Solid financial plan

• Six months of expenses as an emergency fund in a separate savings account
• Term insurance
• Health insurance
• Portfolio of mutual funds
• Portfolio of growth and dividend yielding funds

You don't need any more financial plan. What you need is patience to execute this month-on-month basis.

Start early (as soon as you get your first paycheck) and let the compounding do its magic.

Don't buy real estate at first. Build your portfolio of MF and stocks. After about 10 years into investing and growing your career, you'll have good portfolio and enough income to go for real-estate.