00:00 Introduction
01:17 How the safety of Government jobs affect employees growth?
02:30 Reluctance in investing
03:40 Pay slip loans
04:34 Withdrawing from PF
06:14 Utilizing retirement fund
07:20 EMI after retirement
08:20 Conclusion

Government employees especially those in entry level jobs,despite having a safe and steady source of income struggle with their finances. In this video, Mr.Nikhil explains the habits that prevents Government employees from getting rich.

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