25M, earning well, but I struggle to manage my money properly—it just sits idle in different places.

I do have some investments, but not much. I have an education loan of ₹8L, which I aim to pay off by the end of 2025 (hopefully sooner). However, I procrastinate a lot and lack confidence in investing actively. I haven’t invested in mutual funds, US stocks, or Indian stocks.

My Monthly Expenses:- even if I spend 1L, 95k remains

• Loan EMI: ₹50K
• Rent & Household Expenses: ₹20-25K
• Money Sent to Family: ₹10K
• Other Expenses: ₹10-20K

I see many smart people on Reddit helping young professionals like me. I’d be really grateful if you could guide me on:

1. How to allocate my money wisely (with dummy/real examples).
2. How to balance loan repayment and investments.
3. Where and how to start investing.

I would love to hear your thoughts!