Hi, I earn around 85k per month but most of my salary just goes to clearing out the debts. My Dad started a business when I was in school but it didn't go well. Despite that, they financed my college education, well with more loans. Also, both my parent and my health have never been great so we had lot of expenses in healthcare. So, once I got a job I started to pay of these debts and here's a rundown of my monthly expenses:

Loan 1 - 16727 (12% interest)

Loan 2 - 4311 (14% interest)

Loan 3 - 5000

Edu loan - 6000

Rent - 10000

Aside from the above, I send 10k to my parents and put 10k to mutual funds for tax saving. I also spend some money on groceries/food. My question is how should I start saving? Or should I in the first place? I know people say that its best to be debt free first before you start saving. I don't have any emergency funds. I also dont have any health insurance aside from the one my company provides (star health). How do I start?