u/confused_butt2095

30F unmarried. Family of 4. Mom(59), dad(64) and an elder brother(32) who is unemployed. There is no family inheritance. From the lower middle class. Currently live in a tier1 city in my dad's house.

I work in IT and I'm worried if I am doing okay.

Major expenses coming up:

1. Thinking of buying a house in the same city for personal use as the house we live in rn is too small. This is not urgent, I have just started thinking about it.

Budget: 50L-70L

2. I do plan on getting married in a year or two and I need to allocate funds for that too as I will be paying for it.

Budget: 20L

Post tax income - 1.2 L

Expenses and investment:

Sip - 60k

Personal spends - 10k

Household expenses - 30-40k

Insurance

Term insurance for self - 75L

Corporate medical insurance self - 2L

Corporate medical insurance for parents - 6L

Emergency fund - 4L (debt fund)

Investment

MF - 40L

Ppf - 2L

Epf - 6L

Nps - 2L

PS: This is my first time posting, please be kind.