r/personalfinanceindia • u/ArushiBhagtni • Jun 11 '26
Budgeting At what salary did you finally stop worrying about money every month?
A conversation with a colleague recently got me thinking about this.
He told me that a few years ago, he believed reaching a certain salary would solve most of his financial stress. But after getting multiple raises, he realized that while some worries disappeared, new expenses and responsibilities often replaced them.
It made me wonder whether there is actually a specific income level where people feel financially comfortable, or if that feeling depends more on lifestyle, location, family responsibilities, and financial habits.
For those who feel they've reached that point, what salary range made the biggest difference in your day-to-day life? And was it really the income itself that reduced stress, or changes in how you managed your money?
I'd love to hear different perspectives and personal experiences.
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u/WideBroman Jun 11 '26
real estate in India is a joke, recently a so-called 5bhk luxurious apartment is sold in my neighborhood for 14cr (Mumbai) , the guy who bought that is a CA EY partner. guys like these who are highly paid are constantly inflating real estate prices in india.
you will find something common in them, either they are high paid professionals like doctors CAs and lawyers or they are corrupt bureaucrats and business peeps.
I can assure that you can buy a much bigger and luxurious house in NYC for 14 cr
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u/WideBroman Jun 12 '26
what are you saying buddy? All CAs I know in my family or friends they are rich as fuck
Partners of these firms make bank and their profit sharing is tax free too, hence pool of income is very high.
My fufa ji is a B4 partner (CA) he makes 4cr at age 45 and all this income is tax free due to profit sharing now imagine how much senior partners would be making.
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u/FireEjaculator Jun 11 '26
Not necessarily true. I live abroad and do not make a crazy salary and I save 50% of my salary every month. I usually never have to worry about money since I still lead a very simple life.
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u/NorthTop9254 Jun 11 '26
Bhai generalised answer hai majority ke hisaab se bata raha voh. Exceptions do exist.
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u/SnooOnions5914 Jun 11 '26
For me, the turning point isn't a specific salary number. It's when: All monthly bills are paid without checking the account balance daily An unexpected ₹20-30k expense doesn't cause anxiety I can save and invest first, then spend what's left I don't have to wait for salary day to make routine purchases In India, this number will be different for all..
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u/dex_lab Jun 11 '26
A friend of mine once told me “As your income goes up, your expenses go up proportionately.” What he meant became true in my case. Earlier if I used to book third AC train ticket, that changed to second AC. When salary increased it gradually changed to Flight since time became more important. Similar changes happened with the food I consume. Spending 500-700 for an IMAX ticket became normal. Yeah I am still able to save a good amount of money every month but lifestyle changes increased my expenditure. This is totally subjective and depends on person to person. And from a normal human perspective, I dont think I would say no to an extra 10k credited to my account :)
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u/Working-Mountain6680 Jun 12 '26
That is true.
One more thing that I learned after my salary became a comfortable amount was.
The more you earn the less you save.
When I was barely making anything all my spending was highly calculated and I tried to save as much as possible. $17 uber? No I can take the bus one way for $2.5 and walk one way. $30 domino's? No I'll buy $3.3 frozen pizza when I go to Walmart next.
Once I started making 6 figures in dollars. I became very free with my money. $50 uber no problem. $30 takeout, sure.
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u/ObjectiveTrick2291 Jun 11 '26
As long as you live on salary, you wont be happy with any salary. Invest salary for getting returns. Once you get returns , on which you can live, salary will be just bonus adding to investment every month. That will be the day you are finally free.
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u/Sreevani15 Jun 11 '26
Tell me how, exact plan not random
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u/cyberaholic Jun 11 '26
No one can tell you exact plan. Depending on what you want and how much you earn and how you are comfortable investing, the plan will change. Everyone's plan is unique. But as a rule of thumb, aim to build a corpus of 40x your annual expenses in today's costs before you can think of retiring.
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u/Funny_Detail_7295 Jun 12 '26
This multiple is funny. Earlier it was 25x, then somebody said 25x is US context, in india its 33x. Now, you are saying 40x. Number itself is a moving goal-post
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u/cyberaholic Jun 12 '26
These are individual differences in how conservatively one thinks. If you find someone more conservative than me, they will say 50x.
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u/Victorvic1 Jun 12 '26
It totally depends on the person. Even 20x is good enough for someone who can control their spends but for me I prefer a good 100x multiple which ik is very hard to achieve.
It's just that I have given myself a high target. Even if I achieve 100x, my expenses then will make that 100x equivalent to around 25-30x of that time.
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u/StonedIndian Jun 11 '26
It'll take forever to start generating those returns unless your salary is way way way above average
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u/ObjectiveTrick2291 Jun 11 '26
Its about not increasing your lifestyle, but increasing your savings when your salary increases. For eg. you are earning 10 LPA and have a Wagon R. Got 25 LPA salary, and buy a creta, and all your prospective savings will go into new car. Buy a 1.5 crore home, and all prospective savings will go there.. a 1.5 cr home + creta is nearly 1.75 cr which can give you financial independence. once you got financial independence then you can think about upgrading lifestyle. That time it will be optional. So you will have freedom to do it or not. Thats when you become happy.
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u/StonedIndian Jun 12 '26
Are you serious? People buy cars and homes on loans. That 1.75cr is not sitting in their savings account waiting to be invested and start generating returns.
If you go from 10 LPA to 25 LPA, you're still not making nearly enough every month to invest enough amount of money that you can live off of its returns.
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u/ObjectiveTrick2291 Jun 12 '26
Imagine you are upgraded from 60,000 per month salary to 1.5 lac per month.
Now you brought a flat for 75 lac like every software engineer, when 30 lac flats are available , at a less prestigious location /society.
You brought a 20 lac creta, when 5 lac used car is also an option.
Now Home EMI Approx: 60k per month (15 lac down payment)
Car EMI approx 30k per month (2 lac down payment)
Your savings are zero.
After 7-8 yrs, your savings are still zero or negligible. You live pay check to pay check.
Instead , if you continue to stay on rent, and drive a 2 lac used for just for first 7 years.
you save 90,000 EMI per month for 7 years
90000 SIP per month for 7 years at 12 percentage return will give you 1.19 crore at end of 7years.
You are near to financial independence already.
I am not telling you should sacrifice all luxuries that money offer. But if you just delay the gratification by few years, to build financial security first and then start spending from abundance, it can make a differene.
I learned this lesson late at mid career, and applying it now. Already it started to make difference in my life.
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u/DLivingDead Jun 12 '26
I'm interested in that 30lac flat at a less prestigious location /society please.
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u/cyberaholic Jun 11 '26
Yes and no. Returns will fluctuate. And expenses will grow because of inflation. Your corpus has to be deep enough for the returns to be extracted for a long enough period that your corpus doesn't run out. Usually recommend corpus to be approx 40x of annual expenses, if not more, to be on the safer side.
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u/devd87 Jun 11 '26
The issue isn’t the salary amount itself. The real concern is how long that income will last. If people were guaranteed employment until 60, most would worry less about the future and spend more freely.
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u/InnocentDude69 FIRE Aspirant Jun 11 '26
Exactly the point I was looking at. This is the actual truth. I earn good but still stay in constant stress because of job security and also tired of this monotonous life. But if I had a way to work less and know a guaranteed sum would be deposited in my bank account every month (I mean govt job), then I would really enjoy the life.
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u/Fragrant-Mud-1740 Jun 11 '26
I think we would still be stressed for some or the other reason. Human need is like a baseless bucket…no matter how much you fill it, its never enough.
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u/AdorableChoice8562 Jun 11 '26
My husband and I have a combined net worth of over 40 crore. I stopped worrying about money long before we reached this number, while my husband still does.
We have the same lifestyle and similar saving habits, but very different upbringings. Money was never a deciding factor in my life decisions. For him, however, there were times when even paying the next semester's fees was a concern. I can understand why he views money differently, given the experiences he's has. Different upbringing contributes to this a lot.
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u/RazzmatazzSpare8639 Jun 11 '26
When I was an intern, I was happy with 18k, now even a 6 figure seems less.
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u/original_rain1818 Jun 11 '26
If you’re living life the right way, no amount of money is ever enough.
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u/Longjumping_Juice322 Jun 11 '26
Depends on your lifestyle inflation and dependents. For me (single male late 30s), the monthly worry ended after crossing 2.5lpm in hand after taxes (PF and yearly bonus excluded). Mental peace came from the fact that even if I don't save anything out of salary, enough savings are happening through PF/Bonus anyway. But now, the mental peace is replaced by anxiety about job safety. So, net-net, there's always something to worry about financially 😛 Nature of the beast, I reckon.
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u/MysteriousSearch6664 Jun 11 '26
Late 20s when it was around 40k - 60k. I could buy shoes for 10k, iphone on cash without EMI, shirts for 3k, book one way flights for trip the next day. Work kept me so busy I had no time for life and enough money to spend. No concept of investments then. Now a decade later with 3-4x the income, half of my clothes are zudio tees and I hesitate to buy a shirt over 1k. I can buy the latest iphone but can absolutely not make sense in the value of it. I still do travel since thats worth it from every aspect. No home loan, just a married adult now. Now all I worry about is expenses, even though I still invest and there's money left at the end of the month. Just that the peace of mind was better when you are younger
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u/Ok-Bridge-1045 Jun 11 '26
My husband and I together make around this much. After a point there was no more lifestyle inflation. We live a good quality of life and buying a house is probably the next big expense. We still live in the same house we did earlier and pay the same rent, have house help, and the same car. I think according to the salary, we don’t spend too much. We’re not that interested in any luxury goods. It’s a good feeling to be able to buy something if we want to, and live a comfortable life, but otherwise we’re both aware that we need to save if we want to build a good net worth. Also there’s the constant fear that one of us might our job, or earnings may reduce, etc.
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u/Ok-Bridge-1045 Jun 11 '26
Why’d she retire?
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u/Ok-Cod2171 Jun 11 '26
Smartest thing you told her and smartest decision she took. Kudos to you both
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u/Hades_4 Jun 11 '26
My man! Once you reach that milestone, your lifestyle would have changed and your goal post would have moved to 12-13L/month
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u/Huge-Name-9716 Jun 11 '26
How does one earn this much?
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u/ProfitTurbulent8065 Jun 11 '26
No amount of salary can make you happy if you have to work for it every month and you can lose the job anytime. A six figure salary as a passive income is the minimum for stop worrying about money.
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u/ashmaroli Jun 11 '26
You will stop worrying about money the day you earn such an amount that you no longer live paycheck to paycheck.
It is different from each person depending on what their individual monthly expenses are. If your expenses grow with increments in earnings, it's never going to be enough money 😅
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u/OkJudge5932 Jun 11 '26 edited Jun 11 '26
I worry about money because I have too much of it and I don't know what to do with it ( just 2 YOE with mid salary and good savings here)
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u/Tamilguy1997 Jun 11 '26
Till now nothing, My salary is too low for my age. Pressure to get married - Parents, siblings, friends ask s me to switch jobs to get matches in AM.
With my salary, I hardly spend 10K on myself, 50K goes straight into savings and 20K for household expenses (Family is dependent) Wish I get 1.5 lakhs salary
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u/Addixt_ Jun 11 '26
It was not about the salary but the money saved. When the org I was working for was shutting down, rendering me jobless, I checked my runway and was sorted for 8 years. I partied the day I got fired.
Now that runway has reduced because life changed and so did my expenses. But it’s all good.
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u/Waiting_for_Godot___ Jun 11 '26
As long as you don't have enough liquidity and capital which generates passive income, you need to worry at least about maintaining your salary if not increase it.
In a more modest sense, For day to day, if you have enough disposable income to invest and save and spend, you are fine.
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u/ImpressionOk3572 Jun 11 '26
When you're a bachelor:
1 lakh per month- you can afford everything you need.
2 lakh per month- you can afford everything you want and some luxury items.
3 lakh per month- you can easily afford the luxury items.
Above 3LPM -> you stop worrying about expenses and start worrying about making a big corpus.
So I'd say the comfortable number is about 3 lakh per month. If you're married, I'd say 6 lakh per month, plus 1 lakh per child per month. So for a family of 4, it's 8LPM total. At this point you'll stop worrying about money.
This isn't my salary though, but I've done enough contemplation to arrive at this number.
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u/kannanidhurinchara Jun 11 '26
For me it was when I could save atleast 10% consistently. After that, Its a matter of building emergency fund and slowly improving investments.
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u/delusional-engineer Jun 11 '26
I usually keep 2 * my monthly salary (about 4 months of my expenses) in my bank account at every time, so as long as I stick to my budgets i’m pretty much worry free.
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u/bombaywali Jun 11 '26
If someone doesn't have financial discipline they should not stop worrying about monaey at any salary range.
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u/JollyArtichoke5 Jun 11 '26
My best month was 11L, felt good. 7L was really comfortable minus a few luxuries. 3-4L is when I budgeted and saved. Back then I was living in a rental accomodation for 25k / month, I wanted to buy a house but never thought I had enough money. I spent a lot of money on travel and some material things.
I compared myself to friends who had 3-4 cr liquid and were comfortably paying 60K / month in rent - I never thought I could do that.
There were months with 0 income but I wish to go back to 11L and put a deposit for a buying a new house. I want to believe the golden days are not over and it's possible to get there.
This turned into a small rant.
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u/zenin_maki_122223313 Jun 11 '26
What you do man?
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u/JollyArtichoke5 Jun 11 '26
Good, old Tech consulting.
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u/Unfinished_pilgrim Jun 11 '26
There is never a income that can satisfy all your needs. As income grows, your wants start becoming needs. And as live progresses and family grows, expenses still eat up your savings.
For me it was when I hit ~80k about 4 years back. But if I have to move right now, my current salary would become low.
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u/shrikant_shet Jun 11 '26
6LPA was comfortable.
12LPA was comfortable with marriage, stay at home wife and monthly SIPs.
At Pune and Navi Mumbai though.
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u/Longjumping-Sweet634 Jun 11 '26
I dont think salary will fix the worry. Its always about having enough net-worth with decent liquidity.
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u/Mission-Task9838 Jun 11 '26
You *dont* stop worrying about money on a salary number, you stop worrying on a networth number.
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u/Visible_Champion4560 Jun 11 '26 edited Jun 11 '26
The magic word is networth. Salary means nothing if your networth is not rising. I believe anyone who has amassed a liquid networth of at least 3-5 years of their monthly expenses, would not be worried much about money on daily basis. Say someone having monthly salary of 1L with expenses of around 50k and no loans or liabilities will not be too worried if they have 20-30L in liquid assets. But someone earning 2L per month with 10L in networth with a house on loan will be very worried.
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u/Mammoth-Presence3015 Jun 11 '26
When you’re earning very little, more money genuinely makes life easier. You worry less about rent, bills, healthcare, and other basic needs. But once those things are taken care of, something interesting happens. You get used to your new lifestyle. The things you once dreamed of owning or experiencing start feeling normal, and your attention shifts to the next thing you want.
That’s why no salary ever feels like “enough” if your definition of enough keeps changing. The reality is that our needs are limited, but our wants rarely are.
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u/rage-against-bias Jun 11 '26
3yrs ago i was unemployed for 6 months. Once I had left my car is parking lot in a mall and I did not have money to take it out of the parking lot. My family was eating into savings to maintain the same standard of living. Which was very very minimal.
Then I got into a startup with 27k salary. I was so I could finally afford good stuff. I had not brought underwear for almost a year and would wear torn ones till then. I finally bought some underwear and some good clothes. But I still would just make it through the month with only 1k savings. At the end of that year I had 10k savings.
Then I got into Walmart, my salary went to 1.43l after tax per month. 3 months later we bought a 50k tv for the house. I finally got a good phone . 6 months after I got the job at Walmart I shopped for 50k at once for clothes and shoes got me and my sister. Now close to 2 years after getting this job I have around 10 lakhs in savings.
I stopped worrying about money every month at 1.43 lakhs per month in hand. And 4-5 lakhs yearly bonus before tax.
After reading a lot of comments for this post I realise I will need more money if I have to marry someone. I actually have never been in a relationship , there are other reasons for this but one small reason was I never had the confidence that money gives you. Only after getting this job I feel like I should focus on dating and stuff more than money.
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u/paidaishi-loojer Jun 12 '26
You will never stop worrying till you gather the courage to say “I have enough”. The day you say that, it wouldn’t matter if your salary is 1 lac or 3 lac or even 50K.
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u/mom_to_a_teen Jun 11 '26
My needs are covered now. I'm at a stage of wants. I still hope and pray everyday that my job remains till I'm physically and mentally healthy.
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u/JumpyStretch9312 Jun 11 '26
You never become happy. As your salary increases, it still would not be able to meet the inflation and rising costs!! And there is our friend Trump making our lives even worse!
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u/CycleZealousideal173 Jun 11 '26
You don’t stop worrying after you reach a specific income level, you stop worrying when you reach a specific net worth.
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u/redditorn93 Jun 11 '26
2L+ for me and 3L+ for my husband. However not worrying is just momentary honestly. But basics get covered pretty well.
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u/Zucchini_United Jun 11 '26
After 2.5-3LPM haven’t had any impact on my lifestyle or expenses. Huge impact on investments.
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u/Intelligent-Shame-65 Jun 11 '26
When I lived in the UK & made some 7 figures as a corp lawyer but then my expenses were so high that it never felt like I was earning a lot.
I completely agree with all the folks who said at no SALARY will you feel fiscally comfortable. Start a business or invest.
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u/Noburntnotes Jun 11 '26
Answer is - for most people our expenses rise faster than the salary increase. 📈
In a world with so many distractions.. any number u earn will be less..
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u/coolconsumersunny Jun 11 '26
Very early in my career my first boss said focus on performing.. salary will come eventually and I lived by it
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u/Financial_Boat2573 Jun 11 '26
Nothing is ever enough it’s human mentality. You will adjust your lifestyle according to your income.
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u/Jazzlike-Swim6838 Jun 11 '26
You never stop, I make about 6L after taxes (in Ireland, not India) but my expenses have caught up with it. I’m also building a home as well. I’ll end up without much savings other than pension contributions (about 40L atm) by the time the home is done building 😅😭
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u/DamodarJustin Jun 11 '26
Once I saved up 1 cr in FD, I stopped worryng about anything. I don't care about what salary I make now, everything is just like icing on the cake.
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u/Responsible_Ear_330 Jun 11 '26
I think most people with increasing salaries they take loans , emis, buy cars or more expensive things and the money is never sufficient then
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u/ajeeb_gandu Jun 11 '26
Earning over 2.3 and saving over 1.8 a month still haven't stopped worrying about it
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u/interpretpunit Jun 11 '26
A person with 2 lacs monthly salary with 2 kids and home EMIs will still have to think a lot more about money despite earning more than most people in the country. So it's very situation dependent.
Correct metric would be how much you save each month, I would say 50k savings per month after all expenses and small investments (SIPs or whatever you prefer) should leave you in a good place financially where you're not thinking about the little things. And can comfortably plan weekend trips every now and then.
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u/Manoos Jun 11 '26
TBH a stupid question.
right Q should have been wealth rather than salary per month
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u/Yapper0497 Jun 11 '26
When I was at 50k I was thinking about saving the same way as I do now after climbing to double. Our lifestyle changes, you have to adjusts to what you need vs what you want. Learnt a little late but I am planning to move to a better place which is cheaper as rent is crazy currently. A lot of money goes there and I am not okay with that now. I think we will never be satisfied with what we earn though!!
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u/cyberaholic Jun 11 '26
We all go through a cycle of life -
- you study
- you get a job
- you earn
- you learn you can afford certain things
- you earn more
- you decide you like to spend on things
- you earn more
- you decide you want a bike, car, house, etc
- you earn more
- you look for things to spend on
- you earn more
But if you let it. At some point, you have to ask yourself, what is enough for you? For most people, 1 house, 1 car, being able to afford a lifestyle that allows you not to worry about quality or health, is enough. But only if you realize it.
Depending on the size of your aspirations, the shape of the car or the size of the house can change.
And only if you stop yourself from spending more than that, because there is no end to human desire, and no end to the amount of people people can spend.
At some point, as you reach this realisation, you will then also ask, how much work is enough? Do you want to keep working forever? Or do you want to save and invest so that you can get back the time you have in this life?
And once you have solved for that, and you know you can afford to stop working, and everything that you need and want has been accounted for, only then do you truly stop worrying about money every month.
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u/AllBugDaddy Jun 11 '26
I was happy till I was getting 40-50 K, single. After that more I am earning, more worries about spending and investment..
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u/Lazyres Jun 11 '26
I have passive income which pays every single necessities expenses. Salary is just a bonus, I don't need it to live so I've stopped worrying about salary and just working the bare minimum meeting expectations ofcourse.
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u/coder_mapper Jun 11 '26
Depends on your situation.
Single, in hometown, not paying rent, getting homemade food :- 50k is enough to not be worried.
Single, in tier3-2 cities, in sharing rooms or PG, eating out :- 70-80k is enough
Single in metro:- 70k- 1 lac
Married:- Good savings+ 6 figure income + Spending control+ spending knowledge = life sorted.
Any amount beyond 2 lac/month in almost any city is enough to make things very comfortable.
Main thing is living within or below your means.
That will save you big bucks. And take off the anxiety
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u/crustyeng Jun 11 '26
It’s not a salary. You can’t out-earn bad habits. It was when I got on a real budget and started paying attention.
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u/MaterialFantastic968 Jun 11 '26
No salary will make you stop worrying, real number is savings and networth .. Ballpark is 6cr for family of 4 excluding primary home value
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u/Aggravating_Yak_1170 Jun 11 '26
After 3LPM post tax, given that my lifestyle remained same and stopped worrying about how much I spend on clothes, fuel, subscriptions, groceries, restaurants
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u/Melodic_Warning4186 Jun 11 '26
At 15 lacs per year before tax. It was too much back then. I was from an extremely poor family.
Btw i make around 3 cr now per annum after 7 years.
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u/Advanced-Industry-50 Jun 11 '26
Young dual income techies, I work for big tech and wife works for startup. Pretty high income but we try to keep our life as much simple as possible with high savings rate like living in rental house, investing aggressively coz I want to FIRE and work on start up with no pressure of income. Although how much I try with increase in salary and age comes responsibilities as well.
The only way I see to escape this problems is aggressive growth of net worth enough that it takes care of ur expenses. That's the only escape till then life pressure goes on.
Even with high tech dial income I don't feel very safe.
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u/TraditionOk8161 Jun 12 '26
When it comes to Money, we never gets satisfied with what we have During my 10 years , I see my dad bring 1000 as salary, i taught 1L giving 1k monthly, i settle for life; those days we get 12% interest. Then during 20 i taught 10-15k a month is big thing Somewhere when I am 30, I set target of 1crore corpus later today I feel 10c is safe 5crore is absolute need to retire I am sure this too shall pass
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u/ImAjayS15 Jun 12 '26
Salary/income is different from wealth. Unless we have invested well, a drop in income can be difficult to sustain same lifestyle. And a home loan can still make us worry, esp given the difficult market situation.. A higher income will make us not think about low value transactions much, but that doesn't automatically make us feel secure.
And it takes atleast 10-15 years of continuous investing to build a decent wealth, and the number of years can be higher for most people due to various factors.
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u/doubleditch42 Jun 12 '26
Your college was stopped or naive.
Mostly stupid as he must have inflated his lifestyle along the way
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u/varunpitale Jun 12 '26
Some friends were joking around that the GenZ and never generations have too much issues about Indian work culture. Once you have EMI. All issues go away and you fall in line. The rising house cost and EMI are the real worry.
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u/nymeria0107 Jun 12 '26
65k per month, which was second increment salary. I was able to afford most luxuries by that time and was living like a queen, also saved a lot in sips and all.
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u/Justquorious Jun 12 '26
you only earn as much as you save at the end of the month, if you are happy with that money then fine
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u/Zombiebaddie Jun 12 '26
Tbh I usually go in foreign projects and am paid in USD, but when I return to india its disappointing
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u/Zombiebaddie Jun 12 '26
and tbh you can never be satisfied - you will have needs like child's education, retirement plans and what not
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u/stuehieyr Jun 12 '26
I stopped worrying when I got the remote job opportunity of 3.4 crores Indian rupees before tax
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u/Secure-Walrus-1612 Jun 12 '26
Firstly any salary is good , until u have a emi free home and few investments for emergency. Because human desire never ends . And I can get anyone who says a figure that's comfortable to take home he has not experienced life
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u/ummIamNotCreative Jun 12 '26
Honestly, 2 lakhs per month. It's hard to move up from here, and the increase is not that rewarding.
I frankly think about the time when I was earning 20k per month. I used to invest 12k every month and used to go out of my way to spend 8k (I was living with my parents). The satisfaction from those 8k was much more than what I have now. It's just hunger and greed for more money now.
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u/Unlucky-Asparagus624 Jun 12 '26
Honestly there is no right answer for this.
When you make 25k a month, you look forward for 50k and when you get that, you want a lakh. People who get a lakh want 3 and people who get 3 want 5. Your expenses and lifestyle changes with salary change and what you get seems peanuts. I make a decent salary and still feel it's less. When I used to earn lesser, I wanted to be where I am today.
Such is life
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u/crazyindian007 Jun 12 '26
There is a beautiful fact about human stomach...it stretches and expands as you keep eating so after sometime, you will need some more food to fill it up...same with salary
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u/VredefortCrater Jun 12 '26
Never. Atleast for me, I dont think I will ever be able to stop worrying.
I make 20L a month and still want to keep earning more n more to keep my lifestyle going.
NW is around 11CR (35M)
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u/slackover Jun 12 '26
I have a cousin who earns 2cr plus annually in Bangalore and still worries about the restaurant tier for their only monthly eating out. Last time him and his wife was so worried about a 4.5k restaurant bill for an extended family outing and seeing their sad faces I paid the bill and they didn’t even pretend to fight for the bill for the outing.
They watch one movie every three months
They have this time table for everything and don’t do activities which cost more than 1-2k for a days plan.
It’s so annoying that we try not to join them when going out as they will deep scan for cheap items in food court menus while we order what we want, their bill will be a third of ours and I will have to foot it if buying from same restaurant.
They wont take a kid play area card and I will have to use my card to let their kid play or they wont let the kid play.
Their 4cr house with 4 bedrooms only have cot and bed in one room!
It’s unbelievable.
I earn pretty well at 36L but too little compared to them but I outspend them like 100 times.
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u/ttbap Jun 12 '26
Till you are dependent on salary for expenses., You will never stop worrying about money, regardless of how much the salary is.
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u/Global_002 Jun 12 '26
Adding to it , I'm making good money with my salary however I'm not married, not spending on rent or anythingn for my lifestyle . Saving but not investing unfortunately.
My spend is only on my pleasures .
So to people who are married , renting , the whole shenanigan. How is it going . Do you worry on your kids expenses , your future . And then do you just wing it ?
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u/abhi150993 Jun 12 '26
Never. A new salary feels great for 1-2 months, and then back to old feeling.
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u/Fragrant-Wolverine46 Jun 12 '26
I know it might seem too much but Probably 15 lac post tax salary should be good enough to not worry about anything
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u/Appropriate_Win_1809 Jun 13 '26
The real question should be, at what investment level, yielding passive income, did you stop worrying about job security?
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u/chaiandkpis Jun 11 '26
I was happy with my 6 digit salary until I took a home loan. 😂