Your 20s: Build the habit, not just the balance

Your twenties are all about firsts-your first job, your first paycheque, and a first taste of financial independence. And it is the perfect time to start building smart money habits. Set a monthly budget and track where your money is going. Create an emergency fund of at least three months of your salary to handle surprises without panic. Start investing early through SIPs or mutual funds; the amount can be as small as it gets, but the power of compounding will do its magic over the years.

Your 30s: Balancing family, goals, and growth

Greater responsibilities bring greater financial commitments. During this decade, most people get married, have children, or buy their first home. Reinforce your financial planning by enhancing your insurance

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