Without dependents:

An appropriately created financial plan which factors in your needs for wealth creation and protection could go a long way in helping you meet your goals. At this stage, you can start investing in the equity market through mutual funds as part of a long term wealth creation plan. Systematic Investment Plans (SIPs) can be a good way to ensure regular and long term investing in mutual funds. It is also a suitable time to begin planning for your retirement with the help of a combination of investment and insurance products.

With dependents:

A financial plan which factors in your need for protection and wealth creation could go a long way in aiding you to continue supporting your dependents such as parents, while building a nest egg for yourself, when you decide to marry.