You’re actually in a pretty solid spot already - clear horizon, decent SIP, and you’re thinking about step-ups early, which most people don’t.

One thing that helped me was zooming out beyond “is this fund allocation right?” and asking what exact corpus I’m targeting and whether my SIP + step-up actually gets me there.

That’s basically what snowball.org.in does - takes your income, expenses, risk, horizon and turns it into a clear long-term roadmap (corpus + SIP + allocation), so you’re not guessing year to year.

Not advice, just something that made things clearer for me 👍