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@daregreatly17 Great. Post that, close those credit cards as they increase expenses, others around you will still have credit cards for those one time discounts on amazon / flipkart.

@daregreatly17 I understand that unforeseen expense is coming. You can ask your credit card company for loan on credit card for immediate requirement. But I am talking about the longer term. Start financial planning. Take term insurance, health insurance and create an emergency fund of 3-6...

@eluid Everything depends on asset allocation.

@daregreatly17 Why do you want to take loan? I would suggest you to Close down the credit cards

@fumbling_foo Read books by Monica Halan. Or the old articles of jagoinvestor.com

@mclachlan That's all the more reason to try to get a policy. Corporate policy for parents still make sense, as one may not get a policy, but you should definitely get a separate policy for self spouse and kids.

@mclachlan Just get your own policy.

@judee I will also suggest you to pay for the period of the insurance. If you want to do the term insurance till 60, pay till 60. If something happened earlier, you would have paid lesser.

@cleansoul feeonlyindia.com : get a financial planner. I will recommend Melvin or Chandan Singh Padiyar.