As i said im a 22 M content creator and started earning decent amount in past 3 to 4 months, roughly earning around 80k to 120k roughly each month.

In between june to july i am expecting to earn around 100k to 180k. Say 150k for now.

Please do not comment about my Instagram details as i wanna stay anonymous. Have around 250k followers and niche is not fixed, mix of self care, educational, life experience related.

Noticed a pattern last month that i started spending on liabilities(trips, ipad for mother) more which triggered me into focusing on my finances and taking it seriously.

My current investment is only in 100g silver bar which cost me 25277, bought in end june.

My goals with wealth -

Coming from a lower middle class family my goal is to keep strong savings and investments so that any small or big calamity does not shake my entire finance.

10L investment portfolio is my current goal in next few years.

What i currently have -

75k in cash saving sitting separately.

35k cash in which i wanna spend some on myself and for investment.

5.5k cash in my purse for personal use.

12k in online bank i use for UPI transactions.

Where did the extra money went?

As i mentioned that i was earning around a lac from past 3 months, i spent 35k on buying iphone 17 (investment for content making), 20k in trips, 42k ipad gift for my mother on her bday(emotional purchase before apple price hike)

Some other decent prices purchases i did as well.
After watching all my expenses i am thinking to start allocating my money and aggressively investing to reach financial independence as soon as possible.

Please help me in-

1. Allocation of my money for diff purposes like self spending, savings, investments etc.
2. Building a stock portfolio/ teaching me how to master the art of buying stocks or MF
3. Warn me for any mistakes i may do in future regarding money!

As i said im a 22 M content creator and started earning decent amount in past 3 to 4 months, roughly earning around 80k to 120k roughly each month.

In between june to july i am expecting to earn around 100k to 180k. Say 150k for now.

Noticed a pattern last month that i started spending on liabilities(trips, ipad for mother) more which triggered me into focusing on my finances and taking it seriously.

My current investment is only in 100g silver bar which cost me 25277, bought in end june.

My goals with wealth -

Coming from a lower middle class family my goal is to keep strong savings and investments so that any small or big calamity does not shake my entire finance.

10L investment portfolio is my current goal in next few years.

What i currently have -

75k in cash saving sitting separately.

35k cash in which i wanna spend some on myself and for investment.

5.5k cash in my purse for personal use.

12k in online bank i use for UPI transactions.

Where did the extra money went?

As i mentioned that i was earning around a lac from past 3 months, i spent 35k on buying iphone 17(investment for content making), 20k in trips, 42k ipad gift for my mother on her bday(emotional purchase before apple price hike)

Some other decent prices purchases i did as well.

After watching all my expenses i am thinking to start allocating my money and aggressively investing to reach financial independence as soon as possible.

Please help me in-

1. Allocation of my money for diff purposes like self spending, savings, investments etc.

2. Building a stock portfolio/ teaching me how to master the art of buying stocks or MF

3. Warn me for any mistakes i may do in future regarding money!🙏🏻

My mother always wanted and ipad so i thought of saving for it a month ago.

Ipad increased in prices so only limited stocks are available in the store till the stock get emptied.
Getting one for 34990 but i have to take some money from my own savings.

The Catch is that i can earn enough to buy it next month but it will be 50k then. Not worth it.

Should i buy it right now or buy some other brand tablet after couple of months.

I wanted an ipad as well as i create content so it will be easier to edit and all.

Whats a smart decision?

I am considering icici prudential and tata gold and silver etfs.

Whats do yall say?

Want to start stacking for long term investment as a 22 year old.

Where to buy online and offline and what is the good price?