u/GodDoes69

I recently turned 25 and I’m looking for some advice on how I should manage my finances and build long-term wealth.

My current situation:

Full-time job at ABC: ₹1.2L/month

Freelance opportunity: ₹1,200/hour

Freelancing requires around 8 hours/day, 20 days/month

If everything goes as planned, freelancing could bring in roughly ₹1.9L/month

Total potential monthly income: ₹3L

However, I don't want to assume that the freelance income is permanent. It could end at any point, so I want to plan my finances around the possibility of losing that income.

My rough plan

I'm expecting my monthly expenses to be around ₹1L, including a significant amount that I send to my parents, along with rent, food, transportation, etc.

That leaves approximately ₹2L/month.

My initial thought was:

₹1L/month → Emergency fund until I have a comfortable safety net

₹25K/month → Gold

₹75K/month → ???

This is where I'm looking for advice.

I'm serious about building my financial portfolio now rather than increasing my lifestyle just because my income has increased. I'm particularly interested in what I should do with that remaining ₹75K every month.

Should I consider things like:

* Index funds / mutual funds

* Direct equity

* More allocation toward an emergency fund initially

* PPF / NPS

* FD/debt instruments

* Gold beyond ₹25K

* Saving toward a specific long-term goal

* Or something else entirely?

Also, how would you structure this considering that a large portion of my income comes from freelancing and could disappear suddenly?

For example, would it make more sense to build a much larger emergency fund first and only then start investing aggressively?

I'm not looking for a get-rich-quick strategy. I'd like to hear from people who have been in a similar position and can share what worked (or didn't work) for them.

Any practical advice on how you would allocate this ₹2L surplus each month would be appreciated.

honestly idk what is going in my life rn.

Dad has a sever lower spinal bulge, every doctors we checked with, second and third opinion has assured that its severe and operation is the only and that after Surgery, his left leg might not work. This is so painful.

My mom and dad do not have a health insurance. I blame myself for not getting them one. They usually used to smooth talk out of it whenever i bring this issue. The insurance that my company provided is individual only, no mom and dad included. Can include wife and children after marriage. I earn 60K pm, and send 45k to home since they need it. Not a rich family you know. the remaining is enough for me for my rent and expenses.

the cost of the surgery is 3.75L. we were short of 2L, but my irresponsible elder brother gambled it away. I cant start about him, its never ending.

its 5 in the morning. I havent slept, infact i cant sleep. Thinking about all of this.

Here I am asking strangers to help me raise money, as non of the family members are ready to do so. Time reveals true faces ig. I couldnt get back loans or money lending app loans as I have a settlement done in my college days for Slice. i didnt know how credits work.

I am really sorry that I am asking this to your guys, I really am. But I dont have any other options that comes to mind.

I have created a Milaap page to raise the money, to make it easier for beautiful souls who would want to help and contribute.

I know that this might scream scam to few people. I understand why it would. But I can honestly give you every proof you name it. Even if you want me and my father on call(even if it breaks him), the documents, reports, everything.

I dont mind even paying back if one wants it. But honestly Idk when I start considering there will be time and money invested in his recovery. But I will. I have this much self respect atleast. 

Hi All!

so the context is, my gf( who i have been in a live in relationship from past 5 years) is moving to Singapore. She is a PR holder. All these years she has been asking me to think about moving to Singapore. Initially i didnt wanted to, as my parents are here in India. But they dont stay with us, they are in village. Now i have decided to move to Singapore, i have been applying for jobs from past two to three months, no luck yet.

I want to know if someone can help me here. That would mean a lot really. Im currently a senior ML Engineer in Bangalore. im looking for jobs around AI/ML. Im not looking for a great salary, i okay with a good salary where i can manage myself and send atleast 1L+ to my mom and dad monthly.

Please help a brother out.

I know this can come off bold or something straight out of stupidity to people reading this, however a man can only try right?

so here is the thing, im staying near nagasandra, and it has been my dream to open up a snooker cafe in the locality now that christ university has come up. i have searched for a perfect place where all the teens of the college end up and roam, opening the cafe there would be profitable i know gat in my gut. However, the capital investment is my biggest challenge, if my parents wanted to, they can fund me but they said they wont despite multiple approach.

What I am looking for is a person (25-40 years old as they can relate to my understanding. Elderly individual can also be part) who can invest 15L for the entire cafe, in which he owns 7.5L (50% ownership) and the rest will be a loan given to me, which i will end up paying back to him.

There is so much more that falls hidden in this conversation but can only do that to the person interested.
Thank you and no hate please, im trying my best.