By Yogesh S. Pandey — Certified Financial Wellness Coach | Trusted by 2,000+ investors (Learn from real-life examples, not regrets) 🧠Intro: The Truth About Early Money Mistakes Most young earners feel invincible — the first salary hits, the independence feels amazing, and suddenly… the debit card starts glowing 🔥. But small financial mistakes in your 20s or early 30s compound faster than your returns . And fixing them later can cost you years of peace, freedom, and opportunities. At SRAY Global Wealth , we’ve seen this story unfold hundreds of times — across clients, colleagues, and friends. Let’s double-check what usually goes wrong… and how you can steer clear. ⚠️ 1. No Emergency Fund — “It won’t happen to me!” Reality check: Life doesn’t wait for your paycheck. 🧩 Example: Riya (26) lost her job in a tech layoff. With no emergency savings, she used credit cards for rent and EMIs , leading to ₹1.5 lakh debt in just 3 months. 💥 Consequence: ...
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