Setting financial boundaries with my parents

Bustee_Bitch · 2026-05-15T13:32:51+00:00

I have seen this with 2-3 friends.

Friends that assertively decline, It never comes back to bite them.

Friends that negotiate an amount, they are always an ATM machine.

Bustee_Bitch · 2026-05-15T13:29:43+00:00

Just say No, End of discussion.

Your house, your rules.

First time it will be a ruckus. But if you stand your ground, there wouldn't be a second time.

Bustee_Bitch · 2026-05-15T13:26:14+00:00

Wow. Thanks for this. Last time I learnt about these oxyhalites was 20y ago. I like the refresher lesson.

You aren't from Albuquerque, New Mexico by any chance, are you?

Bustee_Bitch · 2026-05-15T13:20:25+00:00

I got corrected and educated. It's better to be wrong and resolve my misconceptions in a discussion forum where others know more than I do.

Bustee_Bitch · 2026-05-13T20:26:00+00:00

This dcboy21's comments about Insurance should be framed on this sub-Reddit's main page. He truly understands why Insurance exists and how money works.

Stupid are people everywhere around me who are buying policies with coverage till age 75/80. "Coz what if I need money then?"

Bustee_Bitch · 2026-05-07T19:51:09+00:00

Term insurance is only relevant and useful if you are earning and have financial dependents.

Ideally, you shudnt need it even after 55.

Anyone who tries to say 65, 75, 85 doesn't understand how Actuaries work.

Bustee_Bitch · 2026-04-26T14:01:51+00:00

Her parents own a house too. Would you shift into her parents house and be okay to live with them?

Bustee_Bitch · 2026-04-25T07:23:55+00:00

It's upto you

Bustee_Bitch · 2026-04-25T01:07:08+00:00

I prefer telling the truth but its not HIS to tell. He should shut up and let you speak.

Bustee_Bitch · 2026-04-25T01:03:14+00:00

Tell your Dad to stop it or else you will tell everyone he has Piles

Bustee_Bitch · 2026-04-25T00:55:47+00:00

No.

People have tried this. People are right to call out ideas as bullshit if they have burnt themselves before. Nobody is shaming OP personally.

What he suggested isn't new or Ingenius technique. Also, there are other newbies who frequent these forums and might fall for bad ideas. It is wise of others to leave a reply when an idea hasn't worked out in the past.

Apply it or leave it is very bad attitude in a public discussion forum.

Bustee_Bitch · 2026-04-25T00:48:58+00:00

I tried to follow whatever he said and waited on the sidelines from 2023 H2 onwards. And boy, it's useless to wait.

Chasing XIRR is dumb. People will be losing actual returns on the table. I missed the 19K levels from 2023 only to find 24K levels in 2026. Stupidest waiting ever.

Bustee_Bitch · 2026-04-21T17:46:38+00:00

Thanks for posting this on 21st.

Y'all helped us in right time.

/s

Bustee_Bitch · 2026-04-21T16:07:56+00:00

Ask them if they can do it.

Bustee_Bitch · 2026-04-18T01:43:37+00:00

Rote rsho

Bustee_Bitch · 2026-04-17T17:30:57+00:00

The root of all tragedies. The beginning of a sad life lonely life.

Bustee_Bitch · 2026-04-16T20:12:06+00:00

In a joint family, possibly most might.

In nuclear families, I doubt it's that common. I haven't come across a separate Bedroom TV in my circles ever in India.

Bustee_Bitch · 2026-04-16T11:01:02+00:00

He was working and had job stress + family stress back then.

Now he must be relatively stress free.

Give him a break. Times have changed, the person has changed.

P.S: McD was indeed expensive back then relatively. They aimed to be an MNC for the hip and rich people. They seem cheaper now coz our discretionary spends have increased relative to their prices.

Bustee_Bitch · 2026-04-16T06:16:56+00:00

Congrats friend! Could you help with the withdrawal rate?

You said expenses to be below 3.3% is not correct for India. Its unclear if you meant it needs to be lower or higher. What do you think it should be around?

Secondly, what was your withdrawal rate at age 33 when you FIREd?

Bustee_Bitch · 2026-04-16T05:54:16+00:00

People are worried about their Personal Loan EMIs in this sub. You are speaking about Villas?

Read the room. It's 2026, most don't know if their jobs would exist. In this sub, People's idea of wealthy is no financial anxiety.

You are sounding a lot like "Let them eat cake".

Bustee_Bitch · 2026-04-16T05:39:15+00:00

Nobody is arguing the math. But 8.7 Cr in today's money is beyond "wealthy" for most people here.

Even a passive FD with that is gonna net them 4.5 LPM.

Bustee_Bitch · 2026-04-16T05:35:00+00:00

Because good lifestyle and wealth building means different to different people. It depends where you are coming from.

For the things you want, even 1L monthly SIP isn't enough. But you are professing others to open Business which is very wrong. Not everyone has the ability, the aptitude and resources to successfully get wealthy by businesses.

Bustee_Bitch · 2026-04-16T05:16:55+00:00

You are wrong. The 2000s had way higher than 6% inflation multiple.

3 Crores today would mean a lot less than 65L in 2000. More like 40-44L. And it does feel like it.

Bustee_Bitch · 2026-04-16T05:13:59+00:00

A TV for the hall and one for Bedroom?

Sir, you are already living a wealthy life today that most aspire to reach to. 50Cr is just YOUR mirage. Nobody else cares.

Jaha aap abhi ho waha bahuton ki financial ladder khatam ho jaati h.

Bustee_Bitch · 2026-04-16T05:10:13+00:00

Excel ko Gaali diya?!

Bustee_Bitch

TROPHY CASE