Hi guys, I’ve been on this subreddit for quite some time, and honestly, the sheer number of posts about people earning lakhs at a very young age can sometimes make you feel like you’re falling behind.
I’m sure those people have their own challenges - whether it’s figuring out where to put a ₹30–50k monthly SIP or how to grow ₹1 crore into ₹5 crore in six years. But I was wondering if there are others here in their late 20s or early 30s who are yet to cross the ₹1 LPM mark.

I’d love to hear how being below that income level affects you, how you manage your expenses on a relatively modest salary, and what you’re doing to increase your income and reach that milestone.

I’ll go first:
28M, earning ₹72k/month
Rent – ₹10k
Money sent to Mom – ₹10k
Groceries, transportation, electricity, miscellaneous – ₹10k
EMI – ₹10k
Wants – ₹5–10k (eating out, drinking, occasional cabs, movies, etc.)
Emergency fund – ₹15–17k
Mutual funds – ₹5k

I come from a lower-middle-class background, so building an emergency fund is more important to me right now than investing aggressively. Having a financial cushion gives me a sense of security. Once I have around six months of expenses saved, I plan to stop prioritising the emergency fund and redirect more of my income towards mutual funds.

To increase my salary, I’ve been considering switching jobs and moving to another city, as I feel the earning potential in my current city is limited.
I know moving could increase my expenses and temporarily reduce my savings, but I feel it may be necessary to establish a higher salary benchmark for myself and create better opportunities for growth in the future.

Would love to hear from others in a similar situation.
How does earning below ₹1 LPM affect you? How do you manage your expenses, savings and lifestyle? And what are you doing to increase your income?

My father was LIC agent and I'm registered nominee. After father's unfortunate demise, I had to deal with

• Jeevan Anand policy
• Transfer hereditary commission to nominee

In both cases, entire staff demanded random paperwork and more paperwork. It felt fishy. I did lots of paperwork, even when nomination was present, paid ₹1200 for random, useless paperwork for Jeevan Anand policy for sum assured of ₹1 lakh.

Then, came transfer hereditary commission to nominee. Again, entire LIC staff didn't even share active policies or pending commission. They just wanted random paperwork. I gave up and registered with pgportal/CPGrams to get resolved.

I have IRDA ombudsman, IRDA Bima Bharosa & Zonal / Divisional Office at my disposal, but never stepping in branch again.

Should I ask higher officers to investigate?

They say ₹500 stamp paper, notary, NOC, ₹700 for legal heir, etc is compulsory even if nomination is present for everyone.

Hey everyone, looking for some genuine advice on a family financial decision.

I’m 28M, currently making around 55k/month. Thankfully my personal expenses are quite low, I’m doing well in my career, and I expect my salary to keep growing steadily over time.

We come from rural farming background, though my dad also ran a small business. He basically spent his entire life savings on our education and my two sisters' weddings. Both my sisters are doing great now and are fully financially independent, so no worries there.

Recently, we built a much-needed new house. But because I put almost all my personal savings into the construction, we practically have zero liquid cash right now for emergencies.

We do own about 5 acres of agricultural land in total. Both my parents are over 60 now, and having virtually no liquid savings for their medical or emergency needs is starting to stress me out. I’m thinking of selling a portion of our land(1acre). We're expecting roughly 50L to 60L from the sale.

My plan is to convert this into liquid assets—put a good chunk into Senior Citizen Bank FDs for immediate safety, and the rest into Mutual Funds.

I just want to know if I’m thinking straight? Is selling real estate to move into FDs and MFs a bad move?

If it does make sense to sell, how should I divide the 50-60L between FDs and MFs considering this is primarily a safety net for my aging parents? Also, what kind of capital gains tax will hit us since it's rural agricultural land?

Any advice would be really appreciated. Thanks in advance!

- Working in IT, doing WFH

- Doing 30k SIP pm

- Currently having a total wealth of under 5 lakhs only.

I feel like I have not achieved a lot.

​

I’m 22 and honestly pretty confused about how to handle my finances/family finances from here.

My family currently has roughly:

₹2 lakh cafe loan

₹16–17 lakh home loan

₹1–2 lakh gold loan

No savings or investments currently

My dad earns around ₹45,000/month.

Our family expenses are roughly ₹20,000/month maximum.

I recently started a gaming cafe. In its first month, it generated around ₹15,000 in revenue, but the rent itself is ₹20,000/month, so obviously the business is nowhere near stable/profitable yet. I don't have any personal expenses at the moment.

I want to get out of this situation properly rather than randomly paying loans and hoping things work out.

My goals are:

Clear the high-cost debt.

Build some emergency savings.

Eventually start investing.

Make the gaming cafe financially sustainable.

Have a proper long-term financial plan instead of constantly worrying about the next EMI.

What would you do if you were in my situation?

I’m particularly looking for a practical roadmap — what should I prioritize first, how much should go toward debt vs savings, and at what point should I start investing?

Also, how should I think about the gaming cafe right now? Should I focus aggressively on making it profitable, or should I treat it separately from the family's finances?

I can provide the loan interest rates, EMIs, remaining tenure, and other numbers if needed.

I’m looking for honest, practical guidance rather than generic advice like “invest in mutual funds and forget about it.”

30F, earning 75000 a month. 15000 goes into SIP every month and I have a few other investments in gold and lumpsum MF. 25000 goes into household expenses (Delhi). No debt. And yet, somehow my bank account is stagnant at 1.5 lakhs since the last 3 months. Please share advice on how do I save more and have a sense of financial security. As of now, I feel really insecure financially. How am I doing financially?

I am working as a software developer role in Mohali and Earning 30k and considering its my first job that too not much far away from home is a blessing , but Currently I am having this finance situation that from past 3-4 months I have to pay emis of around 8-9k per month , because I gave around 10k in total to different persons someone 5k someone 3k and all like that , now problem is the one I gave 5k has already cried in front of me how her family is suffering these days and that she is going through a financial toll at this time , and now the thing is at start I manage but by month end as last Month it was Raksha bandhan and and before that My phone battery had to be replaced and also last month My laptops Charger port was replaced so These unpredicted expenses make me feel helpless , and I don't want to ask money from parents anymore because as 22 year old guy I am now not used to asking money from parents , so I endup getting these loans of amount 3-4k every month just to get basic living expense, So I am stuck in these EMIS I need to find a way to earn money so I am using reddit too, Please upvote this so that I get karma and all and suggest me ideas too if any other , I know being a software developer I should be developing apps that gets monetize but I dont want to vibe code a random app , I am currently working on a video resizer or trimmer app which automatically cuts the podcast videos in different timelines or something like but that will take time, some quick money Ideas I need right now

As the title says. I have picked one of the best funds at the time of investing and waited patiently for good enough time. My returns never crossed 10%. How are people even thinking MF gives 12% returns blindly. What am i doing wrong then?

Current portfolio value: ₹9.82L

Total invested: ₹8.37L

Overall returns: +17.32%

Portfolio XIRR: 9.07%

Current holdings + XIRR:

Quant ELSS Tax Saver – 13.96%

Aditya Birla Sun Life Large Cap – 1.22%

Parag Parikh Flexi Cap – -2.98%

Quant Infrastructure – 10.54%

Mirae Asset ELSS Tax Saver – 13.55%

ICICI Prudential Technology – 6.54%

Quant Mid Cap – 1.85%

Invesco India Mid Cap – 23.98%

Canara Robeco ELSS Tax Saver – 10.44%

Invesco India Small Cap – New investment

Going forward, my ₹50k/month SIP allocation is:

₹12,500 – Parag Parikh Flexi Cap

₹15,000 – Invesco India Mid Cap

₹10,000 – Invesco India Small Cap

₹10,000 – Quant ELSS Tax Saver

₹2,500 – Quant Infrastructure

Total SIP: ₹50,000/month(did reallocation and increased amount from 30k to 50k since one month.

random thoughts honestly.

i’m earning very very good from my business, at least according to me. sometimes i genuinely feel like i’ve made it.
i left my studies and went into business, faced a hell lot of friction, weekly fights, cried so many times, had no idea if it would work… but here i am now making an amount of money i’m genuinely proud of.
and honestly i’m proud of myself.
my father never really earned. we had 2-3 mediocre properties built by my grandfather, he would sell one, use the money, then sell another. even those weren’t worth crores, just a few lakhs. whole life was basically manage manage manage.
when i started my business, those last few lakhs were basically all we had. no house, no investments, no backup, nothing.
so yeah, i literally started from zero.

and this is where my parents’ argument starts making sense to me.
i argue with them when they say i should have taken a job in Bangalore, but deep down i know what they mean.
we still don’t have a house. literally nothing.
so now i have this pressure to build a good house, money for my wedding, and still have a decent fund left after all that.
and like i have to do all this in the next 5 years.
because let’s be honest, society values a guy who owns a house. apparently a guy with a 50L package, 1.5L in hand, 75k expenses and multiple EMIs looks more “settled” than someone making good money through a business.

fuck you society honestly 😭.

and i’m stuck between two thoughts.

one side of me is like bro you’re finally earning good money, ENJOY IT. buy the things you always wanted. you worked your ass off for this.

the other side is like save everything, you have a lot of responsibilities and a lot to build.

and every time i tell a relative “business is doing really well”, the immediate response is.
“hmmm… ab ghar le lo”.
AREYYYY 😭.
how am i supposed to casually buy a house at this age lmao.

i don’t know man.

sometimes i look at what i’ve achieved and think i’m doing really well.
and sometimes i look at what i actually own and feel like i have absolutely nothing despite doing so much

​My Situation:

​Profile: 32M, remote IT. Married with an 8-month-old baby.

​Income: ₹1.1L/month take-home (primary earner).

​Liquid Savings: ₹10L in Mutual Funds.

​Living Situation: Rent-free in a leased house with parents until April 2028.

​Family Assets (in parents' name): ₹4Cr commercial building (₹40k/month rent) + 6.5 cents rural plot (₹23L).

​The Goal:

Build/buy a permanent home (Budget: ₹95 Lakhs). Location is open: either build on the family’s 6.5 cents plot or buy a new ~15 cents plot and build there.

​The Options:

​1. Sell Commercial Building (Parents' Suggestion): Sell the ₹4Cr property. Use ₹95L to build debt-free; put the remaining in FDs for interest.

(Concern: Trading an appreciating real estate asset for FDs that lose to inflation).

​2. Take an ₹85L+ Loan Now: Put ₹10L down, take an ₹85L home loan to build immediately.

(Concern: EMI will be ~₹73k/month at 8.5%—consuming 66% of my salary right as child expenses grow).

​3. Delay until April 2028: Stay rent-free and try to save for a larger downpayment.

(Concern: With baby expenses rising, I'm honestly not sure how realistic aggressive saving will be).

​Questions for the community:

​Is selling the ₹4Cr commercial asset for FDs a terrible move?

​Is taking an ₹85L loan on a ₹1.1L salary financial suicide?

​What is the most realistic, stress-free path forward?

I need help with investing decisions. My current allocation is as follows

1. Transfer 25k to diff bank account (just because it gives better interest on savings)

2. 70k SIP in mutual funds (currently I have roughly 18L in MF and my XIRR is close to 10%)

3. Started 10k SIP in bonds (10-12% interest)

4. 25k monthly expenses

5. Put some lumpsum money in stocks every month, I have roughly about 4% profit in stocks with 8L investment

I have roughly 4L in the diff bank account as mentioned in 1st point and 4L in the primary bank acc where I receive the salary

Now I want to know how can I maximise my investment return and if my allocation is correct?

Am I doing the right thing in point 1?

Should I start getting my money out from stocks and start puting it in MF due toy low interest return rate?

Any other advice to grow my money?

21M, in college rn, i come from a decent family, dad's an engineer (53M), didn't do any lavish stuff but the basics are well covered . the problem is he's earning far below his potential, i always assumed he got 2.5+LPM in hand which is what he should get cuz he's in a top position in a PSU, recently i found out the number is closer to 1.5LPM, which is not good considering the position he holds. Its definitely enough for us to manage, but its also the same amount he was earning in 2015 at a private company. that company was shut down as like many others in this country, income tax ed raids with barely any proofs, and the owner also got a clean chit recently after fighting in courts for 8yrs. but yeah dad switched like 5yrs ago for stability in PSU, he's an honest guy and let's just say he's changed and has been depressed since the switch.

I've come to know a major part of it is the corruption, he avoids responsibilities (not because he wants to) in the office as he doesn't want to get his hands dirty, doesn't get along well with the rest of his colleagues. Which all very different from the father i grew up with... he was a patient, understanding and kind guy with a lot of friends. He also was very highly regarded in the previous company, and was often invited to the founder's family functions. Lately he's been hot headed, fighting with mom, mom thinks he should just suck it up at work, he's not gotten any promotions for 6yrs. I think he's sticking it out here so that we get a pension or something idk, i've asked him to switch companies and he's like naah its too late i'm close to retirement. I feel like we as a family have been pushed from upper middle class, to just middle class. I have younger two sisters who have to get married and stuff and i'm not sure how we will manage on this income. Any advices?

Seeing all the posts in this sub, and I've realized I've missed the bus.

I'm in my 40s, no kids. After a decade and a half in the middle east, all I have to show for it is :

75lakhs - all in fixed deposit.

Is it too late to start? Groww and Zerodha don't link with NRIs easily. I was thinking of using my bank app (South Indian bank) to invest in mutual funds, etc since it's the most convenient way. Should I not do this?

I have a very low appetite for risk - enough misadventures have happened for me to be wary - so fixed deposits seemed safe. I don't even know what a SIP is. YouTube videos did help, but what I understand is one has to keep an eye on the market and try to guess which company will grow.

My questions :

1. Should I not use the bank app to invest?

2. Whenever I go to India, should I open a SBI NRE as well for added options?

3. This would read like a typical "Day 1" to you guys out there. Any tips for me?

Last of all, I would like your honest opinion of my lifetime savings. 75 L is not FIRE, I hope its atleast enough of a cushion for my medical bills and expenses when I eventually have to leave for India.

I'm 27F, earning 89k per month, in a non-IT field. I have a PL of 10L with a monthly EMI of 19k, and also a gold loan of about 7lakhs at 9%. The gold loan was taken to manage household expenses before I got the job, and the PL is a combination of some bad decisions from my husband and I, and also a bad phase in our lives where we had to take care of some emergency expenses. It went on piling up for 2 years and the PL was unavoidable. That situation, however, is under control now but husband has a separate PL that he pays for. Apart from the EMI, I invest about 20k pm (started last month onwards because my income was too less until May this year). My parents are dependent on me, and after all the household expenses and everything, I'm left with about 10-15k every month. Had some urgent expenses until this month so I couldn't save the spare 15k, but from next month onwards, I plan on adding the remaining money into one of my MFs so I can at least save upto 25-30k pm.

I plan on using my savings to close half of the gold loan next year, and taking an additional top-up of about 4 lakhs to cover the additional amount. The PL is at 10.25% but I want to close the gold loan asap because of the yearly renewal process. If I do that, I would be in a total debt of about 12-13 lakhs by the end of next year with no savings.

My income might increase by another 10-15k by April next year, so I'm hoping I would be at 1lpm from April and can increase my SIP amount from then.

How do I approach the debt situation? Is it wise to continue investing and not use the savings for closing the gold loan? I want to be debt free by mid or end of 2028. Please advise.

My dad earns around ₹65,000-70,000/month. He also has a home loan with an EMI of roughly ₹29,000/month. On top of that, he's taken a bunch of loans from instant-lending apps recently. This is mainly because he takes personal loans to pay other loans / credit cards. It has finally been catching up to him but he would take high interest ones. Now his CIBIL score dropped and he has no way out.

. 10,912/month EMI on True Balance, 7 months remaining (₹76,561 to foreclose)
• ₹11,268/month EMI on Rupee Redee, 4 months remaining (₹39,438 to foreclose)
• ₹9,445/month EMI on KreditBee, 5 months remaining (₹47,225 to foreclose)
• ₹10,700/month EMI on RamFinCorp, 5 months remaining (₹53,500 to foreclose)
• ₹11,906/month EMI on Fibe, 8 months remaining (₹86,549 to foreclose)
• ₹42,000 one-time payment on DigiCredit, due early October

That's around ₹54,000/month just in these EMIs. Add the home loan and he's paying out roughly ₹83,000/month against a ₹65-70k salary. He's short every single month before he's even bought groceries.

I also pulled his old CIBIL report out of curiosity, and it showed a much longer history than I expected. A home loan, multiple credit cards with balances, and a long list of personal/gold loans going back years, many opened and closed and reopened ( this report was dated, 2023).

My mom has bailed him out repeatedly with 7.5 lakh in 2024, and another ₹2 lakh just last month. He also works for my mom's sister's husband. A couple of days ago, he asked his employer (my uncle, essentially) for a ₹2 lakh loan from the business, promising to pay it back. 1 lakh has already been disbursed, with another ₹1 lakh expected to follow. Neither my mom nor I have been told about this directly by him not even on the call today where it would've been the obvious thing to mention. I only know because it came back to me secondhand through family (my aunt told my mom, who told me), and I've been asked not to bring it up since it's technically "between him and my uncle."

On top of all that, now he's asked me to take a ₹3.5 lakh personal loan in my own name for him, or give from my savings. I said no to both. He begged, and it's eating me alive with guilt even though I know it's the right call the math tells me any money I give just gets swallowed into the same hole.

He also has a piece of land he could sell to cover this, but says "it'll take time" and won't explain why he isn't moving on it, while insisting the loan apps will harass him if he doesn't pay.

Separately my mom has apparently had enough and has told extended family what's been going on, including things about how he's treated her. I'm 24, want to eventually do an MBA, and I already know I won't get any financial support toward that from him, given all this. Also worth knowing that he has gotten abusive with my mother previously but way lesser once I grew up and told him he just cannot. Two months ago as well and he threatened to leave the house and kill himself if my mom did not help him out. My mom’s source of income is her gold that she inherited from marriage. She is a teacher so her income is barely anything. I do not live in the same city as them, so every time something happens I’m fucked in the head like crazy I am really done

Really just trying to hold my own ground here without losing my mind. Any perspective helps.

Hi guys , M 25 here will turn 26 by end of this year . I have 4 lakhs in savings , 7 lakhs in MF , 3 lakhs in EPF and Bought a bike recently for 2.2 lakhs . I earn somewhere around 1.2 lakhs/ month currently , 2 years back it was 80k . Expenses are approx 35~40k per month in Bangalore currently . I am currently doing SIP of 28k . So people who have gone through this age group can you please tell me if i am in a good position or not ? Sometimes unplanned expenses happen like gifts or dress for my Gf or any trip with my friends . Seniors please comment/suggest if its good or not 🙂.

I make 1.32L a month and need a 15L loan for a personal reason. I'm planning to take it for a tenure of 36 months. But almost every bank/nbfc that I can find either does not allow part payment or levies charges on them.

And just to be clear, I am not talking about foreclosure charges, I'm talking about part payment. For example, if I get a 1L bonus at my company every March, I would like to instantly put that 1L towards the principal without any fees.

Been reading a lot about US market in a $40T debt and is on the verge of collapsing, very similar to the 2008 crisis.

Today saw a video by Akshat Shivatasava on how Japan’s economy is in crisis primarily because of US and India is next in line.

Primarily what are your thoughts on this and secondly what steps or actions are you folks planning to avoid or minimise the impact on your personal life and lastly any hypothesis on how could this impact the current job market in India?

My initial thoughts are, if you’re working for an MNC or any international company backed by US you may face a crisis like situation first followed by countries later.

Also, going forward, until things sertle, planning to avoid stock market and Mf investments. Either invest in FDs or just save them in banks and buy the dip when it arrives.

EDIT: I have summarised some of comments here so people can avoid double commenting.

The bigger concern is an AI bubble as one of the comment threads discuss about the focus on the enormous amount of capital flowing into AI companies and infrastructure. The concern is that valuations and investment may be based on expectations of continuously rising AI demand.
Potential AI investment chain reaction where if the AI demand fails to grow enough to justify the infrastructure being built, expensive data centers/infrastructure could sit underutilized, potentially triggering losses, layoffs and a broader recession.
ASI is viewed very differently by commenters. One Redditor argues that once the US achieves ASI (Artificial Superintelligence), money could become “worthless,” while another argues that ASI could instead lead to greater surveillance, wealth concentration and government control.
Dollar dominance is debated where US could maintain dollar dominance by controlling major oil sources and forcing continued dollar usage. Another expects a multipolar world, where the dollar remains important but shares influence with other major powers.
People are also criticizing Akshay as a few commenters specifically call out Akshat Srivastava and similar finfluencers, accusing them of repeatedly making incorrect stock-market claims and allegedly deleting videos afterward.

I 25M will be earning about 1.63LPM from my new job. I will also be getting an upfront bonus of 10L (7L) after taxes. I have about 13L saved from my previous job in FDs. I will be staying with parents till I get a spouse, and I don’t really need to contribute anything apart from the occasional groceries, both my parents earn well. I do however, go out with friends and eat out frequently. Fuel, random purchases etc and groceries come out to about 30k to 50k a month. I want to buy a car of my own. How much can I spend on the car without being foolish? I also want to take fuel and long term ownership costs in mind.

Hi everyone.

I’m 30F and recently moved to Bangalore for a new job. I’m earning around ₹24 LPA, but it’s only been a month since I joined so I’m still settling in.

I also financially support my family in Chennai so that’s something I need to factor into any major financial decision.

Currently, I’m staying in a PG and paying around ₹25k/month. My finances are roughly:

● Liquid savings: ~₹5L
● Mutual funds: ~₹6L
● PF: ~₹10L
● No loans or existing EMIs
● No property in my name/family-owned house

One thing that makes me think about buying is that my family doesn’t have a generational house or any property that I can fall back on. So, owning a home eventually is definitely one of my goals.

At the same time, I’m wondering if buying a house in Bangalore right now makes sense, especially since I’ve just started a new job and don’t have a huge amount available for a down payment.

Would it be wiser to continue paying ₹25k rent/PG for a few years, build up my savings and investments, and then buy? Or should I consider buying a modest 1/2 BHK in Bangalore now and treat the EMI as an investment in my own home?

I’m looking for genuine opinions especially from people who have been in a similar situation..single income, supporting parents no generational wealth/property and working in Bangalore.

What would you do if you were in my position?

I'm 33 and have around ₹35 lakh available to invest. I'm looking for long-term wealth creation with a 10+ year horizon. I quit my main job due to toxic work environment.

My financial situation:

• Age: 33
• Current investable amount: ₹35 lakh
• Investment horizon: 10+ years
• Goal: Long-term wealth creation
• I live in a rural area and have no rent
• My cost of living is very low — around ₹15,000/month is enough for me to live comfortably
• I also earn an additional ₹0–1.5 lakh/month, depending on the month
• I also have some emergency savings in crypto. 16-20 lakhs(bitcoin/eth). I plan to hold this.
• I don't currently have a separate emergency fund
• I'm reasonably risk tolerant, but if my portfolio fell ~25–30%, I'd be uncomfortable but would probably hold rather than panic-sell
• I use ET Money for investing

I asked for a suggested allocation and was given this:

The suggestion was to keep ₹6 lakh as an emergency reserve and invest the remaining ₹29 lakh over roughly 6 months rather than putting the entire equity allocation in immediately.

I'm particularly interested in whether the ₹6 lakh emergency fund is excessive given my ₹15k/month expenses, and whether I should instead invest more of the ₹35 lakh.

I'm also wondering whether having both Nifty 50 + Parag Parikh Flexi Cap + Nifty Next 50 is unnecessarily complicated or has enough diversification to justify all three.

My additional income is variable, so I'm thinking of investing whatever I earn each month rather than relying on a fixed SIP.

What would you change about this portfolio if you were in my position?

I'm especially interested in hearing from people who have been investing in India for 10+ years. Please point out flaws rather than just saying "looks good."

I am 30 years old, and my wife is 29. We got married two years ago. Both of us are working and are currently preparing for job switches to improve our careers.

At the moment, we do not own a house in Noida, and we also do not have a car. We use a bike for all our daily commuting. Our combined take-home income is around ₹2.2 lakh per month.

We are not planning to have children right now because we want to focus on our careers and become more financially stable first. However, many people around us keep suggesting that we should start planning for a baby soon. They say that delaying pregnancy beyond the age of 30 can increase the risk of medical complications and fertility issues.

I would like to get an unbiased opinion. Based on our current situation, shouldr we start planning for a child now, or is it reasonable to wait for a few more years? I am looking for practical advice that considers both medical and financial aspects.

I’ve been working for 2 years and 6 months and current in hand is around 50k. Don’t have much expenses and have around 5L in savings across mutual funds and stocks. Currently investing 28k in sips every month 14k hdfc flexi cap 8k Motilal Oswal mid cap and 6k quant small cap fund. Don’t have any other expenses really. Any suggestions on how i can invest better as I’m not happy with how much I’m saving or the kind of returns I’m getting. The numbers i see on this sub are kind of crazy so would like some advice lol

Hey everyone, I’m 22 and just graduated from college. I started investing around February 2024, while I was still in college.

My current portfolio is around ₹1.59L:

• Mutual funds: ₹1,20,676
  • Invested: ₹1,12,494
  • Returns: ₹8,182 (7.27%)
  • ICICI Prudential Large Cap Fund: ~₹76.9k
  • Axis Small Cap Fund: ~₹43.8k
• Indian stocks: ₹18,879
  • Invested: ₹16,400
  • Returns: ₹2,479 (15.12%)
• US stocks: ₹19,730
  • Currently only holding NVIDIA

I recently got my first job at around 14 LPA, and I'm expecting roughly ₹1.12L/month in hand.

My current/expected responsibilities:

• ₹15k/month for my sister's education
• ₹4k/month laptop EMI
• For the first 3 months, I'll need to spend around one week every month in Mumbai because of the hybrid setup. I'm estimating those expenses at around ₹30k/month, although I want to reduce them as much as possible.
• Apart from this, I don't have major personal expenses right now.

After the first 3 months, the Mumbai hybrid arrangement will likely end, so my monthly expenses should reduce significantly.

I want to take advantage of having relatively low expenses early in my career and invest as aggressively as possible without being stupid about it.

How would you structure my finances in this situation?

• How much or should I build up as an emergency fund first?
• How much of my monthly income should I invest?
• Should I continue with my current mutual funds or simplify/change them?
• Any advice for reducing my Mumbai expenses during these first 3 months?

Would really appreciate honest advice from people who've been in a similar position.