Financial Planning for Young Couples: The Simple Guide to a Stress-Free Future
Starting early makes money management easier for every couple. Begin with a shared discussion about income, expenses and long-term goals. Keep your monthly budget simple—follow the 50-30-20 rule so that at least 20% goes into savings or investments.
Build a small emergency fund equal to 3–6 months of expenses. Keep it in a high-interest savings account or liquid fund for quick access. Start investing early, even with small SIPs in index funds or PPF for long-term stability.
Protect each other with health insurance and term insurance. These two policies prevent major financial shocks and help you stay stress-free.
Avoid unnecessary debt. Use credit cards wisely and take loans only for real needs, not lifestyle purchases. Review your money plan once a month so both partners stay aligned and confident about the future.
A simple plan followed consistently is all it takes to build a strong financial foundation together.
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