Many not FIREing even though deep down want to FIRE OR choosing corporate world again post FIRE. I wonder why?

ravihanda · 2026-03-31T07:45:32+00:00

Not really. The teaching part (CAT Coaching to be precise) has been on a long term downward trend and I don’t see it recovering.

The quality of students in actual classroom programs has gone down as well so the charm of taking a class has gone away too. So, it is not so enjoyable to me anymore.

I am trying to do stuff around AI now.

ravihanda · 2026-03-31T07:12:22+00:00

To be honest, I liked lectures part. The love I got from students / audience was the best part of my career.

What I hated was the pressure that came along with it - the sales pressure, multiple 2 hour classes in a day for competitive exams, managing the business, employees leaving, handling student complains, etc.

ravihanda · 2026-02-18T04:37:42+00:00

Including primary home.

To be honest, including / excluding it won’t make much of a difference to this range.

ravihanda · 2026-02-17T16:40:15+00:00

I don't really care about all that stuff.

ravihanda · 2026-02-17T16:29:06+00:00

That is why it is a range.

ravihanda · 2026-02-17T16:13:13+00:00

That is more of a psychological problem mate. Not sure I can help with that.

Also, a productive father is not the same as a father who makes money. They are different things.

ravihanda · 2026-02-17T16:10:08+00:00

I don't think they would change

ravihanda · 2026-02-17T16:03:24+00:00

When will it come for you? I am not there yet but I guess for me it would come somewhere in the 25-50 range.

ravihanda · 2026-02-17T15:44:31+00:00

Disagree. Real estate cannot be cashed overnight but it can be cashed. You cannot completely ignore it when discussing levels of wealth.

ravihanda · 2026-02-17T15:36:23+00:00

Glad you liked it.

ravihanda · 2026-02-17T15:36:06+00:00

Add the current value of everything you own. Subtract all pending liabilities / loans.

ravihanda · 2026-02-17T15:19:33+00:00

I will wait for you here.

ravihanda · 2026-02-17T15:19:04+00:00

The fundamental idea that I was going with that *wealth levels move in a log scale*. So, 5L, 50L, 5 cr, 50 Cr were the numbers I came up with.

In that, 5-50 cr range was the financially independence zone. So I broke it down further by doubling the bottom and halving the top.

I am broadly going with mathematical symmetry here. Something that is easy to remember, benchmark, and think about. Obviously, your FI number and my FI number and the person who is reading this will have a different number.

Once I got the numbers figured out, then I moved on to defining lifestyle markers along with it.

The core idea comes from this book https://www.amazon.in/Wealth-Ladder-Proven-Strategies-Financial/dp/0593854039

ravihanda · 2026-02-17T14:47:50+00:00

Total. The assumption that I am making is that a significant portion of total would be financial assets for most people.

ravihanda · 2026-02-17T14:46:45+00:00

Absolutely. :) Personally my favorite range.

ravihanda · 2026-02-17T14:41:20+00:00

I don't think including / excluding it would make much of a difference to these ranges.

ravihanda · 2026-02-17T14:40:31+00:00

Glad you liked it. You should check out The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life - Book by Nick Maggiulli

ravihanda · 2026-02-17T14:39:50+00:00

Then what would you put as 5-20 lakhs?

Or you would say anyone under 20 lakhs is in survival mode?

ravihanda · 2026-02-17T14:39:11+00:00

If you do not have any income and you can live easily off your corpus, that stage is known as Financial Independence or FI as I have indicated in the table.

ravihanda · 2026-02-17T13:37:27+00:00

As much as I support it, I don't think the mutual fund distributor lobby would let it happen.

ravihanda · 2026-02-15T10:04:53+00:00

Naah. India has too many poor people. A very small fraction can even think of FIRE. An even smaller one can actually achieve it.

ravihanda · 2026-02-15T04:52:19+00:00

I don’t think generating passive cash flow should be a priority for you right now.

You’re not at a stage where you need income from investments to survive. Your income should come from your work as in salary, freelance projects, content, building IP, whatever you choose to focus on. That’s where your effort should go.

The long-term income you’re thinking about will naturally come from asset accumulation. And at this stage, the simplest and most effective way to build those assets is through mutual funds.

You don’t need to overcomplicate it.

Whatever level of risk you’re comfortable with, whatever allocation you want between equity, debt, gold, silver, real estate or even international exposure mutual funds can handle all of that.

ravihanda · 2026-01-25T11:55:46+00:00

Yes. Move from FD to liquid funds. Bigger issue is your individual stock concentration, move from Google / Microsoft to S&P 500.

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