This document summarizes key points from a presentation on personal finance given to engineering societies. It discusses how people are predictably irrational with money due to behavioral biases like anchoring, loss aversion, and herd behavior. It emphasizes starting to save early to benefit from compounding returns. It recommends focusing on cash flow, having emergency funds, and keeping investing simple through low-cost index funds and asset allocation. The presentation aims to educate people on personal finance concepts that are poorly covered but can significantly impact one's life.