im 30 with 3 kids (aged 1, 3, 6). All boys Income : 40 k per month after TDS (working as a consultant) Expenses : 50k annual (school fees), about 15k misc (covering my travel and food to work and random spends) no loans or credit at all. no investment , no insurance nothing at all where to save money or invest for kids future? i have 0 saving as end up splurging my money each month. I want to start saving in a disciplined manner each month.
