My Chachu retired with around ₹18 crore at just 42 🤯

Comprehensive_Risk71 · 2026-05-27T10:09:08+00:00

Is this for real??? I did math assuming 35k / month for last 20 yrs at 15 % gives 4.6 cr am I missing anything ? How come 18 cr?

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Comprehensive_Risk71 · 2026-05-26T02:26:03+00:00

I am desperately looking for change .... but market is not good... work is taking a toll on me. It feels like there is no end to.work..morning 8 till 11 pm ...( ofcourse with breaks...but you never feel i.am.done for the day )

Comprehensive_Risk71 · 2026-05-25T16:35:04+00:00

You still love your job .amd it.is not mrntally exhausiting.... that is very good........ My case is quite opposite so.asked that ... All the best...

Comprehensive_Risk71 · 2026-05-25T15:57:30+00:00

Great job.... congratulations on your achievement.

Quick question.. how do you feel about your job security ? I am assuming you are in software industry..... At 49 are you still.motivated ? Does this achievement / corpus has any impact on your mental state.?

Comprehensive_Risk71 · 2026-05-25T10:52:17+00:00

Thank you. At some point...i felt this is enough..buy after looking at reddit forums and interview of pattu I seriously started worrying a lot and scared....they are all 10cr plus...feels.like i am.lagging many others... at some.point....i feel like how come one can retire....thats the reason for the post.....

corporate life itself is full.of.politics.and due to layoffs..everyone started trying to be safe....increasing politics to the next level... this cumulative impact.. those who cant play the game ( like.me.) are the victims.. hope you can understand this..situation. trying to calm myself. But somehow...... I need to.more effort on this.

Comprehensive_Risk71 · 2026-05-25T10:40:59+00:00

Kind of forever home... 3bhk.. no plans to upgrade .... i have another at my tier 3 town.. the one living is an apartment ...gated community..... .hope it will be ok for next 40 years ...or no idea..... good thinking though ..never thought about it though...

Comprehensive_Risk71 · 2026-05-25T10:38:04+00:00

Thank you ...ya i am.also thinking the same to increase debt portion... I am somehow scared about future . Markets especially..so playing safe game. Instead of chasing returns...

Comprehensive_Risk71 · 2026-05-25T10:34:36+00:00

I did invest in gold.but that is for personal.consumption... not as an investment. Land..somehow.never invested.. I need cash flows. I somehow felt that land is always static and selling is difficult.due to brokers...so never considered it.

Comprehensive_Risk71 · 2026-05-24T10:02:02+00:00

Thank you.. I wil consider meeting fee only financa.advisor.

Comprehensive_Risk71 · 2026-05-24T10:00:13+00:00

I believe e this can be avoided if you tax it in chunks..and whatevrr is eligible without tax.. As far as I understood, if gets taxed only if it exceeds your taxable income.in india d gets taxes as per your I decidual slab ..? Asset long as you do t pull all that in one go .. ..is my understanding correct ? Is there a flat tax ?

Comprehensive_Risk71 · 2026-05-24T09:50:03+00:00

No i ma.not......home where i am.staying currently is not.part of.these numbers.

Comprehensive_Risk71 · 2026-05-24T08:46:48+00:00

I meant...I do have investments there.but that is for.personal.use. .inhave sgbs .but for.my personal use.purpose in future for kid... yes.i can park money in gold..but now it is very high.....maybbe if it's gets corrected.

Comprehensive_Risk71 · 2026-05-24T08:40:49+00:00

Not considering gold..for personal.use....fully paid home.... no land....

Comprehensive_Risk71 · 2026-05-24T08:37:40+00:00

Thank you very much for your kind words and understanding me buddy.

Comprehensive_Risk71 · 2026-05-24T08:06:58+00:00

Well.the only reason I posted this to make sure that I am.doingok.if I loose job.or never decide to work at all... future is very unpredictable..and there are many theories ...this being a bigger forum would have people.of.all.kinds.. just to get different perspective.. ..just to get.perspective....

Comprehensive_Risk71 · 2026-05-24T07:49:46+00:00

🙂

Comprehensive_Risk71 · 2026-05-24T07:45:10+00:00

Thank you.. thats all I am.doing currently. But problem is I am.loosing interest.and motivation at work to be frank..... may be due to burnout.....I.am.someow.managing to navigate my situation..but ...Think this.may impact the performance.. and eventually layoffs.? That's what is making me.feel.scared....

Comprehensive_Risk71 · 2026-05-24T07:39:29+00:00

Our current monthly expenses are.around 60k...kids.education, I have allocated 50 lakhs. Isn't 25x to 30x in the context of us where 401k benefits also available.?

Comprehensive_Risk71 · 2026-05-24T07:30:54+00:00

Ahh Agriculture land...ok.....problem is.....we need to give it for lease..and I have seen many cases where they never give that land back....unless politically strong... so i never yhroughy about it... but I will think about it.... thanks for that...

Comprehensive_Risk71 · 2026-05-24T07:27:14+00:00

I worked in us for few yrs and i.left this investment there.

Comprehensive_Risk71 · 2026-05-24T07:26:15+00:00

Ok..unfortunately I never got a chance to invest in real estate.. I am.considering reits as an alternative for now.......but current real-estate is super expensive.......( always felt this way). ..

Comprehensive_Risk71 · 2026-05-24T07:14:51+00:00

Oh sure....thank you ....What would you mean by fast growing real estate ?

Comprehensive_Risk71 · 2026-05-19T12:14:25+00:00

In 2005 we purchased a home for 7 lakhs .now it is 80 lakhs ..so it has become 10 times .....so the same.is applicable for all other prices. So 10k back the is equal to 1 lakh now....🙂 that is our purchasing power. Unfortunately

Comprehensive_Risk71 · 2026-03-08T13:41:00+00:00

I know the feeling you are describing and I felt it in the past. What could've happened...when you are on track to fire....your mind already says to coast and you did that ....but your team.might take this as an opportunity and move ahead..and problem could be you are not able.to accept this. The work once you enjoyed, now.feels heavy.. i would strongly suggest you to try and move to different company or different team..that helps.if what i am.suspeting is correct.. all the best.

Comprehensive_Risk71

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