What To Do With Your First Salary?
Just started earning? Your first paycheck can be exciting — and overwhelming. In this episode, we break down what really happens to your salary, how to build smart financial habits early, and why the decisions you make now can shape your financial future.

Whether you're in your first job or just beginning to manage your money, this episode is your starting point for long-term financial confidence.

Why is my in-hand salary so much less than my CTC?




Understand the difference between CTC and take-home pay
Breakdown of EPF, TDS, professional tax, and other deductions
Learn how to read and interpret your payslip


How much of my salary should I save or invest each month?




The 50/30/20 rule explained with practical examples
Realistic alternatives based on your lifestyle and goals
Building a habit of consistent saving and investing


Should I keep my money in a savings account or start investing?




When to use savings accounts, FDs, or start SIPs
How to begin investing with small amounts
Why time matters more than the amount when it comes to investing


How do I know the difference between good spending and wasting money?




Understanding needs vs. wants
Using simple tools to track spending and cut unnecessary expenses
How to spend without guilt — but with intention


What’s the best way to build a good credit score early?




Smart use of credit cards to build credit, not debt
Dos and don’ts for loans and repayments
Habits that help maintain a strong credit profile


What does financial freedom really mean, and how do I work toward it in my 20s?




It’s about choices — not just money
Setting real goals: travel, home, business, or early retirement
Laying the foundation now for a future you’ll thank yourself for

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