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Finance

4 min read•2026-05-30

1. 6-month emergency fund — liquid mutual fund

2. Term insurance (₹1Cr cover for ₹600/month if age <30)

3. Health insurance (₹5L family floater, not corporate-only)

4. SIP into Nifty50 index — ₹5K/month minimum

5. No personal loan for lifestyle (vacations, gadgets)

6. One credit card, paid in full monthly

7. NPS — extra ₹50K under 80CCD(1B) tax deduction

Do these before you hit 30 and you're set for life.