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Where do I start as a 20 year old?
I’m new here and looking for advice on personal finance management. A bit about me: I’m a final-year BTech student and recently started earning a stipend of ₹30,000/month from my internship. I’ll also be joining as an ML developer next year with a package of ₹22 LPA. Since I have started earning I want to learn about managing my finances. I don’t know much about saving, spending, or investing. I also don’t understand how things like credit cards, mutual funds, or stocks work. I want to learn how to manage money properly—like where to invest, how to save, or how to grow my income over time. I’ve tried looking at YouTube channels and Instagram pages, but it’s overwhelming. I am looking for any advices, recommendations on where to get started for beginners.2
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