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ET Wealth’s slideshow for first-jobbers stresses: start with a flexible budget that covers essentials and a small emergency fund; make health insurance non-negotiable and buy life cover only if you have dependents; avoid locking money in rigid/illiquid assets early (e.g., a house); use ELSS to save tax under Section 80C while building market exposure; and pick investments that scale with your career—prefer mutual funds and Provident Fund, avoid unnecessary debt, set goals, and review regularly.
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