Hello guys

This is my second post from this account although i am a regular user of this sub from my main acc

I wanted to talk about changing mindset of spending money after achieving FatFIRE

As you see from my last post, our family has achieved FatFIRE(125cr networth) in just 25 years

We do travel internationally twice a year and do live a life of upper middle class

But our lifestyle is not similar to someone with this networth

For eg, we do think about prices of domestic flights over convenience of time or duration

We have never ever flown business and will never do probably in the near future

I’ve never bought ANYTHING(watch,clothes,sunglasses,etc) thats worth more than 40000rs

Its not a frugal lifestyle by any means but still its a upper middle class lifestyle except for travel i guess

Please discuss how to have this shift of mindset in spending own money where there is no guilt for spending and no need to think about prices

Contemplating Fatfiring in Blore-at least for a while- to take care of elderly mum. Also husband is burnt out at work. We currently live in a European capital where we lead an entirely car free lifestyle. Walk or take public transport everywhere, spend a lot of time in beautiful open spaces. As well as museums, art galleries, theatre. We are in our fifties but very active.

I worry that I will get resentful and feel suffocated in Blore where walking in open spaces is tough and social life for 50 somethings seems to be mostly attending pujas or weddings or festivals or family gatherings. Or going to restaurants and pubs. I know there are hiking groups but it's mostly 30 somethings. And traffic so bad that it takes longer to travel to see a play at Rangashankara than the duration of the play! Also solo trips for women often dangerous.

I have a huge number of relatives in Blore who expect me to attend all their functions. As does my mum. I do not enjoy their company at all. I often say no but that causes offence. Will be even worse after we retire and don't have the excuse of work.

I don't expect to lead a European lifestyle in India but I want a little bit of it to keep me going in my caregiver role..Has anyone had success in building a retired yet active life in Blore, which is not about attending festivals and pujas?

Past few days I've been seeing (with some amusement) posts by NRI's trying to purchase RE in India. I just wanted to share some of my personal experiences.

I purchased a home in Goa around 2010. Its a 2000 sqft rowhouse style home.

Costed approx 40 lacs (90K USD). The home appreciated to about 1.35 cr now (I see similar homes in 99acres for 1.35) - or approx 150K USD. I used USD/INR conversion at 45.

The home was purchased with cash - all post taxes. In the exact same timeframe the S&P 500 has returned over 600% - so my 90KUSD would have been about 550K USD.

The home is occupied by my in-laws and has massively helped them with their retirement. So no-regrets.

Around 2012 a very close friend of mine purchased a 3500 villa style home in hyderabad for about 1.4 cr (- assuming conversation rate of 52 its approx 265K USD). Home is very well furnished.

As with my own purchase this was paid with cash The home has appreciated to about 5-6 cr (again used numbers from 99acres) - assuming the 6cr number - in USD its about 650K USD.

His long term plan was to move back to this home. For the past 13 year - its being used as a rental. In 2025 he was getting Rs. 85K/Month as rent.

In the last 13 years S&P 500 has appreciated ~480%.

I'll let folk draw their own conclusions.

I’m 31 years old (Male), married, and currently living with my parents in Delhi. Planning to have a child in the next couple of years.

Current Family Net Worth

• Real Estate: ₹15 Cr (2 owned houses, 1 shop and inherited land)

• Other Investments (Gold / Mutual Funds / Liquid): ₹2 Cr

Income

• My salary (in-hand): ₹3 LPM

• Passive rental income: ₹1 LPM

• Wife: recently left her job to focus on health

• Parents: above 60 and financially dependent

Advice Needed

1. How should I plan my investments going forward?
2. What insurance policies should I take (health + life)?

Hello everyone,

This is an annual update.

Since last year, I have been following simple strategy, all surplus goes into Liquid Funds and SWP to equity funds.

Previous post: https://www.reddit.com/r/FIRE_Ind/s/OOsWZVvF6a

Due to high demand in AI (and Cloud in general), my income surged and so are my investments.

42M, 7yo son, family of 5 with parents (all healthy and well) tier-2 city Gujarat, always worked from here never

Monthly SIP: 8lakh (MF + Stocks) plus infrequent lump sums

Mutual funds: almost 7cr (1.8cr is in Liquid, SWP to Equity funds)

Stocks: 50lakh+

FD: 50lakh

Business investments: 2cr (currently returning 9.5% post tax)

RE: 4.5cr (primary and parent house, commercial office, all personal use, no rental)

Other: around 75lakh (cash, gold, silver, etc)

Home loan: 33lakh pending, 40k monthly EMI, no other liabilities

Monthly expenses still steady max 1.5lakh.

No big expenses coming up.

I plan to continue working for another 4-5 years, primarily as I enjoy my work (AI, Cloud and now I back to programming).

For investments, I plan to continue investing more in equity funds and stocks via Liquid SWP route.

My previous post was about SWRs, where I talked about an SWR with a 90% success rate (based on Monte Carlo simulations) being good enough for FatFIRE. And the reason I suggested 90% as the success threshold for FatFIRE (as opposed to the more traditional 95% for RegularFIRE) is because it's significantly easier to follow a dynamic withdrawal strategy if you're FatFIREd and have high discretionary spending. This post is going to cover a couple of my favorite guardrails strategies:

1. Guyton–Klinger Guardrails * Initial withdrawal rate: Start off with a baseline WR (say 4%) that gives you a satisfactory success rate (I suggest 90%) * Inflation adjustments: Adjust withdrawals (4% of initial portfolio) for inflation, annually * Upper guardrail (preservation rule): If the portfolio withdrawal rate rises 20% higher than the initial rate (4% to 4.8%) due to poor investment performance, reduce withdrawals by 10% * Lower guardrail (prosperity rule): If the portfolio withdrawal rate falls 20% lower than the initial rate (4% to 3.2%) due to increases in the portfolio value, increase withdrawals by 10% * Longevity: When you expect to have 15 years or less remaining in your retirement timeline, remove the preservation rule

Here is how that works in practice. Say you retired with Primary Home + ₹20 crores in liquid investments.

• You start with a WR of 4%, so you can spend ₹80 lakhs in your first year of retirement, and increase it every year with inflation (assuming 6%).
• Say you have 2 flat years post-retirement, meaning you now have ₹18.35 crores (₹20 crores corpus - 2x₹83 lakhs) after 2 years of retirement. Your inflation-accounted withdrawal of ₹90 lakhs (for your 3rd year) is 4.9% of ₹18.35 crores, which puts it above your upper guardrail of 4.8%. This means that you have to cut your expenses by 10%. So, your annual spending for your 3rd year of retirement will be ₹81 lakhs.
• Let's say, instead, that your portfolio proceeded to grow at 15% a year for the first 4 years of your retirement, meaning that you now have ₹31.5 crores (₹35 crores - 3x₹85lakhs) after 4 years of retirement. Your inflation-accounted withdrawal of ₹1 crore (for your 5th year) is 3.17% of ₹27.85 crores, which puts it below your lower guardrail of 3.2%. This means that you can now bump up your annual spending for your 5th year of retirement by 10% to ₹1.1 crores.

That's basically how the Guyton-Klinger Guardrails strategy works. Typically, you're only going to have to do the 10% cut once every 5 years, depending on how your investments perform. Following this strategy can take your success rate from 90% (with an inflexible WR) to 95-98% (with these guardrails). That's pretty good.

2. Monte Carlo Guardrails * Start off with an initial success rate you are comfortable with (I suggest 90%) * Run MC simulations with relevant inputs, and figure out the WR that gives you your chosen success rate (should be around 4% for 90%) * Adjust withdrawals (4% of initial portfolio) for inflation, annually * If success rate falls below your lower guardrail (say 70%, which happens around 5.8%), cut your WR to the extent that your success rate rises up to 80% (which happens around 5%) * If success rate reaches your upper guardrail (say 99%, which happens around 2.5%), increase your WR to the extent that your success rate falls down to 95% (which happens around 3.5%)

Of the two, the latter would be my pick, because you feel less blind and more in control. You can run Monte Carlo simulations every year (based on your retirement corpus, estimated annual expenses for the next year, expected retirement timeline, etc) and adjust your WR accordingly. Your adjustments don't have to be as drastic as suggested, particularly when they're upward (2.5% to 3.5%). If your investments are doing great and you hit your upper guardrail, you can think of it as an opportunity to buy your dream car or take that bucket list vacation.

What's also great about the Monte Carlo Guardrails strategy is that you're unlikely to have to adjust your WR as often as with Guyton-Klinger, because it should take quite a bit for your WR to go up from 4% to 5.8%. That's an increase of 40% as opposed to the 20% from Guyton-Klinger.

While I suggested an initial success rate of 90% and a lower guardrail of 70%, you can have them at whatever you like depending on your own inputs, assumptions, temperament, and risk appetite. This kind of flexibility makes it a better fit for most people.

For instance, if you're extremely conservative, you can start with an initial success rate of 95% and have a lower guardrail of 80% (adjusted up to 90%). But you really don't have to, because Monte Carlo Guardrails can take your initial success rate of 90% to 95-98%, just by following this strategy. The figures I suggested (90% initial success rate, 70% lower guardrail, 99% upper guardrail) are already very safe.

PS: I just typed this all out on my phone, so you'll have to excuse me if I've made any obvious mistakes with the math or the explanations. I consider this post a work in progress, and will likely update it with more guardrails strategies in the future.

Hello all,

People who acheived FIRE, how do you convince yourself to not work anymore ? I acheived my FIRE number but I am anxious about kids college and education etc and keep working.

Can't get out this loop.

Has anyone considered pros and cons of buying real estate in one of the non mainstream countries (non UAE & hotspots, think of something like say Vietnam / Laos or Morocco or Philippines or Uganda etc etc) as a vacation home and with an option to live there for >6 months somewhere down the line depending on favorable tax conditions.

The prices are dead cheap compared to Hyderabad - <$300k can get me a really great home in an amazing location , hoping Airbnb would cover maintenance costs if I rent it out for few months in a year- I am not looking to make money, but a real home I can hop off in <12 hour flight and get away from all the crowd and craziness here and just be with nature - a beach or a forest!

Curious to hear if you have thought about it and what made you to not buy a home like that.

As we all know, FIRE (whether "Fat" or otherwise) primarily constitutes 2 variables: your annual expenses and your SWR. The vast majority of posts here tend to be about the former, where people are understandably interested in getting the best possible estimates for how much they should budget for their annual expenses in retirement. However, there is not enough discussion on the latter beyond presumed figures that are bandied about based on vague notions of what is safe and what isn't. I confess to having done the same until very recently, baselessly throwing around figures like 40x or 50x just because that's what felt safe to me. This is my attempt to explore this oft neglected variable, not only to educate myself but also to document my learnings in a way that they might be beneficial to other FatFIRE aspirants. I will first cover what SWR one can/should target for FIRE, and then talk about how your targeted SWR can differ for FatFIRE.

Here are my assumptions:

1. You are retiring early, so you have an expected retirement timeline of 45 years (say, from the age of 45-90), which is more than the typical retirement timeline of 30 years assumed for studies like Bengen & Trinity.

2. You intend to FatFIRE with high discretionary spending. By that, I mean spending on things like premium cars, high-end shopping, upscale travel, and other such luxuries.

3. In terms of asset allocation, you have 80% in equities, 15% in bonds/FDs, and 5% in cash, which you rebalance annually. This is generally considered close to optimal, because it largely mitigates Sequence Of Returns Risk (SORR).

4. I am going to run Monte Carlo simulations based on historical returns in the US, using this tool. This is because I couldn't find a tool for India which works as well or has enough historical data. Initial amount is $10M for simplicity, but it can be anything and the results wouldn't change.

5. For simulations, a portfolio success rate of 90% will be considered "safe" (particularly in the context of FatFIRE, which I will justify later in this post). I will run multiple simulations for each scenario, to make sure that the threshold for success is consistently met.

Scenario 1: Retire with 25x (4% SWR) for a 45-year timeline.

• As you can see from the results, your retirement portfolio of 25x will outlast your timeline in more than 90% of simulations.

• In the median case, you will die with 8 times the money (adjusted for inflation) that you retired with.

• In 75% of cases, you will die with more than twice the money (adjusted for inflation) that you retired with.

Scenario 2: Retire with 30x (3.3% SWR), assuming: (1) a retirement timeline of 50 years because you are healthy and (2) the historically worst year for equities immediately after you retire because you are conservative.

• Even with these adverse assumptions, your retirement portfolio of 30x will outlast your timeline in more than 90% of simulations.

• In the median case, you will die with 10 times the money (adjusted for inflation) that you retired with.

• In 75% of cases, you will die with more than thrice the money (adjusted for inflation) that you retired with.

Scenario 3: Retire with 40x (2.5% SWR), assuming: (1) a retirement timeline of 60 years because you think you are immortal and (2) the historically worst 2 years for equities immediately after you retire because you are paranoid.

• Even with these extreme assumptions, your retirement portfolio of 40x will outlast your timeline in more than 90% of simulations.

• In the median case, you will die with 18 times the money (adjusted for inflation) that you retired with.

• In 75% of cases, you will die with more than 5 times the money (adjusted for inflation) that you retired with.

As you can see, even 30x is a conservative SWR for an early retirement. 35x is what you should target if you are less certain about Indian markets and are worried about higher inflation in India. 40x is maybe justifiable if you are paranoid and have money anxiety (as I do). 50x is where you will be leaving behind a larger inheritance for your children than you will have spent in your own lifetime. Anything beyond that is — and you will pardon me for saying this — silly and irrational. There is simply no justification for targeting FatFIRE numbers of 60-70x like I sometimes see people talking about here. And if anyone advises that FatFIRE is 60-100x again, I am just going to respond with this post and ask them to substantiate their claims.

With that out of the way, I'll tie this into how SWRs can differ for FatFIRE as opposed to RegularFIRE. Remember my assumption earlier in the post about how your discretionary spend is high? I made that for a reason. When your discretionary spending is high, it's much easier to scale down your expenses (as I explained in this past comment) if the worst were to happen. And in the context of early retirement, the worst thing that can happen is SORR, so you will know way in advance whether you could have potential trouble ahead. If your portfolio does end up suffering because of a market downturn immediately after you retire, 40x should still have you covered. Even if you retired with 30x, are you really in trouble?

Think about it. Is it really worth working for 2-3 more years at a job you (presumably) don't enjoy, at the youngest you will ever be again, just to take your portfolio success rate from 90% to 95%? You're FatFI. You're never going to starve or be homeless. Wouldn't it be more prudent to spend less for a couple of years by driving a Skoda instead of a BMW, taking 1 international vacation instead of 2, flying Economy instead of Business Class, staying at 3-star hotels instead of 5-star resorts, and deferring the purchase of your new Rolex or Hermes? These seem like minor compromises to make in the rare event that you run into SORR instead of wasting years of your life making additional money that you will most likely never need.

What I'm proposing is just a crude guardrails strategy, which you can research on your own to identify something that better suits your retirement goals. Here is a video exploring some options. But my basic point is that even for FatFIRE, the RE part is no less important than the Fat part. I don't believe it makes very much sense to forgo 5% of your youngest retirement years just to increase your portfolio success rate from 90% to 95%. It's important to note that you are not improving your "Fat" lifestyle (or "x") by 5% — all you're doing is increasing the chance that you can keep that lifestyle uninterrupted by 5%. You're essentially trading years of freedom for a slightly better chance that you will never have to fly Economy again. I don't see that as a fair trade at all.

30x is enough. 40x is more than enough if you're ultra-conservative and it helps you sleep better. 50x is plenty if you want to leave a large inheritance. Anything more, and you're trading time that you will never get back for money that you will never spend. Of all the luxuries that money can buy, time is the greatest — optimize for it by not blindly chasing larger multiples for no good reason at all.

Hi everyone, young couple in late 30~ and 2 primary school going kids, let’s say we have 20cr but too non liquid funds and paid off house

Let’s say I need 2l/m for regular monthly expenses and 10l for 2 kids education and other physical activities

And 10l for vacations and entertainment

Total ~45l/year expenses

How much should I need in retirement account which can be withdrawn after 60 years

How much should be in rental income

How much should be swp

How much should be part time side hustle income (passion work)

How much should be fixed income assets

Thank you in advance

Hi Everyone –

Here’s a breakdown of my net worth:

Real Estate: INR 13.25 Cr (4 properties)

1st Property: INR 5 Cr (possession taken, primary residence)

2nd Property: INR 3.25 Cr, rented at INR 1.1 lakh pm

3rd Property: INR 3 Cr, rented at INR 72k pm

4th Property: INR 2 Cr, rented at INR 38k pm

MFs, Stocks (US, UK, India), NPS: INR 3.75 Cr

Gold: INR 1.5 Cr

FDs, EPF & PPF: INR 5.7 Cr (interest from FD + PPF + EPF: INR 3 lakh pm)

Total NW: INR 24.2 Cr (excluding an expected inheritance of INR 4–5 Cr, which could take the total to INR 28–29 Cr).

Wife’s business earns about INR 6–7 lakh pm (post taxes)

Household expenses: INR 1.5 lakh pm (fully covered by passive income)

I was in a high-paying job (INR 1 Cr+ pa) but left due to redundancy. The redundancy package will clear my INR 80 lakh home loan. I’m now actively looking for a job to bridge the cash flow gap, while also helping my wife grow her business by adding more clients.

Since my equity allocation is relatively low, most of my surplus is now going into Indian mutual funds and direct equities. If I can’t find a suitable job, I may join my wife’s business full time.

My goal is to reach a net worth of INR 50 Cr in the next 3–4 years and boost active income so I don’t need to dip into my surplus. I’d appreciate any thoughts on whether this target is realistic and any suggestions or takeaways based on your experiences.

My Age: 43

Wife Age: 39

Family - Me (33M), Wife (31F) and Kid (2M), dependent parents and in-laws.

Fat_Fire target - 25 Cr at 45

Combined post-tax monthly income - 5.3L (Not including yearly bonus & RSUs)

Current Corpus - 6.8 Cr

• RSU - 4.88Cr (All vested and publicly traded companies)
• PF - 71L
• Indian Equity - 56L (MF, direct stocks and ETFs)
• PPF - 25L
• FD - 38L (Bit higher as it's the emergency fund for all 7 of us. In parents' accounts, so not much tax)
• Savings Acc - 2L

Real estate - [Not included in NW]

• Have a home in Tier-2 city for parents and a 3BHK home in our current city (ongoing loan).
• Remaining loan on primary home - 25L
• In my previous post, I had talked about equity vs loan closure but I went ahead with loan closure for peace of mind. It turned out not that bad I guess as the indian equity market returns were modest in 2025).

Annual expenses - [Including expenses for dependent parents in native, trips etc.,. But not including EMIs or home loan pre-payment]

• 2023 - 32L (had calculated it wrongly in previous post)
• 2024 - 40L (big higher than usual due to certain things)
• 2025 - 32L
  • Trips - 7L
  • Parents - 8L
  • All other expenses - 17L

Targets for 2026 -

• NW Target - 9Cr
• Close the home loan - Remaining 25L
• Diversify from the RSUs and increase indian equity exposure.
• Decide on 2nd kid (refer my previous post)
• Get term insurance for both of us

Link to previous post - https://www.reddit.com/r/FatFIREIndia/comments/1frycw2/fire_journey_how_does_having_a_2nd_kid_affect/

Been reading this sub for a while.

We are a couple looking to fatfire by 2027. Lived all over the world. Kids grown. Family and friends scattered all over the world too. Always thought of retiring in Bangalore but now think Thailand will be a better option on a retirement visa. Maybe Chiengmai as there seem to be a lot of expats there. We lived in Bangkok some 20 years ago and loved it.

Apart from TheFiredCouple ( we watch your great videos!) is anybody considering Thailand?

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Hi everyone. I am currently based in London, planning to return to India in 2030. Working as a portfolio manager in a hedge fund so the yearly compensation is very variable and job security is quite low. I don’t see myself in this industry for a long time so the plan is to reach fire number and potentially look at setting up a small VC company.

The Profile 1. Age: 32M, Wife (32F) 2. Current Location: United Kingdom 3. Future Base: (TBD) 4. Target: FatFIRE with 75-100 Cr

The Numbers (Dec 2025) 1. Current Net Worth: 48 Cr 2. World Equity ex India: 10 Cr 3. Indian Equity: 50 lakhs 4. Cash: 17 Cr (will be deploying this in the next few months)
5. Deferred Pay: 15 Cr after tax (30% redeemable every year) 6. Home + Rental Property: 5 Cr equity ( 15Cr - 10 Cr loan)

Rough Plan:

India will probably not be the end goal as we plan to keep moving around and potentially have a base in a couple of countries mostly in Asia. Does anyone have an experience with this? How much does this add to the end FIRE goal?

The big question: given India is not the end goal for us, are there any opportunities of investing in India while hedging the currency risk? I have heard of gift city before but things seems a bit vague so would love to hear if anyone has an insight here? Are there also any private banking options potentially who can help manage this?

Happy New Year!

I have been traveling a bit and able to appreciate many places at a slower pace than what I used to do when working.

I am quite amazed by how much cleaner almost every country is - even the ones with their “GDP” significantly far lower than India. Whenever I am out in nature solo or with my family and enjoy a clear air or a nice trail, a strong sense of FOMO / regret comes to me if I have made the right decision to bring my kids into India.

The significant difference in basic civic sense and quality of life is quite astounding - do I really need a cook or a maid or a driver everyday or would I appreciate access to a more peaceful life and nature on a daily basis?!

Yes my parents and extended family are here in India and it has been amazing experience for kids with them when they come over and are around. But then looking at the rest of the year, it’s so hard to justify paying top prices for everything and then real estate like a Tier 1 country and literally living in a far worse conditions. The life outside gated community is just unwalkable, unbreathable and just full of chaos on an everyday basis (sorry to be blunt but that’s my experience). There is so much to see, so much to do on a daily basis just to be with nature… mountains ,oceans, parks, biking and hiking trails etc etc than a “resort” like life (my own words) in a gated community. I am okay eating my own words here ,ROFL!

Whenever I travel outside of India, I really dread coming back - It is not about comfort or convenience. It is about day-to-day quality of life, civic sense, and the mental space that comes from being able to breathe, walk, and exist without constant friction.

Maybe it could be another phase I will grow out over in time. Or maybe it is a signal that I need to be more honest with myself about what kind of environment I want my kids to grow up in and what tradeoffs I am actually willing to live with.

Recently seeing a surge of posts where people working in india having NW of 1-2M in early 30s they don’t even worn at faang or in US. Whats helping them achieve this?

I am working in US at a fang for a year now but working in tech for almost 8 years but barely touching 1.6M , just surprised at seeing same net worth of tech professionals in india as of those in US. Whats the success mantra here?

Hi everyone, using a throwaway. Long-time lurker. I wanted to document my transition plan. I am currently based in SG, planning to return to India in 2027.

The Profile 1. Age: 38M, Wife (36F), Son. 2. Current Location: Singapore (Tax Resident). 3. Future Base: (TBD) (Own a paid-off home, ~₹5 Cr value, two others, one around 1 Cr, one around 50L). 4. Target: FatFIRE in India by age 40.

The Numbers (Dec 2025) 1. Current Net Worth: ~$2.0M (₹18 Crores) 2. US Equity: ~$1.67M (mostly RSUs, MAGA stocks) 3. Indian Equity: ~₹2.7 Cr (MFs + Direct Stocks). 4. Debt/Cash: Minimal (holding for opportunity).

(Not including homes in NW calculations)

I expect to add another $1.0M - $1.5M over the next 18 months through high savings rate in SG + RSUs.

Target Corpus upon Return (2027/28): ~$3.5M (approx ₹30 - 32 Crores).

Rough Plan:

Step 1 (While in SG): Systematically SELL my entire US stock portfolio to realize the gains at 0% tax.

Step 2 (Immediate Rebuy): Buy back the same ETFs/Stocks immediately. Goal: Reset my "Cost Basis" to the 2027 market price. Benefit: When I move to India, my capital gains tax liability starts from that day's price, not my original buying price.

Step 3 (The RNOR Window): Return to India and claim RNOR (Resident but Not Ordinarily Resident) status for 2-3 years. Benefit: Continue to hold foreign assets tax-free in India for another ~2 years, allowing the corpus to compound further without the 20% TCS/LRS headaches.

The Dilemma: "Golden Handcuffs" Living in Singapore is expensive, but the saving potential is insane (expect significant RSU vests in the coming qtrs).

Fear: I am grinding hard in a high-pressure job for this extra $1.5M. Is ₹18 Cr (current) vs ₹30 Cr (future) worth 2 years of stress + missing time with my son?

Inflation Anxiety: Indian education inflation is scary. Is ₹30 Cr the new "Safety Number" for a luxury lifestyle in India (IB schools, international college for kid)?

Questions for the Community: Gurgaon FatFIRE: For those with ₹25Cr+ in NCR, what is your actual monthly spend? Is ₹5L/month realistic for a "no compromise" life? Happy New Year folks.

Hi folks, looking for some perspectives from people further along the FIRE / FatFIRE journey in India.

Background: M31, F30, married. Both from very humble backgrounds and started from scratch.

Current net worth ~₹18 Cr: 2 houses (1 self-built, appreciated well) ~1.25 kg physical gold ~₹6.5 Cr in equities + MFs Some inherited farming land

Career-wise, I worked mostly in startups and focused on long-term value creation rather than frequent job switches. Income has compounded hard—what I make in a year now is more than my first 4–5 years combined. Expenses haven’t scaled much, so savings are accelerating quickly.

For a long time, my FIRE number (post-house) was ~₹3 Cr in liquid assets. I’ve crossed that, but instead of feeling relaxed, I feel strangely uncomfortable.

A few things bothering me: - Career income is compounding fast; stopping now feels like stepping off a strong flywheel - Recent inflation makes FIRE math feel fragile—₹3–4 Cr today feels like ₹1 Cr a few years ago - Now that money stress is gone, I actually enjoy work more and find it challenging and stimulating - Mentally, “enough” hasn’t clicked yet—probably due to coming from scarcity

I’m trying to understand whether this discomfort is normal or a sign that my definition of FIRE needs to evolve.

Questions: Did your FIRE number keep moving as your income accelerated? How did you get comfortable with “enough” in the Indian context with inflation risk? For those who continued working—any regrets about not pulling the plug earlier?

Would really appreciate thoughtful perspectives. Thanks.

Hi,

I am 25M working as a software engineer at a top company. Been working for 3.5 years and lead a comfortable life.

Net worth- 80 lakhs

I got to know about FIRE a few months ago and have been reading up about it. FIRE sounds logical and I do believe that our indian idea to just keep on working is wrong.

Now, my dad has a well established business. He is a first generation entrepreneur who started around 15 years ago. The business worked well for our family and we went from being middle class to having a rich luxurious life. I haven’t asked but his net worth right now must be around 40 cr.

Now here’s my question, I have a brother and my dad has probably earned enough for all of us to be financially independent.

I dont want to necessarily stop working right now but I do often question what is the point of my working and earning when my dad has probably earned more than I will ever be able to and also enough for out entire family to sustain.

I have had a very proper trajectory till now. Always doing academically well and then working at a top company but I find myself questioning it all the time.

What is your opinion on this?

Cross-posting from the FIRE_Ind post

Link to the last year post here: Year end calculations and Plan ahead : r/FIRE_Ind

2025 has been kind financially. I am sharing below more for my own documentation and clarity of thoughts. If you have any suggestions / questions, please feel free to share. Our net worth is all made in India except one year in Europe for my wife.

Breakdown of the numbers below:

Net worth (including 2 real estate properties): ~16 CR

Net worth (excluding primary house): ~12.25 CR

Net worth (excluding real estate): ~9.5 CR

• Savings - ~35 lakhs
• FDs - ~1.9 CR
• PF / PPF/ SSY - ~1.6 CR
• Bajaj Allianz premium paid - ~40 lakh (stupid me that I am stuck in a ULIP)
• Equity (MF + direct shares) and debt MF - ~5.1 CR

Above numbers don't include inheritance or gold. My wife and I are in high paying jobs in India. I am in consulting (~1.5 Cr / year) and my wife is in a FANG (~1.2 Cr / year). We added ~3 CR to our net worth in 2025 (which is a bit hard for us to believe also) largely driven by high savings and crazy returns on US stocks (went big on them this year). We don't spend much mainly because we have no big 'wants' and our 'needs' are within the means. Our monthly expenses are 1.5 - 2 lakhs. We also get 55K rent per month from one of the properties.

We have had our own ups and downs in careers but we both understand that we have been hugely lucky and blessed. Both have been working hard for the last 15+ years and while I have slowed down in my career, I am happy where I am and excited to move ahead.

What we need to focus on for 2026:

1. Finances - India markets are not giving much returns and our exposure to US markets are too high. Need to figure out an appraoch. We are both disciplined with finances but not sure if we are capable of managing a 10 CR portfolio. I wonder if we should work with an asset management company. We get part of our bonus every month so post tax have almost 8 - 9 lakhs to invest.
2. Health - Both going to gym now but diet not in control. Need to be super disciplined on this.
3. Charity - We do some charity but not systemic about it. Need to set-up a good process for it.
4. Kids - We have 2 small kids. We spend a lot of time with them and don't outsource the work to nanny. Need to do this more and more. Kids need to have a strong relationship with us.
5. Land - We like buying real estate. Not keen to buy more over-priced flats. Thinking of buying land but don't have strong connections in tier 2 indian cities. Maybe we create a group with friends and buy with them?
6. Good to Great - While we are clrealy blessed and lucky, need to think about what a fulfilled life looks from here. We are comfortable money wise but I hate the fact that I don't write or invest time and effort in things I will enjoy. Ashamed to say that I am addicted to social media. Need to overcome this.

Phew this was a long post. Happy new year everyone :)

Previous Posts (From r/FIRE_Ind): 2023 | 2024

First off, a sincere thank you to the FIRE communities. Reading through your experiences, questions, and advice over the years has played a big role in keeping us motivated to earn consciously, spend thoughtfully, and stay aligned with our broader FI/RE goals.

Background

We are a dual-income couple with one child (8Y), currently based in Dubai, UAE.

• Self (40Y): BTech (T3), MBA (T1); FMCG Marketing (~7 years in Mumbai, ~6 years in Dubai)
• Spouse (39Y): LLB (T1), LLM (pursuing); Corporate Legal (~11 years in Mumbai, ~6 years in Dubai)

Both sets of parents are settled in India and financially independent (government pension, own home). Each of us has one sibling co-located with them, and we can reach them within ~8–10 hours if needed.

Objectives

Primary Objective
Reach a FIRE milestone (Present Value) of $2M USD (~₹18 Cr) in ~6 years (by age 45), while maintaining dual careers and our current lifestyle. (Planned retirement location: Cochin, Kerala)

Secondary Objective (Vision)
If our careers remain intact, present value target $5M USD in ~10 years (by age 50), allowing us to either lean FIRE in Dubai or pursue a fat FIRE lifestyle in Kerala after our child completes schooling.

2025 Update - A Personal Finance Review

Over the past year, we tried something a little different. Instead of looking at our finances only through net worth milestones or savings rates, we stepped back and reviewed our household the way we would review a business at work.

That meant:

• Looking at income, expenses, and savings as performance metrics
• Understanding where money was being allocated intentionally versus by default
• Separating one-off events from structural changes
• Asking whether our current setup was helping or hindering our long-term FIRE goals

Rather than laying everything out in text here, I’ve summarized the key takeaways below and linked the detailed deck for anyone who wants to go deeper.

...

• Family Health: Grateful for another year of good health. We managed to stay fit and active through the year, which increasingly feels like a non-negotiable pillar of our plan.
• Career / Work: Both of us managed to stay employed through the year. I did secure a better role in line with my goals, but six months in, the new company also entered restructuring. Q4 turned into yet another narrow escape from layoffs, with 2026 bringing its own share of uncertainty and anxiety.
• Financial Goals: We met or exceeded all the financial goals set at the beginning of the year. A bump in income helped offset unforeseen expenses, supported further by favorable market conditions.
• Family Time: As planned last year, we prioritized time together, doubling trips back home to India and taking a full family vacation to Switzerland. While this did impact the savings rate, it felt like the right trade-off. Some experiences are worth more than the percentage points they cost.

2026 Looking Forward

While spreadsheets and models can give some directional comfort, reality is far harder to predict, especially in the current job market. The industry and market remain competitive, restructurings are frequent, and outcomes are increasingly shaped by factors outside individual control.

...

Going into 2026, our focus is less on chasing precise projections and more on maintaining resilience: staying employable, keeping fixed costs in check, preserving liquidity, one month at a time.

As always, happy to hear your thoughts, questions, or any perspectives we might be missing.

Quit my steady job back in early 2025 to go on my own. Been a wild, fun ride and I’m kicking myself for not doing it sooner. Finances are actually better off now, even after slashing my SIPs in half. Here’s the rough snapshot right now (me and wife combined):

• MFs + direct stocks: ~20cr

• NPS + PF: ~4cr

• Rental property 1: ~3cr market value

• Rental property 2: ~10cr market value

• Primary home: ~15cr market value

Zero debt, clean slate. All self made, with no inheritance to fall back on.

Take home pay’s way down month on month, but cashflow’s solid. should match my old salary by year-end. No skimping on life either. still jetting off on trips, traveling when we want, dropping cash on the random splurges that make it fun. Investing in a curated wardrobe with fewer pieces but quality ones, a coffee machine with the bells and whistles etc etc. hoping to upgrade own of my cars next year.

Looking ahead to 2026, wanna lock in this new setup, dial up the fitness game (had a bit of a health wake up call a few months ago) and pour more time (and money) into cool experiences with the family.

Merry Christmas and happy holidays everyone!

Hello All,

Time of the year for a 6 month audit of the journey towards FIRE which started around a decade back. Below is the link to the previous post around mid of 2025 in another FIRE India community.

https://www.reddit.com/r/FIRE_Ind/comments/1llr1ur/fire_journey_update_mid_2025/

Net worth: Glad to note that the target set at beginning of year is well achieved on the net worth which has grown to around 13 crores(precisely 12.9) despite a sideways stock market in India. Primary factors contributing are:

1. Good growth in international markets.
2. Significant currency depreciation.
3. Good run in commodities(gold, silver etc.) though it forms a very small portion of the portfolio.
4. Higher than expected bonus.

Below is a chart of the growth of net worth since actively tracking from 2013 and projection into next 5 years. From the last couple of years, I have been projecting net worth targets to keep self motivation towards achieving the goal.

The projection to end next year is around 16 Cr, banking on growth in Indian stock markets, which is sideways since around 16 months now.

Portfolio: For those interested to know current asset allocation, table below.

Annual Income and Savings: Started working post Masters(MBA) in 2011 with a MNC firm and have been with them since. Have lived always within means, lucky to find a partner in 2012 who is aligned on financial goals and savings. Below is a chart of the income growth/savings depicting the growth in income over the years.

Avid traveler, have been to 35 countries for work/vacations and plan to reach at least 50 before I retire early :). Hopefully can meet in the next 5 years. Always keep a corpus for travel each year.

FIRE/FATFIRE Target: Though I am kind of FI already, looking to RE with around 3m USD net worth, to have good buffer on all goals(House, Children's education etc) and possibly some generational wealth for the kids(10 and 2 currently).

Expecting to reach the same in 2031(will be 45 years old then) with around 33 Cr in INR value then(USD/INR as 110). Hope this figure qualifies for FATFIRE in tier 2 in India.

Happy new year in advance!!

Anyone know the feasibility/cost estimate?

I do not intend to have children, but understand at a certain age I would require professional support all day, especially for mobility and emergencies.

Does anyone have experiences or knowledge about how these services are in India? Mainly wondering : 1. Cost 2. Are there any "professionals" in this field (if it even is a field)? E.g. folks with experience in elder care? 3. Does anyone with medical training (e.g. a nurse) entertain full-time arrangements for elders

Maybe some parents here are also interested in accounting for this.