Before investing anywhere (whether it’s an SIP, RD, gold or even fricking crypto :P), you need build your safety net!

Build your emergency fund.

Make sure you have enough money to sustain your lifestyle for atleast 6 months if you are out of a job tomorrow.

More importantly, park that money somewhere safe (not under your bed ofcourse!) and can be liquidated easily.

Few options:

1. Fixed deposit
2. Liquid fund
3. Savings account
4. Cash

Divide your emergency fund among all these asset classes and not put 100% in any single one of them.