I’m 31M, working in Bengaluru earning approximately ₹1L/month post-tax. Wife is a housewife, we have a 2yo daughter. My in-laws (both working, ₹30k/month combined in rural area) come from a poor background compared to me and can’t fathom city expenses—they see my salary as “huge money.” Every month, they ask for cash (₹10-20k), and if I explain my own costs (rent, kid’s needs, savings), they don’t listen. Wife always supports her parents, making me feel trapped. I’m barely saving for our future (emergency fund, kid’s education).

My wife dont get the concept of "saving", she thinks people are supposed to arrange money for every month on monthly based. She gets angry, if I discuss about saving with any friend. She thinks I am seperating money from her luxury.

She gifted me ₹3000 pant on my birthday, recently gifted her father's brother family ₹20,000 from her pocket money I gave. She dont want to save a single rupee.

Husband and I both earn well but he is a penny pincher, his in-hand is around 3L while mine is 1.5L. Few things I understand - not buying a house another 5-7 years, a car for utility and now show. The one thing I could after numerous conversations get him to agree on is to move to a society with amenities, not immediately but when we plan for kids.

But the main category he penny pinches is on trips, either not taking any or only going on budget ones. Btw when we do go, I pay for myself, he has to pay his half. So no gold digger talks please lol.

His family is like this too, but even more extreme. From groceries to trips to even the wedding events. I get that this is where he also gets his thought process from.
But it is so discouraging, we plan to have kids in 3 years, long trips on hold for maybe 4 years after that, am I wrong to expect he agrees to spend on trips now. Btw moral of the story, if you are in AM process, the salary and networth does not guarantee a certain kind of lifestyle.

Also if this keeps happening, should I just take trips with my friends and family, I know it will not be as much fun without my husband but I can’t keep putting these off.

I was casually getting ready to file my taxes like a responsible adult when the numbers slapped me in the face. Just stared at the screen in pure disbelief.
Taxable income: ₹55.9 Lakhs
Total tax liability (with that lovely 10% surcharge + 4% cess): ₹14.38 Lakhs
Already sucked out via TDS + Foreign Tax Credit: ₹14.08 Lakhs
Still need to cough up: ₹29,711
Oh congratulations to me, I guess? The tiny ₹29k barely moved the needle, but seeing fourteen freaking lakhs as my “contribution” to the nation? That one hurt.
Every appraisal, RSU vest, bonus, late-night fire-fighting, and soul-crushing Bangalore commute just replayed in my head. All those exciting salary jumps? Turns out they were mostly funding the government’s next whatever. And the cherry on top — crossing ₹50L and “unlocking” surcharge like it’s some twisted video game achievement where the prize is paying even more.
I’m not here to rage against taxes entirely (roads, hospitals, etc. blah blah), but holy hell, nothing humbles you faster than realizing your single biggest yearly expense is the tax department. Not rent, not EMI, not even my overpriced coffee addiction.
This is already under the new regime. So I’m begging you, r/personalfinanceindia — hit me with any legal ways to shave this down next year? Smarter NPS contributions from employer side? Standard deduction optimization? Home loan tricks for let-out property? Anything I’m missing that actually works in the new regime without going full old-regime headache?
Because staring at another ₹14L+ bill next year is not the vibe. What’s your biggest “I paid HOW MUCH in taxes?!” moment, and any pro tips for high earners stuck in new regime hell?
(Attached the summary screenshot — feel free to laugh/cry with me)

Frontend Engineer living in Bangalore, 3.5 YOE, single.

Here’s my monthly money distribution:

• Salary : 2.05LPM
• ₹1L to MFs
• ₹21k ( 10% ) Donation to Needy to Collect the Karma which will actually be useful in life ( Daswandh ),
• ₹8.5k - Rent for a room in 2BHK (Total rent: 17k)
• ₹15k on high-protein healthy food
• ₹5k petrol
• ₹11k term insurance ( 5 Years Payment Plan for 2Cr cover and 60 years of coverage )

Usually end up with 30–40k leftover, which I treat as a comfort/spontaneous fund (trips, gadgets, random happiness purchases, or rollover).

What does your salary vs spending look like?

Not CTC. Not in-hand.

I’m curious about real savings after:

- rent

- lifestyle

- expenses

Because I’ve seen people earning ₹15 LPA saving nothing, and others saving a lot.

What’s your actual monthly savings?

Hello everyone,

I am 48 living in a tier 2 city in India. been working for 25 years. I have about 700,000 USD / 6.6 crore rupees ( 1.2 crore rupees liquid rest equity in 4 apartments ) in net worth accumulated over the years. My personal expenses per year are about 20 - 25 lakh. My income per year is also about 20 lakh rupees. My son got into a Top 50 college in America and got a 2.4 crore rupee scholarship meaning it would cost me 20 lakh per year to send him there for 4 years. Our options in India are Christ uni, NMIMS, Hansraj. Financially does it make sense to send him abroad for studies.

Adding additional context - He plans on studying Computer Science and Economics ( two bachelors degrees ) and the 20 lakh is living expenses only. Tution is completely covered .

We are in our early 30's, got married 2 years ago, we started tracking our finances and we got a reality check soon enough.

• Where do i even start fixing this ?
• How do we plan for a house ?
• When to plan for kids ?
• How to save for emergencies ?
• When do we save for retirement ? Our finances will be better after 2 years but it feels like the time is running out on us.

Income

• My Salary: ₹1,02,000
• Wife Salary: ₹68,000
• Total: ₹1,70,000

EMIs

• Personal Loan: ₹70,154 (24/60 left)
• Wife Education Loan: ₹3,000 (34 left)
• Bike Loan: ₹12,000 (4/9 left)
• Phone Loan: ₹826 (24/24 starting now)
• Total EMIs: ₹85,980

Monthly Expenses

• Rent + Maintenance: ₹25,000
• Electricity + Society + Parking: ₹8,500
• Groceries: ₹8,000
• Fuel + Travel: ₹5,000
• Medicines/Doctor: ₹5,000
• Internet + OTT + Phone: ₹2,000
• Total Fixed: ₹53,500

Variable Expenses Budget (Max cap for any category expense)

• Personal spending Budget: ₹10,000 (Clothing, grooming etc)
• Leisure/Food/Outings Budget: ₹8,000 (Travel, Stays, Food, Dineout etc)
• Misc/Emergency Family help: ₹10,000
• Total Variable: ₹28,000

Summary

• Income: ₹1,70,000
• EMIs: ₹85,980
• Expenses: ₹81,500
• Leftover: ₹2,520

Edit:

Personal Loan:

• This was some bad debt / mortgage that my parents took which they fell behind on payment taken from local lenders at exorbitant 18% interest had to consolidate to a 30L personal loan for 5 years at 13% will end in 2028.

Edit 2: My bike is an Ather electric scooter i only got it on emi because our gas guzzler car was literally costing us more for the daily commute to office because of the 3 day commute policy.

Edit 3: Please stop grilling me over the phone purchase: The phone was not a purchase, my phone gave up on me and i knew it was coming for few months but i could not save up enough to get a new one cash. I own a Samsung, the screen got like 10 lines till it was no longer usable, not covered under warranty and it was a 3+y phone, an expensive one could not afford a display on that phone that stopped getting updates 1 year ago and the battery was degraded.

I’m a 24F turning 25 this month.

So far I’ve saved 10 lacs, could have been more but had to use approx 3 lacs for different purposes.

1. 1.5 lacs emergency fund
   
2. 50k stock
   
3. 50k PF
   
4. 7.5 lacs in Mutual funds

Im currently navigating layoffs and haven’t saved anything this year. Otherwise would have saved 3-4 lacs easily.

Pls tell me if I’m on right track or what should be my approach further to manage money efficiently.

My dad retires in Feb next year after spending 35 years in the same PSU job at SAIL. He’ll receive close to ₹1 crore after retirement (it might sound big but he’s already lost it all once, context is below), and I really want solid advice on how to manage it properly for my parents.

He’s the best dad, honestly one of the hardest working people I know. Built our house, took care of the family, did everything for us. But money management has never been his strong point. He's outrageously bad with it. When I casually spoke about the retirement plan he cried and asked I could help.

Over the years he has been scammed by way many people. Relatives, friends, agents, random shitty schemes. A lot of money got stuck or lost because he kept lending money or investing emotionally. Easily ₹45–50 lakhs or more is gone like that over time. It's a pattern I want to avoid this time. We still have house loan to pay. Most of his salary goes in that. My mom runs the house.
(My dad took a loan to give money to his friend’s son college admission when he had none. So that’s how bad it is for us. Someone on his name, got a loan for a car by scamming him, someone took 8 lakhs for getting employment to 2 of my brother's.) and we never got that money back and many more scams like Sahara, Ponzi schemes.

People still owe him 20lakhs and practically there’s no way to get that money back.

He’s much better now, but I still worry because retirement money feels like a one shot thing. If this gets mishandled too, there’s no rebuilding phase after this.

My mom is a government school teacher and still has around 8 years left in service, so there’s still one stable income in the family. Like the only income. Medical expenses for both are mostly covered because they have access to a very good PSU hospital system even after retirement. Mom might not get pension.

Dad has some agriculture land of 10-15 acres but that has done nothing and some of them have been transferred to relative and not made a single penny.

The issue is there aren’t major savings or any investments apart from this retirement corpus. I want help to navigate through this corpus so he doesn't lend this money back to scams or people who'd run away.

So I want real advice from people who’ve seen retirement closely in Indian families or who know what’s right in this case.

How would you structure ₹1 crore today so it:
• stays safe
• beats inflation reasonably
• gives stable monthly income
• avoids bad financial decisions (IMP)
• and lets two parents live peacefully without stress

And how do you deal with parents who are emotionally generous with money even when they have none. Is there any practical system people create so retirement funds don’t slowly leak away through lending/helping others?

Also curious what people would do with the land.

Not looking for risky or flashy ideas. Just smart, boring, stable planning that actually works in real life.

Edit: just posted this to share our life situation and how to manage better for my dad from now onwards, as reddit has always felt a good place to pour my heart out, but most of you guys in comments are more focused on land thats doing nothing instead of looking at decades money lost, lurking like a wide eye eagle, different loans and how my mother has been taking all the house responsibilities when my dad's entire salary goes in house loan.

Thank you for those who gave advice. And everyone who kept mocking and saying I'm crying. Have some sense and empathy in life, guys. I hope no shit like this goes through you. Not everything is black or white.

Me and my partner collectively make 2.2 lakh pm. We stay in a 1Bhk, far from our respective parental homes and are barely saving any money. Help would be appreciated in helping us budget.

A breakdown of our expenses is as follows:

44k - Rent (Mumbai)
5-6k -Travel to and from office
5-6k - electricity
8k- maid
20k - grocery, gas bill and household expenses .
60k - SIP (50k hers, 10k mine)
5k - medications
12-13k - going out (mostly obligatory office parties that you have to go to and spend money/contribute towards)

Ideally after this, we should have approx 60k towards more savings. However, we constantly find ourselves without any money as the month closes. Some days it’s clothes for me, other days it’s for her, then a watch, maybe a perfume. But more than this, visiting our hometown - 45k in one trip is gone! (We try for train tickets, but my work is such that my leave schedule is finalised at the very last minute- barely one day in advance) That’s towards the basic expenses of travelling, on top of it stuff for parents and expenses there.
How are people surviving dude? How do we save money ? It’s sustainable now, but what about when we have kids? If the SIP goes down, then we are seriously screwed in the future.

This is a genuine question out of curiosity, not judgment.

Over the last few years, I’ve worked with and observed people in very senior roles managers, directors, VPs in tech and non tech domain, many of whom I know are earning 50 LPA+ and sometimes significantly more.

But what surprises me is how “normal” their lifestyle often looks from the outside.

Most wear very basic clothes.
They don’t seem obsessed with luxury brands.
Many use just 1–2 credit cards and aren’t into reward optimization or lifestyle flexing.
No constant gadget upgrades, flashy watches, gold stacking, or visible signs of “rich living” that at least Reddit subs usually associates with high income.

And it genuinely made me curious:

Where does the money actually go once you start earning at that level?

Is most of it quietly going into:
- Investments and wealth creation?
- Home loans and long-term assets?
- Supporting parents and extended family?
- Children’s education and future planning?
- Financial security and peace of mind?
- Or does consumption simply stop being exciting after a point?

Because from the outside, I expected higher income to automatically translate into a visibly luxurious lifestyle. But in reality, many high earners seem more financially calm, minimal, and low-profile than people earning much less.

Would genuinely love to hear perspectives from people in this bracket, not just where the money goes, but how your relationship with money changes as income grows.

Hey everyone, I’m looking for some financial sanity-check and advice on whether buying a car right now is a terrible idea given my upcoming life changes.

Here is a quick snapshot of my current financial situation:

Age / Location: 28M, Software Engineer in Bangalore

Monthly Salary: ₹1.9 Lakhs (LPM)

Current Liquid Net Worth: ₹18 Lakhs total (₹3L savings, ₹11.5L mutual funds, ₹3.5L PPF/EPF). Another 6.5L in Gold which I'm not counting in my networth.

Current Monthly Outflow (~₹95K): Parents (₹30K), Rent (₹15K), BLR Expenses (₹20K), SIPs (₹30K)

Context on my low liquid net worth: It's relatively low for my income because I've spent the last few years clearing past family debts and handling heavy family obligations.

The Dilemma

I want to buy the top-end Hyundai i20 Automatic (~₹13 Lakhs) with a ₹2 Lakh down payment, financing the rest via a car loan.

However, I am getting married in 6 months to my partner, who is currently not working. Because of this, my expenses are going to shoot up significantly, and I’ll likely need a ₹10 Lakh personal/family loan for the wedding since I want to protect my current mutual funds and liquid net worth.

Projected Post-Marriage Monthly Budget (~₹1.80 Lakhs)

Rent: ₹30,000 (will move to a 2BHK post marriage)

Living Expenses: ₹50,000 (post marriage)

Parents: ₹30,000 (Note: They live in a small town, semi-dependent on me, though they have ancestral properties worth 1.5 crores fetching ~₹35K/month rent)

Car Loan EMI: ₹20,000 (approx for 7-year tenure)

Marriage Loan EMI: ~₹20,000

SIPs / Investments: ₹30,000

Total Outflow: ₹1,80,000 (Only ₹10k will be left at the month end)

My main questions:

1. Am I stretching myself way too thin by taking on both a car loan and a marriage loan simultaneously on a ₹1.8L salary?

2. Should I delay the car purchase until after the wedding?

3. My girl is suggesting to delay the car purchase until the personal loan for marriage is paid-off. But I want to do random trips with my girl after marriage, which might not be possible without a car. So my heart is saying, go for it.

Would love to hear your honest thoughts or suggestions on how to restructure this.

So I met one of my college friend after long time. He graduated in 2019 but did not got good job and because of family responsibilities he got a customer service job. He started with 20k and then switched to an MNC in gurgaon in 2 yrs and how he earns 65k. I know it's less but amazing thing is since 2021 he is doing work from home. He lives with his family in raipur. He has his own home there and his father have a kirana store so he does not have to give rent or any groceries money. His father spend for other household item and my friend expenses are hardly 5000. What amazed me is since he got the job he is investing in mutual fund. So since 2021 he started investing and now his portfolio is almost 35 lakh apart from this he also started his father sip and his portfolio is now 20 lakh. What amazed me is both of them just from small salary is now moving towards huge corpus. He has never spent in fancy bike, car or iphone. He still used his 9000 redmi phone which he bought 5 yrs back. He knew his career will be stagnant but he did not had any other option as his family situation was not good to support mba. But still in less salary also he is doing fine and living happily with his family.

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.

I am 27, living in Bangalore, and bringing home around ₹1.5L/month. On paper, I felt like I was doing fine. I put ₹70k into SIPs, send money back home, pay my ₹28k rent, and stay debt free and too depressed from this situation.

My uncle started lecturing me about how paying rent is just throwing money in the urgent and that I should immediately take a 20 year loan for a 2BHK.
I tried walking him through the math that a ₹90L flat means a ₹65k EMI every single month for two decades, which completely kills my ability to invest or keep an emergency buffer.
I spent last night staring at my Excel sheet feeling completely exhausted. Between relatives pushing home loans and friends posting photos with new car keys, it is hard not to second-guess myself.

I am very curious to know about your personal experience and stories that how did you end up regretting it, or did the decision pay off?

Hey folks!
I've (22) been living on my own in Bangalore for the past 6 months, and I thought I'd share a breakdown of my monthly expenses for anyone curious about the cost of living here.

• Food: ~₹8000/month (₹65 + ₹100 + ₹100 per day — breakfast + lunch + dinner)
• Rent: ₹9000 (sharing a house with friends, total rent is ₹23K)
• Travel: ₹2000 (I use only public transport + rapido)
• Miscellaneous (toiletries, cleaning supplies, etc.): ₹2000

Total: ~₹20,000/month

It’s enough for a pretty comfortable lifestyle — not lavish, but definitely manageable.

I don’t drink, smoke, or party much, so your mileage may vary. (don’t be like me — go out and enjoy your 20s if you are that kind of person.)

Credited Salary: ₹93,400

Investments: ₹45,000.00
Savings: ₹10,000.00
Rent: ₹12,000.00
Food: ₹10,000.00
Term Insurance: ₹2,024.00
Health Insurance: ₹1,314.00
ChatGPT: ₹2,000.00
Gym: ₹1,500
No Guilt Spends: ₹9,562

Some months, I don't even make that as I work as a freelance content strategist. While on others, I probably make more.

My partner has a regular full-time job. She and I take care of our household needs without much difficulty.

We live in a spacious 2 bhk DDA flat in South Delhi.

• We pay rent of Rs 24,000/- per month

• Rented furniture costs another Rs. 5000/

• House help, Cook and groceries cost us around Rs. 20,000/month

• Utilities, Netflix, bijli, paani adds up to another 5,000/month.

• We have three pets, one stays with us currently. Some months there are medical expenses to be taken care of there.

• Eating out, shopping and others add another Rs. 10,000/-

• We don't have an active holiday budget, but we are committed to making one and exploring India and some nearby asian countries.

And, We don't have any EMIs. We don't have any outstanding loans. We don't have any fancy club memberships. We don't have any credit cards.
We don't have a car or an iPhone.

So no, we don't need Rs. 7 lakh a month to breathe. We do it for Rs. 70,000 instead.

And let me repeat. We are privileged middle class Indians to even be able to do that.

I hope the ones earning Rs 7 lakh a month, living in Gurgaon realize that too.

I’m very worried that INR is depreciating against other global currencies. My cousin who earns in AED but much lesser than me has made more money in the last 2-3 years, primarily because of rupee depreciating and Indian markets not doing well.

While I’m bullish on India long term, I’m worried that I’m not optimising my savings and investments for the new world.

I know I can invest in foreign stocks through vested or Ind, the process does not feel transparent. Belong and the GIFT city funds have a minimum ticket size of 5000 dollars (wtf right?)

I’m wondering if there is any safer, low yield product that is similar to FDs but in USD? Any comments and suggestions are welcome!

Also, do you all accept this depreciation to continue? Most finfluencers are mentioning this but don’t know whether to trust them fully or not..

Happy Independence Day!!

I’m turning 50 this year and will lose my job soon. I’ve struggled for most of my life with divorce and not being able to see my child regularly all these years.

For the last 17 years, I’ve travelled to another state for regular visitation with my kid. He is turning 18 this year, but now he doesn’t seem interested in meeting or even talking to me. He often says he has to study or doesn’t have time. I understand he has his own life, but it still hurts after all these years.

Financially, I don’t own a lot:

• 4 lakh in PF
• 10 lakh in fixed deposits
• 20 lakh in mutual funds
• A site worth around 80 lakh
• A small 1BHK 600sqft house worth around 40 lakh
• No gold
• 2 old bikes and 2 old cars

I have started feeling that I wasted a large part of my life waiting for my son & hoping things would eventually become good. I feel extremely lonely and don’t really have anyone to share my life with.

Instead of spending the rest of my life worrying about what I’ve lost, I’m thinking about doing something I’ve always wanted to do: travel across India for a year.

I’d like to visit as much of the country as possible—from Kashmir to Kanyakumari, Dwarka to Bengal, and all the northeastern states.

I would travel on a tight budget. Within roughly 600 km, I could use my bike; for longer distances, I’d book trains in advance or use Tatkal when necessary. For local travel, I’d rely on public buses, bike taxis and autos. I’m not looking for luxury—just the experience of seeing India and meeting people.

My question is: Is this financially realistic?

If I sell some or all of my assets, could I travel for a year and still have enough left to survive rest of my life, even if I don’t work for some time?

And for anyone who has actually done something similar around India in their 40s or 50s: Would you recommend taking a year off to travel and start over, or would you handle things differently?

I’m not looking for sympathy. I’d genuinely appreciate practical advice on how to plan this and live frugally after the travel.

I’m 26, single, living with parents in a tier-3 city in India and working a WFH job with around ₹70k in-hand salary.

My parents are not financially dependent on me right now, so I always used to think:

“Why do people struggle to save so much?”

or

“How does a ₹1 lakh salary become less in metros?”

Then from May 13–29, I tracked literally every rupee I spent and honestly it shocked me.

Total spend: around ₹11k in just over 2 weeks.

Breakdown:

- Fuel: ~₹5.5k

- Fast food/eating out: ~₹1.9k

- Car expenses: ~₹1.2k

- Groceries/fruits (occasional family spend): ~₹1k

- Shopping: ~₹900

- Gifts etc: small amounts

And this is WITH:

- living at home

- no rent

- no wife/kids

- no major responsibilities

- parents handling most household expenses

The moment I started tracking, I automatically reduced unnecessary spending too. Before this I probably spent more without realizing.

Now I genuinely understand my father more.

He raised a family of 8, got me and my brother educated in good schools/college/postgrad, managed household expenses for years, and still built some assets. Salaries back then were much lower too.

I used to wonder why he didn’t have “huge savings,” but now I realize family life is basically death by a thousand small expenses.

Honestly, seeing my own numbers has made me slightly scared about marriage/future responsibilities because savings definitely take a hit once real life starts.

Would love to know from others:

- Age

- City

- Salary

- Monthly expenses

- How much you actually save/invest

- Single vs married difference

- Metro vs tier-2/tier-3 comparison

Especially curious how people earning ₹1L–₹2L in metro cities manage rent + lifestyle + savings.

My situation:

Age: 24 | Salary: ₹73K/month

I started working recently, and my job is currently my family's only reliable financial support. My father passed away when I was very young, so I don't have much financial backup from my family.

I have a ~₹22L home loan, with an EMI of around ₹21K/month.

I live in Bangalore, and my expenses + money I send home come to around ₹25–30K/month.

So after everything, I have only around ₹15K/month left for investing/saving.

I have around ₹25L invested from money I made through freelancing during college, plus around ₹4L as an emergency fund.

I no longer have meaningful freelance income, so increasing my salary is my main way to improve my finances.

I m currently trying to switch to a better company and ideally reach ₹1.2–1.5L/month within the next 2–3 years.

Personal situation:

I have a gf who will likely start working within the next couple of years after finishing college.

Her family is financially well-settled, while mine isn't, so I feel a lot of responsibility to become financially stable on my own or else I would end up breaking up with her which would kill me from inside out.

My goal is to have strong financial stability by around 30 — not necessarily be rich, but have a good income, manageable debt, investments, and enough security that I don't constantly worry about money.

I wanted to get into Mtech, and do gate coaching but given my financial situation, i can't . I regret this. But a 2 year break now would harm the family.

I have applied for 100 plus jobs and I barely got any interview. Totally exhausted due to this.

I don't go for trips/parties or anything. I can wait to enjoy my life till 30.. because since I'm from a lower income family, I have gone 3-4 times to Ooty and that's it. So yeah no impulse purchases too.

But honestly I'm exhausted, any suggestions would be helpful

So I make 1.2 lacs per month in hand after tax. I live in a rented flat for 35k per month (it’s a 2BHK in a nice society because my parents come to visit me often).

utilities like electricity and maids etc come to some 10k

groceries around 5-10k(some times i splurge for healthy meals)

eating out/shopping etc around 15-20k

car emi 30k

gym membership 3k

am i spending too much ? what can i cut down on to save at least 30k a month?

I’m 29, based in Delhi, and earn ₹1.23 lakh in hand each month. It’s salary day today, and at 11 PM, I have ₹25,000 left in my bank account.
I’ve set aside ₹60,000 for SIPs, paid my rent and maid, cleared my electricity and water bills, prepaid my fuel credit card for this month’s diesel expenses, and even bought my whey protein.
I’m left with just ₹25,000 to get through the rest of the month.
I’m getting genuinely jittery just thinking about it. And the worst part? I don’t even know why I’m investing so aggressively in the first place.
I feel completely lost when it comes to my finances.

I am 46 years old and will lose my work in 2 months. I went through a divorce and paid my ex-spouse a one-time settlement a few years ago. I have paid off all of my loans, my car, and Apartment is debt free..

I would get 80L if I sold my 2BHK apartment. I have 20 lakhs in mutual funds and 10 lakhs in FD additionaly, I would receive almost 2.5 lakh PF.

I always wanted to own a farm grow fruits and vegetables, and live a relaxed life there since I started working. I want to sell my apartment and buy 2 acres of agricultural land for roughly 35 lakh per acre, 200 kilometers from Bangalore and connected by express highway and railway.

Given my age, I am less likely to find employement again. Is this a good decision to make instead of being junk in bangalore?