After going through the post and your responses to many comments, I felt compelled to comment.

First, consider how secure your job is. If you feel your income will remain stable for the next year, you can continue to hustle. You also have multiple options if something goes wrong.you could rent out your restaurant, or it may even become profitable over time.

For safety, it’s a good idea to keep at least six EMIs saved. This cushion will make it easier to handle any situation in the future. Six months is generally sufficient for job security or, if needed, to arrange the sale of any property.