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age is 30.currently having 2 loan 2994/-and 4432 /- per month for five years (2018-2023).was a reckless spender.saving was almost nil.credit card debt was skyrocketing.a year ago I started doing sips as to save taxes.now i m running sips of 15000 / month .I have ELSs ,small cap, mid cap ,multicap , index ,debt fund in my portfolio.Thinking about rising the sip 10000 more in the upcoming year as i got a promotion recently.My take home salary is 50000/- and i dont have any liabilities. I want to invest in good stocks also.any suggestion will be great to create wealth for future.
p.s.I have 10 lakhs worth of saving in PPF and NPS fund .