Man to man baat kar pehle . Simple hai kuch nahi bigda jitna business profit hua past yrs - Ghar ka kharcha. ( Tere papa ka Tera Teri mummy ka electricity grocery etc ) - reinvested profits- dad yearly wage . ab bache profit main se apni salary le le avg income pakad ke for hours you work weekly + interest laga le ispe compounded for past yrs . Bhai ke itr filing ka ka bill bana for each yr sum total karde then aadha ya one third kar de ye bolke ki bhai hai tabhi aadha ya 1/3 bill kar Raha hoon . Ab jitna lumpsum aa raha usko apne account main shift kar thik . Aur agar na mile to business chhod naukri kar. Aur jitna amount aaye usko invest ya fd kar ya ppf Jo karna hai kar le. Upsc ka chakkar chhod agar nahi nikle to