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Personal Finance | Rules of Thumb Part 1
Money Rules for Your 20s. Built for America, Wrong for India. "No Cost EMI" Really Costs ~14% a Year.
50/30/20, save 20 percent, three to six months of emergency fund, 100 minus age. Rohan follows every rule on the checklist and still falls behind. Run the rules through real Indian rent, inflation and EMI numbers, and see which ones survive.
60%
Rohan's real needs share, vs 50% in the 50/30/20 rule
₹ 3.15L
Nine-month emergency fund on ₹ 35,000 monthly spend
-1%
Real return of a 7% FD at 30% tax and 6% inflation
~14%
Effective rate on a ₹ 40,000 phone's 'no cost' EMI

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