💡 Mindset & Habits Pay yourself first – Save before you spend. Live below your means – Spend less than you earn. Delay gratification – Sacrifice now to enjoy later. Track every rupee – Know where your money goes. Automate savings and investments – Make it effortless. Avoid lifestyle inflation – Don’t upgrade every time your income increases. Set SMART financial goals – Specific, Measurable, Achievable, Relevant, Time-bound. Budget monthly – And review weekly. Avoid emotional spending – Shop with intention, not emotion. Stay financially literate – Read books, follow finance pages, take courses. 💰 Saving & Emergency Funds Build a 3-6 month emergency fund – Life is unpredictable. Keep separate accounts for savings and expenses. Use high-interest savings accounts – Let money work even while idle. Don’t save what’s left after spending—spend what’s left after saving. Cut subscriptions you don’t use. 💼 Income Grow...