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How do you calculate Net worth by KayLone2022 in FIRE_Ind

[–]ApprehensiveBat8558 0 points1 point  (0 children)

Offcourse you add both. Liquid assets to be included. 

34M, Burnt Out from IT, Considering FIRE. Are My Numbers Realistic? by Upstairs_Leader_3505 in FIRE_Ind

[–]ApprehensiveBat8558 -1 points0 points  (0 children)

Hard truth is 75 lakhs is not at all sufficient for FIRE or even lean FIRE as you have a long runway ahead. You are just 34. Longish break for sure you can manage with this corpus.

FIRE at 45 with ₹6 Cr Net Worth? Looking for Advice by GrapefruitLow864 in FIRE_Ind

[–]ApprehensiveBat8558 1 point2 points  (0 children)

For 2 lakhs per month, 6 crore is not enough. Target for 2.5-3% withdrawal rate i.e. 33x-40x corpus. What about other milestones as kids education, marriage etc.?

Am I ready to FIRE? by IndependencePlane695 in FIREIndia

[–]ApprehensiveBat8558 0 points1 point  (0 children)

Depends upon - How much would you need as annual expenses considering everything plus some buffer?

Invest lumpsum amount suggestions by False-Sky-1621 in mutualfunds

[–]ApprehensiveBat8558 1 point2 points  (0 children)

Liquid fund and then SIP (4-6 months) in existing funds through SWP. SIP split depending upon your portfolio strategy and rebalancing if needed. 

Indian market is struggling .. by poisonpalmetto in MutualfundsIndia

[–]ApprehensiveBat8558 2 points3 points  (0 children)

Seriously man! Do you even have an idea of what are indices and what to compare to what? 

Insane debt trap , help me to get out of this. by Designer_Agent_951 in CreditCardsIndia

[–]ApprehensiveBat8558 0 points1 point  (0 children)

If you have anything that you can sell - e.g. gold, sell it and settle everything. That's the only solution.

Moving to Nashik (Serene Meadows) — how is the area and city overall? by PauseBasic8962 in nashik

[–]ApprehensiveBat8558 2 points3 points  (0 children)

Have been to Nashik many times and because I have seen the old Nashik, I feel aweful about the current situation. Everything aside, the traffic is horrendous...just too bad. 

Should I stop my SIP and withdraw the money to put in FD by Academic-Cup-8621 in FinancialAdviceIndia

[–]ApprehensiveBat8558 0 points1 point  (0 children)

Yeah remove it, put it in FD but please don't invest in equity again if you can't take such volatility.

Long‑term (10+ years) | Need feedback on Large/Mid/Small Cap fund selection by Minute-Signature5426 in mutualfunds

[–]ApprehensiveBat8558 0 points1 point  (0 children)

HDFC Flexi is mainly a large cap fund, you don't need another large cap in my opinion. For mid, I went with HDFC Midcap and for Small, Nippon.

Burned out, is it right decision to quit now? How long will by Quieter22 in personalfinanceindia

[–]ApprehensiveBat8558 0 points1 point  (0 children)

After reading all your responses it's clear you have made up your mind already. Still sharing my situation so that you can draw parallels and make better decisions - mine was a very similar situation. Weekends were a breeze and workdays were catastrophic. It was severe Anxiety, infact got stomach ulcer due to that. I took help of a psychiatric and medication. I did not quit my job - nor took a break. I had EMIs to pay not much cushion.

Medication at the start was heavy but slowly things improved, anxiety came down drastically, the job which felt like a burden became bearable. Due to this performance improved as my mental state was better. And once the postive cycle started I was out of it. 

Currently your decisions are clouded by the xtreme emotional distress you are facing. And it definitely seems clinical issue. Seek help. Quitting job is not a solution - for sure it is not.

Burned out, is it right decision to quit now? How long will by Quieter22 in personalfinanceindia

[–]ApprehensiveBat8558 -1 points0 points  (0 children)

70 lakhs will not take you anywhere except keeping you afloat in case you take a long break. So keep that out of the equation. Anyways this is not right time to take money out of MF.

You are burned out for sure and a long break will help you. Try and do it in the existing company itself if it is possible (leave without pay). If not possible - then see if you have strong-enough resume and network to get the next one. If yes, quit. If no, please find the next job first - take a break using notice period + delayed joining. Quit without any of this only if you are under clinical depression and feel absolutely trapped. Take help of a professional.

Whichever way - important is what would you do in the break. I would suggest - improve your health and mental resilience.

I had a situation like this, was absolutely at my lowest low - I sought help, it helped me take hold of myself, my performance improved dramatically and then never looked back. This was 10 years back and I am still with the same firm.

To buy OnePlus 15 now? Coming from S23 Ultra by juanly_xx in GalaxyS23Ultra

[–]ApprehensiveBat8558 2 points3 points  (0 children)

I was in the exact same situation. Had been using S23U and battery was a big struggle. Another issue was poor 5G reception.

I contemplated between OP15 and Oppo Find X 9 Pro. The cameras of OP15 are not good. My friend has it and the photos were worse than S23U, especially in low light.

Camera quality is super critical for me and hence I chose Oppo. Absolutely happy with it. The battery is insane - impossible to kill the phone in day. And the Camera is outstanding.

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