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Money Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
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Editor’s Pick
  • 436 Pages

Money Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom

Zebra Learn

This easy‐to‐follow PDF guide shows young adults how to take charge of money: make a simple budget, read your personal finances, choose the right investments, and protect yourself with insurance. Built for Indians in their 20s & 30s—no jargon, just clear steps to grow and secure your wealth.

(7 customer reviews)
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 In your 20s and 30s, every rupee counts—yet most of us never learn the basics of budgeting, investing, or protecting our income. Money Smart in Your 20s & 30s fills that gap with a step-by-step guide designed for young Indians. You’ll start by profiling your spending habits and mapping them on the Lazy Financial Canvas, so you instantly see where money enters and exits your pocket. Next, build your Personal Financial Statements (balance sheet & income statement) to know your true net worth. The powerful RRTTLLU Model helps you match returns, goals, risk tolerance, time horizon, tax planning, liquidity needs, legal rules & unique life factors—so you pick the right mix of mutual funds, stocks, real estate, gold or government schemes. Safeguard your progress by understanding Risk & Insurance: learn exactly how much health, life, accident or property cover you need without overspending. When life throws curveballs, the Reality Influences chapter shows you quick fixes: emergency fund tips, budget tweaks & insurance claims made simple. No dense theory, no financial-guru fluff—just real examples, handy charts and clear checklists to grow, protect and enjoy your money. If you’re ready to stop worrying about bills, make smart investments and build a secure future, download your PDF now and start your financial freedom journey!
Attribute Detail
Language English
Format PDF
Pages 436 pages
Author Zebra Learn
Publisher ZebraLearn Pvt Ltd
Publication January 1, 2021
   

Table of Contents

Chapter Title
1 Profiling: Know Your Money Habits
2 Lazy Financial Canvas: A Quick View of Your Cash Flow
3 Personal Financial Statements: Balance Sheet & Income Statement
4 RRTTLLU Model: Return, Goals, Risk, Time, Tax, Liquidity, Needs, Legal & Unique
5 Risk & Insurance
5.1 • Health Insurance
5.2 • Life Insurance
5.3 • Accident Cover
5.4 • Property & General Insurance
6 Reality Influences: How Life Events Change Your Plan
7 Conclusion & Next Steps

FAQ's

How do I figure out where my money goes each month?
Chapter 2’s Lazy Financial Canvas gives you a one-page chart to track income and expenses at a glance—no complex spreadsheets needed.
What’s the difference between my balance sheet and income statement?
In Chapter 3 you’ll learn how to list assets vs. liabilities in your Personal Financial Statements, and why both matter for true money health.
How much life or health insurance do I really need?
Chapter 5 breaks down Risk & Insurance, showing simple rules to pick the right cover amounts for your needs and budget.
Where should I start investing with ₹1,000?
The RRTTLLU Model in Chapter 4 guides you on choosing low-cost mutual funds and SIPs that match your goals, risk level, and time horizon.
What if unexpected expenses hit—how do I stay on track?
Chapter 6’s Reality Influences section teaches quick fixes—like topping up your emergency fund and revisiting your budget—to keep you afloat.
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4.7
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  1. VR
    Vikram Rao
    Reviewer
    Money Smart in Your 20s & 30s: Your Practical Guide to Financial FreedomMoney Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
    Worth Reading :

    Made financial planning less confusing for me.

    (1) (0)
  2. DP
    Divya Patel
    Reviewer
    Money Smart in Your 20s & 30s: Your Practical Guide to Financial FreedomMoney Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
    Worth Reading :

    Useful for making smart money choices.

    (1) (0)
  3. PS
    Priya Singh
    Reviewer
    Money Smart in Your 20s & 30s: Your Practical Guide to Financial FreedomMoney Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
    Worth Reading :

    Realistic steps to control spending.

    (0) (0)
  4. KM
    Karan Mehta
    Reviewer
    Money Smart in Your 20s & 30s: Your Practical Guide to Financial FreedomMoney Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
    Worth Reading :

    Helped me think differently about money.

    (0) (0)
  5. SV
    Sonal Verma
    Reviewer
    Money Smart in Your 20s & 30s: Your Practical Guide to Financial FreedomMoney Smart in Your 20s & 30s: Your Practical Guide to Financial Freedom
    Worth Reading :

    Easy to understand and apply advice.

    (0) (0)

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