I just got my first job at ₹28,000/month. How do I manage it smartly?
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Divide into: ₹14,000 (needs), ₹8,000 (savings/investments), ₹6,000 (wants). Start a ₹2,000–₹3,000 SIP in index funds. Get a health policy if your employer doesn’t cover it. Learn tax basics early. Avoid credit cards until you understand repayment cycles.
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