*💸 10 Powerful Money Habits to Build in Your 20s & 30s* 1. *Track Every Rupee*: Know where your money goes. Awareness = control. 2. *Save Before You Spend*: Pay yourself first. Automate savings. 3. *Emergency Fund First*: Build 3-6 months of expenses. Life's unpredictable. 4. *Budget Like a Pro*: Use the 50-30-20 rule (Needs-Wants-Savings). Simple & effective. 5. *Avoid Debt Traps*: Credit cards = tool, not temptation. Don't buy what you can't pay off. 6. *Invest Early*: Start SIPs, PPF, or index funds. Time is your biggest asset. 7. *Learn Financial Literacy*: Read one finance book or watch 1 video/week. Grow smarter. 8. *Live Below Your Means*: Impress no one. Build wealth quietly. 9. *Increase Income Sources*: Freelance, upskill, start small. One income is risky. 10. *Set Clear Financial Goals*: Define: "Why are you earning?" Money without a goal = waste. *React ❤️ if you're building wealth one smart step at a time!*