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REDDIT

Earning well at 26 but still not managing money properly - where do I start?

K
Mar 17, 2026 · 05:24

I’m 26 and earning around ₹1.7L/month, but I haven’t really built any solid savings or investments yet. Most of my income goes into regular expenses and a bit of travel, so nothing much is left at the end.

Now I feel like I should get more serious about my finances.
Not sure if I should start SIPs directly or first build an emergency fund.

How would you approach this if you were in my place?