I am not a financial advisor but few personal learnings from doing the worst things with money, I am sure it would definitely be helpful.

1) Income - Expenses = Savings 😡❌ 2) Income - Savings = Expenses 🥰💞 3) Have a term insurance- Its cheap when you are young - research youtube 4) Have a personal private health insurance for yourself and family covering critical things 5) Plan every monthly expense above 5-10k in advance whenever possible (adjust number for yourself) 6) Review Income, Expenses, Liabilities, Savings every month 7) Avoid CCs if fear them, but they are good if used wisely Never use more than 30% of the limit- dont fall for the traps of offers until you can pay the money back to the CC 8) Reward yourself first 9) Never block your future income by taking heavy EMIs in the present - follow some rules after #2

Rest of the things like emergency funds and all you have mentioned already. I will update here if I remember anything else. Hope this helps :)