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First job
Build strong money habits while your responsibilities are still limited.
This is one of the best stages to build good money habits. You have started earning, your responsibilities may still be limited, and your money has many years to grow. Small decisions made now can save you from large problems later.
8 of 8 lessons 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.
04Why health insurance should come first — why that order?
The cover you actually need at 25, 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 small fee that costs lakhs.
06Credit score: what improves it and what damages it
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 a full cost calculation on the biggest fixed cost you will take on.