New Delhi, April 23 -- Picture this: It's the final overs of a nail-biting IPL match. Team B needs 60 runs from 36 balls. The math is simple-10 runs per over. The strategy is crystal clear: Batsmen know when to swing big, when to rotate the strike, and when to hold their nerve. Every decision is driven by one number: the required run rate.

same players, same chase-but this time, no one tells them the target. Just go out and bat.

Sounds absurd, right?

And yet, that's exactly how most people approach their financial goals. We invest, save, and take risks-all without knowing our own required rate of return (RRR)-the personal target that should guide every financial move we make.

Also read: Why smart investors still make bad decisions

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