Whether you're a developer or a designer, financial literacy compounds. Here's a 4-week starter plan.
First salary aane ke baad financial literacy ki cost dikhti hai — galat insurance, no tax planning, no investing. Foundation undergrad mein ban jaaye to compounding head-start mil jaata hai.
Week 1: Budgeting basics — 50/30/20 rule, emergency fund, aur expense tracking app set up karna.
Week 2: Tax basics — old vs new regime, 80C, HRA, aur why salaried freshers usually new regime choose karte hain.
Week 3: Investing — index funds, SIP, asset allocation. Stocks pehle saal mein skip karein.
Week 4: Insurance — term life, health, aur kya NOT khareedna hai (ULIP, endowment).