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00:01 - 🔔 Introduction & New Year Financial Mindset 01:13 - 💸 Salary, Expenses & Financial Resolutions 02:17 - 🏦 Number of Bank Accounts (Income, Expense, Investment) 03:53 - 💰 Savings, SIP & Recurring Deposit Planning 06:03 - 🚨 Emergency Fund Importance 07:13 - 🛡️ 6 Months Emergency Corpus Calculation 08:57 - 🎯 Investment Goals (Short, Mid & Long Term) 09:58 - 📊 FD, RD & Mutual Fund Basics 11:32 - 👨👩👧 Long Term Schemes (Education, Sukanya Samriddhi) 12:42 - 🏥 Health Insurance Importance 14:28 - 🧾 Term Insurance Explained 16:05 - ❌ Good Loan vs Bad Loan 18:37 - 💡 Avoid Lifestyle Debt & Financial Discipline 19:55 - 💼 Need for Extra Source of Income 20:41 - 🚀 Skill Development & Side Income 21:11 - 🙏 Personal Journey & Motivation 21:55 - ✅ Conclusion & New Year Message
6 Smart Financial Planning Tips for 2026 | Insurance, Avoid Bad Loans, Invest, Bank Accounts & More
Are you ready to start 2026 with strong financial clarity and confidence? 💰 In this video, we explain 6 smart financial planning tips for 2026 in Tamil, specially designed for middle class families, salary employees, beginners, and young professionals.
Many people earn well but still struggle financially because of poor money management, bad loans, no insurance, and depending on a single income. This video will help you avoid those mistakes and build a safe, stress-free financial future.
In this video, you will learn:
✔️ How many bank accounts you should maintain for proper money management ✔️ Why an emergency fund is compulsory before investing ✔️ How to set clear investment goals (short-term & long-term) ✔️ Importance of health insurance & term insurance in 2026 ✔️ Difference between good loans and bad loans & how to avoid debt traps ✔️ Why you should never depend on a single income and how to build multiple income streams
These financial planning rules are simple, practical, and easy to follow for anyone starting their personal finance journey in 2026. Whether you are a student, salaried employee, homemaker, or business person, this Tamil finance video will guide you step by step.
👉 Start small, stay consistent, and let your money work for you.
If you find this video useful, LIKE 👍 | SHARE 🔄 | SUBSCRIBE 🔔 to our Tamil Finance channel for more money management and investment guidance.
DISCLAIMER The information provided in this video is strictly for general financial education and awareness purposes only. The 6 financial tips discussed here are intended as general guidelines.
This is not a substitute for professional, individualized investment advice, legal advice, or financial recommendation. Before making any decisions, it is crucial to consult a certified financial advisor who can take into account your personal financial situation, goals, and risk tolerance. Investments are subject to market risks. You must exercise full responsibility when making investment decisions.
This video includes a sponsored segment and affiliate links for insurance comparison through Policybazaar. If you make a purchase through these links, we may receive a commission at no extra cost to you. Please do your own research (due diligence) before making any purchase.
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