Welcome to my 4th Podcast on Mission 2021. As a step towards to coping up with Job loss or financial crisis, the last 2 days I was speaking of how to be frugal and be a winner. One cannot be a winner if one does not analyse the financial position pragmatically and spend on the basis of need only. Nobody is sure when the economy is going to look up. We not only need to manage our finances well for paying off the bills in time but also ensuring that we keep our chin up during this really difficult times.