7th April 2016, 10:04 PM
Let me be very blunt...but I would request you to take 1 week leave and learn personal finance thru books and various sites,,also meet financial planners some like icicidirect give a free checkup
What you need is to do Financial health SCAN..like normal medical health scan...
Currently you are in mess..of all sorts.....
Finance is all about "numbers" and not "adjectives"....
All your wishes/goals should be precise
For e,g :
Wish to buy mid size car..not sufficient ..exact cost (all inclusive), when (month and year) , Down payment you will make(how will it be sourced), Loan(at what interest rate),,,,,so on
Currently it seems any finance marketing executive who has come has sold his product to you....your left hand does not know what the right is doing....
Sorry to be harsh in my views..but hope you wake up and learn before you do the planning....the world is here to take your money for free..only YOU can take of your money....
It's like in a classroom the teacher is same but some students get first class...in same way people getting similar salaries ,,,some become rich by 15-20 years...whereas some of them can never retire at 60 also...all because of "wrong investments"