I am 33 years old I have saved 20 lakhs only. Is it too low I make 17lakh per year after tax but I had to spend most of it? What have you saved by what age please share if you can
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Spent 12 years in IT. People who love to work after 7-8pm 🙏. Please don't increase the expectations from the employer. You guys are ruining IT for others also. I am a simple guy with family responsibility. I work, complete the task by 7-8pm. I enjoy time with family and friends. Go to Gym. 💪 I am mostly getting around 4 ratings with doing normal work. People like me kindly comment down adivce/thougts for these people.
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I have 16+ exp (AVP) in Peformance testing mostly, last 1-2 years working in Automation along with Python. Upskilled myself in AI/ML since last 2 years. in CV showing AI/ML exp as 6+ yrs and rest 10 yrs in misc area like testing, cloud with CICD etc. For last few months workplace became very toxic, hence tried to switch in AI/ML but getting very fewer call, most of the applicaiton are rejected. Thinking to put paper w/o offer and use the last 30-45 of 90 days NP. What's your advice?
Age 30 yrs. 22 lakhs in plot 7 lakhs in epfo 3.5 lakhs in stocks 6 lakhs in mutual fund 7 lakhs in fd 3 lakhs in cash Own a car(swift), a bike(meteor 350), funded my marriage by myself. Funding my younger brother's education(2.5 lkhs a year). Only earning member of my family.
Where can i learn about investing?
Age 26. 80k mutual funds + pf (1.3 lakh) + 1lakh saving account. Total = 3.1 lakh :). Traveling continuously from last 2 years. Living in different places. Had amazing time of my life. So no regrets. Peace..
Mostly I don't find any issue. I stay in hostels which are cheap as compare to hotels and all have good wifi. Also I am working as backend developer so i don't have many calls.
Age 36: Fixed: 35L Single person earning for whole family and investing since beginning. Spouse isn't working. Around 60 percent of my salary goes into investment, some of which are mentioned below Have 35L in stocks/ mf/ esops /gold bonds FDs: 30L Plot Land: 1Cr PPF: 15L PPF for spouse: 5L Parents health insurance: 50K Health insurance: 60L Term insurance:1 Cr No car and flat as of now, planning to buy a 🚗
I worked as a freelancer before I joined Accenture. The decision to join Accenture was post marriage to get WLB
I am 30 year old and able to save only 11.5 lakhs till now. I earn 1lakh per month but 60-70k goes in monthly expenditure. It is a common problem for all who have to take care of their family.
I had 23 lacs saved till last year i.e. 33 yrs
Suggest some good us stocks
7 lakhs in EPFO 3 lakhs in NPS 25 lakhs in savings 9 lakhs in Equity Own a car + bike. I am funding my own marriage and save about 1.25 lakh a month. I dont have support from my parents or ancestral properties. My suggestion is as long as you have zero debt, you are tension free. Try to save and allocate to emergency funds. Get a health + life insurance of 10 X your annual salary. As a quote say, "The best time to plant a tree was 20 years ago, the second best time is today."
Itne me 1.25 savings kaise ho jati h? Doing some side hustle?
Age 36 Land + house: Costed 2.6 cr Expected sale price: 3.5 cr ( land is 1.9 and house of 5500 sft) in Bangalore Car: Fiat Linea MF: 20 lakh PPF: 5 lakh Savings balance: 5 lakh No debt or loan Take home: 3 lakh pm Wife's take home: 2 lakh pm Expected monthly expense : 70-80k Term insurance : 1cr
5.5k sqft house in bangalore for 1.9cr only? Isn't that a good deal?
Age - 24 Savings - 4 Lakhs WFH Going for Masters
Well u will not see any benefit until u want to settle in USA
Think of those who cant even earn that much after working their entire life. Carry on buddy. Have proper investment plans. Keep saving. You can convert this 20 into 40. Stay happy always.
I am 26 years old currently saved upto 13 lakhs i am the only earner with my mom looking for good role in devops
Age : 35 Pf: 18l Marriage: 10l spent Lands : 30l Car : 9l Bikes : two rx since my college days Total savings as of now : 18+30 = 48 No previous earnings by parents.. everything above only by me.. only person earning
Age: 35 Asset: ₹20 L Liability: ₹51 L Net Worth: -₹31 L I made some mistakes. Now on a path of recovery. Hopefully someday I will be in +ve.
Why would I mind. :) A few notable ones are: 1. Credit Card (party, mobile, gadgets, travels, ...) 2. Personal loan for marriage 3. Luxury car (beyond need) 4. Stock trading (on tips and not on learning) 5. Not focused on saving
Age -33 MF-56L SGB-2L FD-2L Shares-11L PPF-1.8L Savings-2L Also every year I buy gold jewellery of around 1.5L. All done by me..not inherited a single penny
Buddy, You are doing good My scenario: Age: 31 years Experience: ~ 8 years CCTC: 28L fixed EPF: 7L Mutual funds: 1.3L NPS: 1.5L Stocks: 3.1L PPF: 4.4L Daughters SSY: 92K Daughters FD: 1L Plot+home construction: 90L (loan of 65L) No savings as of now due to ongoing home construction! Term insurance: 1Cr
Age 25 working experience 1.4 years saving don't know exactly but mostly around 20 lakhs.
Age: 34 Savings: 0 Package: 30+ Lakhs I have no car, no insurance, take no vacations, no kids! My father is a small business man and ran out of money after taking 5+CR loans.. this was 5years ago!! Every since then just been paying as much as I can .. I try to be happy! Reading above posts gives me anxiety but I’m trying my best and have only been able to reach here till this point in life
u will succeed for sure
I'm 36 Savings 2 Lpa PF 4 lakhs FD 20 K Bike 1.50 lpa Insurance 10 lakhs House 75 lakhs. Don't have much savings but, btw can someone tell me what do we need to do for PPF saving how does it help ?
go with VPF.. better interest rates
If you have zero in hand but lot in investment than it's also in hand
Age 27 year, savings 20.8 lakhs, and I used to think that I have very less savings, my CTC was 11.6 lpa but switched to 7.7lpa as it was less toxic and in my hometown.
Age 33 Plot 40 Mf/stock 50 Epf/ppf/nps 15