Last week, Mint completed a full year of the weekly personal finance show Smart Money on Bloomberg TV India, which I co-anchor with Vivek Law. Viewers of the show and readers of this column will be familiar by now with the concept of a money box—or the box that contains your financial life and tells the story of your financial health. We’ve worked to establish that each product in the box has a role and must justify its place in the money box. We’ve tried to create boxes that reduce risks and increase long-term wealth creation. It is time now to take a step back and look at the money box in the context of the life cycle of a person’s money life. Veteran readers of this column may remember me writing about the Dhan Chakra concept five years ago, but I think it’s worth revisiting it now and linking the circle of wealth to the life cycle of a money box.