5 money habits to build before you turn 25

You don’t need to become a millionaire by 25. But you do need to build the habits that’ll make becoming one possible. Slowly, sustainably, and smartly. In a world obsessed with hustle, shortcuts, and viral finance “hacks,” what young Indians really need are simple systems that last. Before the EMIs, the heartbreaks, and the 3 am financial anxiety—there’s a five-point checklist every under-25 should check off. 1. Start a SIP–even Rs 1,000 is enough Let’s bust the biggest myth up front. You don’t need a lot of money to start investing. You need time. A Rs 1,000 monthly SIP done consistently in your early twenties often beats the Rs 10,000 SIP that starts in your thirties. Because the earlier you start, the harder your money compounds for you. You’ll hear this again and again from wealth managers to internet finbros: consistency beats size. Your twenties are for building rhythm, not Soho House riches. Set up that SIP today. 2. Track your investments and not just trends Every friend group has one person who's

This article was originally published on June 20, 2025.