Need suggestion on financial planning

Hi beautiful people, I really need your suggestion on financial planning.

I kinda feel lost in terms of savings and spending

My current package is 80lpa Experience 5+ years Current net worth Roughly around 60 lakhs Emis running for my house and car Car 23k/per month m,will end in 2 years House emi 52k per month

My take away salary is 3.4 lakhs

Rest of them are bonus and stocks

My current age is 28

I spend money without thinking the bank balance. I don’t have anything calculated. Even when it comes to spending on family or anything I just give thinking I have money in my bank and next month anyway salary will get credited. But I feel somewhere this is wrong

my question to you all.

Am I doing things right? How does it look like after 30s or after marriage Should I think about children plans right from now. The reason to ask because I see people now struggling even after earning good amount of money. What would you plan if you are in my shoes. Also how is future looks like for software engineering roles

I am not expecting replies like, “enjoy your life dude, don’t think much about future” etc . I am already living my life I dreamt 5 years back.

I am look some serious suggestions from you all ❤️