The biggest trap they like to fall into is no-cost EMI option.My net-worth right now :I use credit card to earn points ( 10200 ) and pay back every month before the statement genrates in full. I have seen many of my friends who joined in my batch making the same statement where they want to Buy a Bike or iPhone instead of buying a mutual fund. I am 23 right now and working in the IT industry since the last 2 years.
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