Six numbers that tell you if your money life is healthy

Doctors check blood pressure before anything else. For money, these six vitals do the same job:

1. Savings rate = savings ÷ income → target 20%+. Below 10% and no investment strategy can save you; the inflow is the engine.

2. EMI burden = total EMIs ÷ monthly income → below 40%. Cross it and one bad quarter forces you to sell investments at the worst time.

3. Liquidity = liquid money ÷ monthly expenses → 3–6 months. Your emergency fund, in savings + liquid funds. Business income? Make it 12.

4. Insurance cover = term insurance ÷ annual income → 15–20×. A ₹25 L income needs ₹4–5 crore of term cover. It costs less than two pizzas a month when you're young.

5. Equity share = equity ÷ total investments → roughly 110 minus your age. A 30-year-old at 20% equity is being quietly eaten by inflation; a 60-year-old at 90% equity is gambling with retirement.

6. Net worth trend → up, every single year. Assets minus loans, written down each birthday. The direction matters more than the number.

Check all six in 15 minutes a year. Fix the worst one first — that's your whole financial plan, honestly.

Educational content, not investment advice. Investments are subject to market risks.