Financial Planning for Middle Class: Emergency Fund Formula Banks Don't Want You to Know

In this episode of the podcast, host Shruti Doctor sits down with financial planning and insurance expert Prateek Jaiswal to break down everything the Indian middle class needs to know about financial planning, emergency fund creation, health insurance, term insurance, and smart loan repayment strategy. If you've ever wondered how much emergency fund you actually need, why medical inflation in India is quietly wrecking savings, or whether you should buy insurance before you start investing — this financial planning podcast answers it all.Prateek explains the real difference between health insurance and term insurance, why ULIP and endowment plans are often misunderstood, how to structure a loan repayment plan to become debt-free years early, and why an emergency fund of 6-12 months' expenses is non-negotiable for every middle class family in India. This is a must-watch personal finance episode for salaried professionals, first-time earners, and anyone building a long-term financial plan in 2026.Whether you're just starting your career, repaying an EMI, or trying to balance short-term lifestyle goals with long-term wealth building, this conversation on financial planning, insurance, and money management gives you a practical, no-jargon roadmap.

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