Need ur guidance in my financial planning. I want to make my savings for both kids professional graduation say medicine .. Im planning to buy an independent home in between 3-5 yrs from home, where I need fund of atleast 10 lakhs for down payment, im just NPS subscriber by my employee. I didnt take any other retirement plans yet. I am a bank employee and my spouse is Soft. Engnr. We both earn around 85k and aged 37 and 29. Till I managed finding for emergency fund for abt 2 lakhs. Every month we are paying 2500 for lic policy for first child where we get returns from 14th year of child to 20yrs of 6 lakhs. Kindly guide me how to plan to achieve our goals. We both have health insurance from our both employers. We dnt take any term insurance yet. Thanks inadvance.