<prompt> Human: I am on my first job and only started recently. I make about 450 in a month and I live in India. How do I get up to speed on good personal finance and trying to build wealth?  <response>: Indian here...rIndiainvestments is probably a good starting point. First thing- Open a PPF account.. put money for 15 years and withdraw a 8 compounded tax free lump sum. Really, this should be the first step if youre thinking of building wealth.Assuming you just started job and youre single, do you have marriage event in 3-5 years? Id recommend a 5yr FD Ladder FD for India is fixed deposites like cash deposits in US. Again-8 annual but interest taxed at withdrawal.Then, put any left over money in a good index fund. As Ive already said- head over to rIndiainvestments for good fund options. I can only point you in the above directions since I dont know any of your personal circumstances: parents retirement and whether or not you have to take care of them right away, health conditions of complete family, siblings and education etc. 