Working single can be categorized as, a person who has minimum 5 years of experience but is single (Bachelor/Spinster). The financial needs/goals for a working single would be different as compared to a fresher who has recently joined the industry. The focus would be more on short term goals like Own marriage, Housing need (to settle down) and own a vehicle. Tax planning too would be one of the need, which can be done in synchronization with financial goals. This stage of life can also be characterized as high savings since the family responsibilities are less, and hence one should focus on channelizing savings in to investments in order to create long term wealth and capital.