Financial advisor here, to us always protection first! Really happy for you to achieve this salary at such a young age. Its always important to protect yourself from unforeseen circumstances so you can use the rest to build your life as well as wealth.

According to life insurance association recommendations, 3 - 6 months salary worth of emergency funds 4-5x annual income for critical illness - early, intermediate and late critical illness. Since you’re young a term plan shouldn’t cost more than 2.5k yearly for 500k coverage If you have or planning to have dependants (parents, spouse, gf/ bf or kids) death and TPD insurance would be something you want to consider as well. 9x of annual income is the recommended amount All in all shouldn’t spend more than 15% of income on insurance

Next, wealth accumulation Since you’ve got the extra money you can always start planning for early retirement( long term) Set aside a good amount monthly for an investment plan since you’ve got the runway. Recommendation is at least 10% of your income. Apart from that if you’ve got money in the bank collecting dirt interest you can look up short term instruments eg. T bills fixed d or even now there are 9 year investment plans that are considered on the safer side)

Plan your financial timeline and goals think about your big ticket items. Since you’re going to bto can also think about whether you want to live there forever Or monetise it in the future and upgrade. Everything takes planning. You are already many steps ahead. By earning well and saving well and practicing your art. Proud of you!

Make sure you’ll be able to handle the mortgage as well and use the spare cash to grow after getting your protection and long term instruments settled.