Our planner has laid out a roadmap for you, which is in line with your financial state, comfort and risks. By following it, you will reduce a lot of stress around money issues and get time to enjoy each phase of your life as the goals that you have listed materialise. One aspect that you need to plan for, which has not been listed, is children. Agreed, it is too early in the day to think of that, but do keep in mind that the birth of a child will completely alter your finances. What came as a surprise while going through your financial details was the absence of a life insurance policy. Nothing wrong with it at all, as long as you think that you did not need one if you did not have any financial dependents (Read: When you need life insurance). However, as you are stepping into greater responsibilities, it is advised that you take on a life insurance policy at the earliest and keep reviewing it as your financial goals are fulfilled and new ones add up. In the same manner, our planner has suggested that you take adequate health insurance policy and add other members of the family as your family grows.