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@haston So my expense should be the same as my salary increases. Gotcha, thanks

I’m 23(M), graduated in Jun 2022 with an average package of (7.5lpa) Current take home - 60k in hand, no taxes(old regime) Mf - 1 lakh currently(40k elss) sip for 15k pm Fds - 35k P2P lending platforms - 1.25 lacs(not putting more than that)(12% returns) Money lent to roommate - 80k(he has...