u/Expert-Use-3024

26F here. I worked from 2021–2023 with a salary of 5 LPA, then had a career gap, and resumed working in Nov 2025 with a package of 7.8 LPA.

I now want to properly organize my finances and build a stable long-term plan.

I’m looking for guidance on:

How much emergency fund should I maintain?

Where should I keep the emergency fund (savings account, FD, liquid fund, etc.)?

How much liquid cash/funds should ideally be available at all times?

What insurances are essential at this stage (health, term insurance, others)?

What investment options/assets should I start considering for long-term wealth creation?

Any suggestions for someone restarting financially after a career gap?