yo post harera ma lai pani comment garna maan lago. Maile sabai khale manche dhakheko chu. Kasailai khana ma kum kharcha garchan, kasaile launa ma, kasaile ghumnama, kasaile gadi ma, kasaile ghar ma. At the end mero observation chai, manche le kunai euta bastu ma paisa kharcha garchan. That's all on the interest of human being.
I believe some thing investing in home is safe, some on land on Nepal, some on dhatu( gold, silver, diamonds), tara sabai le paisa kharcha garchan. khoi khoi chai paisa bank ma rakhera khusi hunchan, khoi invest garera.
At the end, sabaile katai na katai paisa kharchan garchan. Sathi bhai haru saving bhayera matra chinta na leu. Afno paristhiti ra samaya ko khel ho sabai. I met someone who said save before marriage because it hard after marriage. Some says I will save after marriage (single huda daru khana bar jana ghumna mai paisa sakincha). Its all on perspective.
Save garnu bhanda halka diversify garera save gareko ramro. Tesh ma aafu lai jaha comfortable huncha thahi. If you want to invest on land, go ahead or house go ahead. Its all taking risk.
Ma chai car loan, 10k credit loan, aaba bihe garnu cha arko loan. LOL. Been in US for 10plus years. Be happy with what you have is most essential :)