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  In this personal finance blog, we explored practical strategies for optimizing a monthly income of 1,00,000 INR. The blog delves into the 50/30/20 rule, advocating the allocation of 50% for needs, 30% for wants, and 20% for savings and debt repayment. The blog emphasizes the importance of creating a budget, building an emergency fund, contributing to retirement savings, and addressing debt obligations. The investment section suggests diversified options like mutual funds, fixed deposits, and stocks, enabling readers to tailor their approach based on financial goals and risk tolerance. By following these guidelines, individuals can not only meet their basic needs and enjoy discretionary spending but also allocate a significant portion towards building financial security and wealth over time. For a detailed understanding, be sure to explore the full blog post. Your financial journey begins with informed choices, and this blog aims to empower you on that path. TOTAL MONTHLY INCO