Home › Seven stages › First job
First job
Get the foundations right while nobody depends on you.
This is the highest-leverage stage in the whole series. You have income, few obligations, and decades of compounding ahead. Almost every serious money mistake people spend their forties correcting was made — or avoided — right here.
8 of 8 sessions published
Why is my take-home so much less than my CTC?
Your salary slip decoded line by line, and the reassuring truth about where the missing money goes.
02Old regime or new regime: which should I pick?
The one decision that changes your tax bill, and why 80C is not a strategy.
03How much emergency fund, and where do I keep it?
Why this comes before your first investment, and why you size it on expenses, not salary.
04Health insurance before life insurance — why that order?
The cover you actually need at twenty-five, and the clauses that decide whether a claim is paid.
05What is a mutual fund, really?
What you actually own when you buy one, and the quiet fee that costs lakhs.
06Credit score: the discipline, not the rewards
How a score is built, what one percent costs on a home loan, and the trap on your card statement.
07Where did my raise go?
Lifestyle inflation in rupees, and what saving half of every raise is worth.
08Rent, EMI, or stay at home?
The honest arithmetic on the biggest fixed cost you will take on.