Why did I choose 32 and not a nice round number like 30 for this post?

Simple…it takes the mind 2 years to ACCEPT that you have turned 30….so 32!

What all should you have achieved by this age:

1. Financial Independence: You should have cut the financial umbilical chord from your parents. You are now living independently (or paying for your share of the expenses).
2. You have repaid a big portion of your educational loan (unless of course if you are doctor, then you are still studying).
3. You have finished all your “must buy” kinda toys – motorcycle, etc. types
4. You have started a few sip – and ATLEAST one towards your retirement.
5. You have nominated for your provident fund, your savings account, your PPF,…..etc.
6. You and your spouse now track your expenses
7. You have made up your mind regarding marriage, if not already married
8. You have made up your mind regarding having a kid
9. You have established an emergency fund
10. You are adequately insured – life and medical
11. Your retirement accumulation is about Rs. 10L and you cannot touch it till you are 55
12. Your credit score is 790. Ok kidding, but you have a good score if not a great score like 790
13. Your health is in top shape and you are playing a killer sport – squash, sprinting, mountain climbing,….
14. Stop comparing friends and other’s success by length of car or GB of their cell phones
15. Have a hang of what lifestyle you can afford in your life
16. Zeroed in on the location and size of house – either bought or know why you are not buying

Not sure if I should do more than this….if there is demand…will do another 15…and 1 for the road!