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you said youre planning to buy a car so as of now is current necessity for you I can wait if I may ask why did you take that loan as soon as the lock-in period end please remove that amount do not continue investing in it hello and welcome to a new episode of fix your Finance powered by credit hows it going yeah hi welcome actually everything is going good so since how long have you been married 2018 okay and how old are your kids I have a baby of uh three years baby girl and is it like a remote job or do you have to visit office every day theyre kind of a remote job only just weekly one second visit okay so what is your current total compensation so its around 17 lakhs per annum and what is your monthly uh take-home pay uh is around 1 lakh sixteen thousand okay and currently what all deductions and exemptions are there so I have a ppf PF and ppf deductions EPF is how much 10 000 per month ten thousand per month okay and ppf how much are you investing in a year ppf also same uh on