Please suggest an approach / road map, steps to financial planning that is executable by a salaried individual. I would like to avoid any middlemen or agents.
Your public library. The first book I would recommend is called “The Automatic Millionaire”. It is nothing groundbreaking or new. I can’t believe this guy got rich off of writing these books. I would never buy one of his books. But I read them at the library. It is full of 100% common sense. Very important common sense. Follow it.
Don’t try anything that involves “tricks”, paying someone else to predict the future for you, or anything like that. (You can predict the future just as well as the professionals.) Personal finance is indeed 100% common sense.