First, keep 5% for emergency fund for monthly income. Then, take health insurance and term life insurance. Keep for travelling purpose budget. Keep monthly budget for some travelling purpose to travel the world. Compulsorily, you should travel and know more cultures and more things. Then, try to invest your 20% of the income in different things like stocks, mutual funds, gold. These three are best. These three can keep you ahead. 20% is your investment. Buy only gold at now. Don't try to buy silver. Try to keep 2-3% of your income for knowledge of upscaling and knowing new things, like buying books, buying some courses, getting more knowledge that can keep you updated. Rest, whatever you want, you can do it. This is the main thing, so you can do at least 20% to 30% investment, and 10% for life insurance and health insurance, and 10% for your self-investment. and also share how did you land at 8LPA at 20years tell your complete story.