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- Start with budgeting to track your income, expenses, and savings rate.
- Identify your key financial goal to be achieved
- Segregate your goals based on the time horizon – short-term (up to 3 years), medium-term (3–5 years), and long-term (above 5-6 years).
- Invest in products according to your goals and time horizon.
- Build an emergency fund (3–6 months of income).
- Buy adequate health and term insurance to protect your family from financial burden in case of unforeseen events.
- Review and rebalance your plan periodically as needed.
