From Zero to Financial Freedom: A Simple, Practical Wealth-Building Plan

1. Start by tracking where every rupee goes — awareness creates control.

2. Build a simple budget: Needs, Wants & Savings.

3. Create a ₹10–₹50 daily savings habit — small steps, big results.

4. Build a 3-month emergency fund to stay financially safe.

5. Pay off high-interest debt first — it eats your future wealth.

6. Invest early: Start SIPs in index funds or mutual funds.

7. Automate saving & investing — make it effortless.

8. Build additional income sources: skills, freelancing, small side businesses.

9. Avoid lifestyle inflation — grow wealth, not expenses.

10. Learn basic money principles: compounding, risk, goals.

11. Review your plan monthly — adjust and stay consistent.

Financial freedom is not luck — it’s daily habits.

Start now. Your future self will thank you.