No, that's not a typo. It's a lower limit. The most expensive thing you will ever do is try to save money on your education. Read that again! Every year, hundreds of thousands of India’s brightest engineers, data scientists, and tech professionals make a calculation that feels rational, responsible, and safe. They look at the cost of an MS abroad — ₹80 lakhs, ₹1 crore, ₹1.3 crores — and they flinch. They tell themselves: “I’ll do an Indian college. I’ll get a good job here. I’ll be practical.” And with that single decision, they quietly forfeit ₹20 to ₹42 crores in lifetime wealth. Not because they’re not smart. Because nobody taught them how to do the actual math. The Wrong Question Everyone Is Asking The question most Indian professionals ask is: “How much does it cost?” That is the wrong question. Completely, catastrophically wrong! The right question — the one that separates the globally wealthy from the locally comfortable — is: “What is my 30-year lifetime ROI on this...