3. Personal Savings
Proper personal savings grows your income
I am saving for an emergency and at the same time saving for retirement, where will I get money to buy my own car, build a house and take care of other responsibilities?
Okay, calm down. Think of personal savings as the money you put aside for immediate needs after taking out your monthly expense. The money that is left can be considered to be your personal savings that you can use for other needs that pop up.
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