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Along with salary and income increases, liabilities have also increased. EMIs, credit cards, home loans and others take a huge bite out of income.
Difficult to build the appropriate level of portfolio when 50% or more of the cash flow is going towards liabilities.
Pay off the smallest loan first so you can start paying off the bigger loan.
Before looking at SIP management, look at management of EMIs. When EMI management is efficient, then portfolio building becomes easier.
Thank you so much for sharing your excellent thoughts and ideas
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