I got my first salary almost 2 years ago in 2019, I had just finally moved out of parents house to Bangalore. One of the first things I did was open a new bank account that I have full control over and then open a demat account so I can finally start investing

I had been reading about finance for a long time but I could never use the learnings because my dad always gave me pocket money in cash and also the gigs/internships or side-hustle money used to go in an account controlled by him so I got cash for that too. (If he had let me, I wanted to invest in BTC back when it was approx $2500)

So once I finally had control over my finances, I broke down my investing into a couple categories as of now.

• 5% liquid fund (for emergencies)
• 10% cash
• 15% index fund (low-risk)
• 15% stock market (medium-risk)
• 10% crypto (high-risk)

A lot of things are missing from here like insurance or savings for bigger expenses + I fortunately don't have any debt on me so this works pretty well for me currently

A few tactics that allows me to follow this rigoursly are automate whatever you can so that you don't forget or have second thoughts every month and think of these investment as tax charged by government. Cry about it but pay it nonetheless ****and spend from what is left after saving rather than saving from what is left after spending.