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Once you own a new house in India, it's a hassle to complete the interiors. When you finally get your hands on it and want to turn it into a home, you realize that you have yet another headache - disorganized contractors, poor workmanship, and delays.
Emergencies never come announced, and they take your breath (and money) away with their magnitude.
The savings habit is the most important one to inculcate, especially in your 30s.