Despite getting the short straw, Manisha, a single mother, has accomplished quite a few life goals. The 45-year-old owns a home, for which she pays a Rs 23,000 EMI, as well as a Rs 28 lakh war chest for her 13-year-old son's education and wedding expenses. But what she doesn't have is the money to fend for herself during her retirement years. She currently has just Rs 10 lakh as provident fund money, which is grossly insufficient. So, a cognisant Manisha reached out to us with two queries: