Before you invest, you must insure. Build a safety net that lets you sleep peacefully at night.
Rent, Food, Utilities, EMIs, Insurance.
You need $13,000 more to be fully secure.
Financial experts recommend keeping 3 to 6 months of essential living expenses in a liquid fund.
Do not chase returns here. Liquidity is king. Keep it in a High Yield Savings Account or a Sweep-in FD where you can access it instantly.