Smart Money Management for Young Professionals: Budget, Save, Invest & Enjoy Just received your first paycheck? Wondering how to balance rent, Netflix, weekend getaways, and savings without going broke? This beginner’s guide is your go-to playbook for managing money in your 20s. Learn how to budget your income, track essential expenses, save for emergencies, start investing with as little as ₹15,000, and avoid overspending traps. With real-life examples and a practical approach, this article helps you build a financial foundation while still enjoying life. Spend smart, save consistently, and grow your wealth—without sacrificing fun.