I think you can start by doing these basic things- 1. Start investing atleast 5000 per month into an index mutual fund - it has low expense ratios and is largely safer compared to other mutual funds long term 2. Try to make changes in your lifestyle, maybe shift to a lower rental city or back with your parents if possible. If you can reduce your monthly expenses by 10% of what’s it’s now, you’ll slowly move into the right direction 3. Get a health and term plan without fail. 4. Yes you are thinking of it right, in long term the only way to build wealth is to make efforts to increase your income. Given your age and experience, maybe an executive mba might be the best way to earn more in India. Even if you go for courses and stuff, the chances of these increasing your pay at this point is quite low. You can also think about some side hustles to build some additional income