🎓
The Student
Age 20 · College · Kathmandu
Budget: Rs. 3,000/mo
Pocket money, limited savings
Long horizon
👔
The Fresher
Age 23 · First job · Pokhara
Budget: Rs. 25,000/mo
Salary minus rent & food
Early starter
🏦
The Professional
Age 28 · Senior role · Lalitpur
Budget: Rs. 50,000/mo
Good income, family pressure
Wealth builder
🏘️
The Entrepreneur
Age 32 · Self-employed · Biratnagar
Budget: Rs. 55,000/mo avg
Irregular income, no EPF
High risk taker