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@berserk Okk..that is also one good way of looking at it

Have recently started my first job with 9.5 l.p.a and planning to get a bike worth 3.5 lacs after monsoons next year. Ideally how much liquid / emergency fund should i have with me before buying and how can i save for the down payment of the bike ?? (1 lac dp - 9k emi) Monthly expenses expected...