If your salary is ₹ 1 lakh (100k) pm, how would you spend it?

70k goes to home loan. Rest rent and utilities. Net zero PS: I earn more than that

I’ve WFH. So whatever I make I don’t spend it much(I mean samajh nhi aata kaha spend karu 🥲). I mean ghar pe hi sab mil jaata hai. And, I don’t drink, smoke and don’t have any kind of habits.

I asked my parents fewer times to take my ATM and bank details to do whatever they want to. But they say, no we don’t need it keep it with yourself 😅.

Because of this only the amount became huge so my cousin said put in MF or PPF or invest somewhere 😅. So I did that recently few months back

My current salary is just 30k, but I think this exercise will motivate me to make a job change and get better package.

30k for family, I want my father to retire and heq does not have retirement plan so I will need to be the man of house

10k for emergency funds such as medical, I don't know if this is enough or not, cause we were lucky and never had any medical emergency, I hope it stays same

20k for investment funds, I will mostly go for index funds and blue collar stocks

30k personal and living expenses, I don't have much expenses, I will just need to spend on rent and food. Also I might go out once or twice in a month to nearby places, I guess this is enough for that

20k saving for a specific goal(like buying house or another investment), I don't want to go into debt until I am comfortable with it. So I am not buying a house, but I will definitely want to save money for that goal. Also I don't believe buying house in a metro city is a sane idea looking at the costs. I might buy it in my home city which is much more peaceful and affordable

50k investments
10k for fun
Rent : 0 as I work remotely

12.5k rent, 6.5k maid/cook/grocery/utilities, 15k savings, 45k investment, 20k shopping/eating out/travel