Income Rs 20 LPA, savings zero: 30-year-old techie says family responsibilities left him with no money, netizens weigh in

A 30-year-old tech professional earning ₹20 lakh annually revealed on Reddit he has zero savings after funding a ₹14 lakh home renovation. As the sole breadwinner from a low-income family, he's seeking advice on building wealth from scratch amid job market uncertainties. Reddit users urged him to prioritize term and health insurance, establish a six-month emergency fund, and focus on career upskilling for increased income.

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