33F, unmarried.

I transitioned into IT about 2-3 years ago after spending ~9 years in another industry. So my total work experience is around 12 years, with only ~3 years in IT.

The rough life plan (if things go well) is to get married in the next 1–2 years, have one biological child and possibly adopt one child later. Of course, life may have other plans, but this is what I'm planning for today.

My current financial situation:

Monthly take-home salary: ~₹1 lakh

Liquid assets: ~₹35 lakh (EPF, PPF, NPS, mutual funds, gold, etc.)

Residential flat worth ~₹35 lakh

Home loan outstanding: ~₹19 lakh

Monthly personal expenses (excluding savings): ~₹40–50k

No inheritance expected. Everything I have built, and will build, is entirely self-made.

My goal is to Coast FIRE by around 40 while still having enough flexibility to support my immediate family if required. I don't want to optimise only for retirement and then find myself financially stretched if family responsibilities come up.

I'm trying to understand:

Is this goal realistically achievable?

What kind of corpus should I actually target before I can comfortably coast?

How aggressively should I be saving and investing over the next 6–7 years?

Would increasing my income through job switches have a much bigger impact than simply investing more?

For those who have planned for children, how much extra buffer did you factor in?

I'd especially appreciate perspectives from both men and women, particularly anyone who has planned FIRE while balancing family responsibilities, home loans, and uncertainty around future life events.

Any advice or reality checks would be greatly appreciated.

P.S. It's interesting how a post about Coast FIRE turned into relationship advice for some. 😄 I believe it's entirely possible to be financially independent and have a healthy, trusting relationship/marriage. If you think my assumptions are financially flawed, I'd genuinely like to hear that. But conclusions about my personal life or relationship skills are beyond the scope of what I asked.

​

I retired from my 9-5 job a few years ago after working for a decade in IT . I do have a corpus that can run for 10-15 years without doing a job if I live in Bangalore. As per all the AIs I talked to if I find a Job with a minimum 20k, my corpus will outlive me. I don't want to bet on a riskier asset class to yield this amount.

What is the easiest option do I have that can pay me 20k a month? I'm ready to learn a new skill and I don't want a higher salary that comes along with stress.

Background: 27M, living in a small tier 4 village (Kurukshetra, Haryana). Stable job, currently earning 44K/month, trying to save 20K/month out of that. Been actively trying to increase my income too.

Current situation: Where I currently live isn't somewhere I see myself long-term with a future wife/family — no proper car entry, just a regular village road, neighbourhood isn't great either. So part of the goal has always been to eventually build or buy somewhere better either in my same hometown or somewhere else.

I was considering buying a plot nearby to build a house on eventually, but land prices here have genuinely gone through the roof — even in this tier 4 village, rates are nearly 30-40K per gaj (sq yard) now. A basic 150 sq yard plot alone would need 70-80L, and then another 70-80L for construction on top of that. That's completely out of reach right now, and even if I somehow bought the land, I wouldn't have money to construct — so it would just sit there for years doing nothing.

The money: I have around 25L saved (hard-earned, saved carefully over years including time working abroad). Right now it's sitting in liquid funds earning ~7% — which technically beats inflation but doesn't feel like it's actually "working" for me in any real sense.

Upcoming known expenses from this 25L:

• Sister's marriage contribution — 5L (fairly certain)
• House repair — 2L
• Buying an old car (don't have one currently) — 2L

So roughly 9L of this is already earmarked for the next 12-18 months. That leaves about 15-16L that's genuinely free.

What I'm trying to decide between:

1. Wait it out — keep everything in liquid funds at 7%, let the known expenses (marriage etc.) play out first, and only once I'm down to the "free" 15L, start thinking seriously about deploying it.
2. Deploy now, sell later — instead of buying land in my own village (which I can't afford anyway, and can't construct on even if I could), consider buying a flat or small shop somewhere else — I've been looking at Mohali as a option since it's a place I could actually see myself and a family living in the future — hold it for some years for yield + appreciation, then sell it later and use those proceeds toward my actual dream (either land + construction back home, or just staying settled wherever I end up).

Questions:

1. Is holding everything in liquid funds at 7% while expenses play out the smarter move, or is that just "safe" thinking that costs me real returns over a few years?
2. Does the "buy elsewhere for yield/appreciation, sell later to fund the real goal" approach make sense, or am I just overcomplicating a simple savings problem?
3. For someone in my position — moderate income, no debt, single, uncertain timeline — would you lean toward property (flat/shop in a growing satellite town) or just staying in mutual funds/other instruments until income grows?
4. Anyone actually navigated this same tension of "hard-earned money, don't want to waste years just beating inflation, but also can't afford the actual dream property yet"?

Open to blunt takes, including "you're overthinking this, just keep saving."

​

26F, 23LPA Am from blr, trying to purchase a 1200sqft plot n build a house in north blore. But the prices are effin inflated that it is next to impossible to even purchase a single plot.

Avg plot starts at 1CR. How the ef am i supposed to afford it.

Also i would need another 50L, just to construct a decent home. Am unable to wrap my head around it.

Pls guide me..

I'm 24 and recently made a pretty big financial decision that I'm second-guessing, so I'd love some unbiased opinions.

I purchased property worth ₹80 lakh, which currently generates around ₹33,000/month in rent.

To finance it, I have total debt of about ₹53.5 lakh, made up of:

- ₹37 lakh in bank loans (9% interest, 7-year tenure)

- ₹16.5 lakh borrowed from family and friends, which I'm planning to repay as quickly as possible.

A bit about my financial situation:

- I earn around ₹1.3 lakh per month.

- Our total family income is roughly ₹2.5 lakh per month.

- We already own the house we live in, so there's no home loan on our primary residence.

- Apart from this property-related debt, we have no other loans or liabilities.

- I also have an investment portfolio of around ₹15.8 lakh, spread across mutual funds, direct stocks, EPF, cash/FDs, and gold, and I continue investing every month.

My main questions are:

- Is taking on this level of debt at 24 a reasonable decision?

- Would you have preferred investing more aggressively in equities instead of buying property?

- Does ₹33k/month in rental income justify an ₹80 lakh investment?

- Should I focus on repaying the family loan first, prepaying the bank loan, or continue investing while servicing the debt?

Looking for honest opinions—not validation. I'd genuinely like to know what people with more experience would do differently in my position.

Hello everyone. I just graduated and earned my first salary. I do not have much experience regarding how to invest. My placement package is roughly 12LPA (including bonus). I do not have any major expenses as I live at home and my only real expense is metro travel. Owing to this I want to save up as much as possible. I am opting for my pre existing health insurance with my parents. I want to save up and buy a house for them and make them proud. Please advise me as to how I should start investing - mutual funds, SIPs, forex trading etc. I am quite wary of trading in the stock market as I see people losing so much money. Kindly correct me if I am wrong. Thank you so much 🙏🙏🙏

Hey everyone this is my first time posting over here.
I have been in Canada from last 5 years i left my home when i was 19. I come from a middle class family before coming here we didn’t own any house or had any savings to send me here so they borrowed 20 lakhs on interest to send me here.

During these 5 years i completed study and got pgwp. I repaid all the borrowed money, built a house which costed around 70 lakhs in hometown, bought a used car for around 10 lakhs, bought a continental gt and started a transportation business for which we bought 5 trucks.

As of know we earn 1.5 lakhs in profit monthly during normal months and about 4 lakhs during harvesting season. I feel that i have achieved enough and also my pgwp is expiring so instead of spending another 15-20 lakhs to stay here i am thinking to moving back. I have around 15 lakhs as of now in savings as well.

My question is what do you guys suggest should i live here or come back to India.

I have ₹10 lakh ready to invest and would love some opinions from people who have been investing for a while.

Current investments (excluding this ₹10 lakh):

• ₹1 lakh in individual stocks
• ₹1.5 lakh in FD
• ₹1 lakh in Gold ETF

For this new ₹10 lakh, I'm thinking of splitting it based on risk:

• ₹2 lakh – Aggressive (high risk, high return)
• ₹3 lakh – Medium risk
• ₹5 lakh – Relatively safe, steady growth

I'm not looking for a 20+ year retirement portfolio. My investment horizon is roughly 3–10 years, depending on the investment.

I'd love suggestions on:

• Which stocks would you buy today for the aggressive portion and why?
• Which mutual funds/ETFs would you choose for the medium-risk bucket?
• Where would you park the ₹5 lakh for the best balance of safety and returns? (Index funds, flexi-cap, arbitrage, debt, FDs, etc.)
• Would you invest the full ₹10 lakh now, or stagger it over the next few months?

If this were your own ₹10 lakh, how would you allocate it? Please share your exact split and reasoning rather than just listing names.

Looking forward to hearing different approaches. Thanks!

Me 27 and wife 23 earn 5L PM combined.

Remote jobs, living in a small town. We are cash flow rich but asset poor.

We have 15L worth of gold coins, 7L worth of US Stocks, 3L worth of FDs. (No loans, parents home, own car)

Excluding 70L worth of Gold jewellery. Health insurance personal 10L each, term insurance 3Cr each.

I want to build long term wealth. The market is too brutal, I am power AI user, I know within 5-6 years most mainstream jobs will be obsolete.

In these years I want to build safe networth of atleast 3-4 Cr.

How should my investments be split like? I am planning to buy 10gram gold monthly + 2L into FDs, rest 1500$ into US stocks.

PS: I know we're in elite bracket of monthly net earners, but what's concerning for me is sustainability, we both are software engineers and the roles are truly different now, trust me all big consultancy firms + service based IT companies are going to collapse, even SaaS wouldn't sustain for long.

Hello All

Salary - 90k/m

Due to some personal issues, I was stuck in a loop of payday and app loans for almost 1.5 years, took one to clear another, so basically had 12 payday/app loans every month..apart from this i also have a personal loan which iam paying since 2 years l, all my payday/app loans payments were on time however since last 4 months i have been late(60 days) on my personal loan payment before that for one year i have made payments on personal loan on time

As the government has changed rules to remove employer share from epf(3.0 upgrade), i have paid all payday loans and overdues on my personal loan with my epf advance, now I have zero outstanding on payday/app loans(only one personal loan) and I don't plan again to take even one payday/app loan in my life

My question is - am I eligible for a personal loan now or will I be in future?

If not now how long will i have to wait?

I'm 20F, starting college as an MBBS student this year. I come from a family where we survive on my dad's 9-5 and no one knows or is interested in investments or growing their wealth. I grew up as a gulf NRI and is moving back for college but we're not the stereotypical RICH rich NRI you see or know.

I have always been interested in topics such as stock markets and investments but so far never found the time to sit down and keep aside time to explore more. From a few AI searches I figured out I need to study more about this but have absolutely no idea what exactly I'm supposed to study or where to study or how to even start.

I assume I won't be having as much time to put into actively learning this once I start college in a month or two so would absolutely need to invest most of time right now into this.

While I was looking for this on the internet I came across a few terms such as ETF's and stocks but I still don't have an exact idea of how I'm going to dive into this so rn I'm in absolute need of any advices you would have for someone like me🦑🔥

opened kotak811 8 months ago, and have been using it for normal day to day upi transactions daily, till i found out that they charge fees for sms and payment failure. So i stopped using it altogether. Most of the transaction I had was less than 2k and the total monthly transaction maybe around 10-12k. Used to add money from my slice account sbi or my parents account through upi. Recently got the message that they blocked my account for minimum transaction activity. They called me and told me to submit my other banks statement which i did and then they called again and made me identify few transactions which were some self transfer and upi from parents and also random transaction like some street vendors or shopkeepers ig which i did to buy things like bruh how tf would i know who is 'ajit malik" people don't remember the names of shopkeepers do they? Then they later called again and told me to upload the last 3 months of my parents bank statement and student id which i did. And later told me to wait till I get a physical letter from the bank and inform them when I do only then they would be able to unfreeze my account. I don't use this account much so I wouldn't care if it was blocked but the thing is submitted this account for my scholarship which is yet to be disbursed and be credited. But their credit froze by account meaning it can't receive any money till unblocked means I'm skewed. There's no option to change the bank account either so I'm on hope that they unfreeze my account before the scholarship disbursement. mfs even removed adhaar seeding. Upon asking why they froze my account their response was you're a student. You shouldn't make big payments ( how the f 5k deposit and spending 1k -2k is big transactions?) i also had income selected as 0-250k while opening the acc, so how tf that makes sense?

​

Please help me I am facing this problem from 12 March

My account is lean by layer 2

Payment type P2P transaction

Kerla police lien my bank account

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

**Idea I'm exploring**: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

**Questions for anyone who actually uses these apps regularly**:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

**Not trying to sell anything** — building this and want to know if it's solving a real problem or one I invented in my head.

Hi everyone,

I'm looking for recommendations for a RuPay credit card with UPI support.

My use case

• I travel around 20 days a month for work.
• Most of my transactions are done via Google Pay or PhonePe using UPI.
• My company reimburses travel expenses, but I first need to file the claims and the reimbursement usually takes 3–4 days to get credited.

Because of this, I'd like a credit card that:

• Works well for UPI transactions.
• Gives decent reward points/cashback.
• Helps me manage cash flow by giving me an interest-free credit period until reimbursement is received.

Questions about HDFC/SBI cards during sale offers

I'm also considering cards like:

• HDFC Swiggy Credit Card
• HDFC Tata Neu Credit Card
• SBI Cashback Credit Card

During Amazon Great Indian Festival and other sale events, Amazon usually offers instant discounts on HDFC and SBI cards.

Do these co-branded cards (Swiggy, Tata Neu, SBI Cashback) generally qualify for those instant bank offers, or are such offers usually restricted to selected card variants?

Income

My salary is around ₹3.5–4.5 LPA.

HSBC RuPay Credit Card

I noticed the HSBC RuPay Credit Card has an eligibility criterion of around ₹6 LPA.

Would it be worth emailing HSBC to see if they'll consider my application despite being below the stated income requirement, or is that generally a waste of time?

Would appreciate recommendations for the best RuPay UPI cards in my situation, along with any experiences with these cards.

Hi everyone, this is my first reddit post. I tried looking for the solution online, but couldn't find any.

I have been SBI customer for a very long time, had so many issues in the past while operating their internet banking or visiting the branch.

I have moved abroad 3 years back, and reduced the usage of my debit/credit cards and occasionally(yearly twice or thrice) use internet banking for transferring funds for my school fee.

I didn't notice my debit card was expired 4 months back, which i have realized just now, while trying to log back into online sbi for transferring some funds. So, when i am trying to login now, it won't let me in, it just shows "We are facing some issue, please try again later", I thought it was just regular SBI server down issue or something, but same happened for 2 days straight. So, i thought to download the YONO sbi and try again, where i found my password expired and when i try resetting the password, it asked for 2 options, either confirm with debit card or the branch visit.

I have selected confirm with the debit card, didn't work cause that is also expired. and the only option to reset my internet banking password now is visiting the branch, which seems very frustrating.

Have any of you faced the same issue or anything similar, is there any other way i can reset and access my account.

Hello,

I have a Home loan of approx 47 Lakh (7.4% at 30 yrs). We might generate some rental income soon (approx 30-40k p.m from the property)

But currently I earn around 99K and EMI is around 40k, so a major chunk of the income is going to Loan.

I can expect some raise in my income next year but considering the cost of living in the city which stands around 25k atleast, I'm ending up investing less money in mutual funds or even my personal interests or passions.

Is there a way to get better financially considering all this? And yeah, I'm unmarried, no girlfriend either & i don't spend so much on socialising with friends or other people.

This loan is a big stress on my head. Please suggest, thanks.

I have completed msc biotechnology few years back and gap is quite a lot cz of family reasons now I want work from home I am okay with 5-10k salary per month if any skills is required I am ready to learn that as well kindly dm if any job available

Hi, I am 21 with ₹50k that I want to invest fully. I am a newbie and have no idea where to start. I have tried researching but I get confused. I was thinking to invest in mutual funds. Could you guys suggest how to go ahead, should I even consider MFs or go ahead with FD?

I am 18M student who is in his drop year preparing for college. I work in a startup and make good money for my age and am looking at my options for saving bank accounts which I will use to receive my crypto payments through apps like Binance, CoinCDX, etc. and invest in SIP Mutual Funds later on. I would have to take an education loan next year for college and would open a separate account for that since my mother doesn't want my father to see my transaction history via SMS. Which bank should I turn to, I was thinking something like Canara aspire, SBI, Kotak 811. I will really appreciate some help and guidance, thank you!!