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Establish solid basic habits to capture surplus cash flow, save taxes, and avoid debt traps.
Complete steps below to proceed.
Understand the difference between CTC and in-hand salary by deducting PF and professional taxes.
Split your net monthly salary: 50% for needs, 30% for wants, and 20% for future savings.
Ensure you have 3 to 6 months of survival expenses safe in liquid cash/deposits.
Compare tax rates and max out deductions like Section 80C or CPF allocations early.