Nitin Gawade is a software engineer, who lives with his homemaker wife, Deepali, in his own house, in Pune. Gawade brings in a monthly salary of Rs 99,000, and manages a surplus of Rs 44,690 after household expenses, home loan EMI (for a Rs 13 lakh loan), insurance premium and investments. Though his portfolio is a meagre Rs 22.2 lakh at present, an early start to financial planning means he will be able to meet his primary goals with ease.
His goals include building an emergency fund, taki ..
