How do you create a personal finance plan that aligns with long-term goals?

How do you achieve this?

Need mutual fund suggestions for SIP for 20 years.

Looking for an app/service to help me plan personal finances, investments etc for me and my wife. Any suggestions? Apps don't really cover overall personal goals, what one needs to do etc.

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning bet...