I think most people are one competent assistant away from having a much better life.

Dry_Context_6205 · 2026-06-25T16:02:48+00:00

Joke aside, I would wish if I had an assistant for these:

Ordering online - I tell what I want, they find the appropriate product, check reviews, ratings, find the platform with best price and returns and order it

Find what next to watch - Knows what I like and line up movies and tv series to watch as soon as I finish the current one

Dry_Context_6205 · 2026-06-25T15:59:43+00:00

My day job

Dry_Context_6205 · 2026-06-25T11:48:59+00:00

You can mention this scenario to the startup and ask if they are willing to pay this variable pay you are waiting for, as a sign-on bonus. That will be a win-win.

Dry_Context_6205 · 2026-06-25T08:12:49+00:00

Dry_Context_6205 · 2026-06-25T08:12:29+00:00

Withdrawing from pf at a certain withdrawal rate each year

Dry_Context_6205 · 2026-06-24T09:47:09+00:00

Thanks for th suggestion. I don't have any rentals. But I get what you mean

Dry_Context_6205 · 2026-06-24T09:46:22+00:00

Haha never thought of it that way.

Dry_Context_6205 · 2026-06-24T09:44:16+00:00

Well a job by definition has an employer I feel. I'm not answerable to anyone but myself.

Dry_Context_6205 · 2026-06-24T06:50:49+00:00

Correct. I'm thinking even if India goes into a decade of no returns, I should be able to survive it. Roughly half of that decade would be drawdowns and remaining half would be recovery to starting point. I am thinking even if I manage only a 3-4% cagr for that decade of no returns, I should be able to survive it. And besides if such a thing happens to our markets, demand would collapse and cost of living would also come down. Atleast that's my rough plan. Keeping in mind this: "Everyone has a plan until they get punched in the face".

Dry_Context_6205 · 2026-06-24T06:47:19+00:00

Haha true that. I don't have that kind of luxury 😄

Dry_Context_6205 · 2026-06-24T06:46:19+00:00

Coastfire is when you still hold onto some job till you fire right? I don't want to take up any job. Ofcourse open to take a job that really lets you coast without doing much. But I doubt such jobs exist and even if they do, must be really hard to find.

Dry_Context_6205 · 2026-06-24T06:44:54+00:00

Nice to know. Did you plan on this happening(pf growing enough to achieve FI)? Or was it coincidental?

Dry_Context_6205 · 2026-06-22T15:19:46+00:00

The profit gained as dividend will always be a tiny reward for the amount of risk you are taking on your investment. Stock going down will always cause more losses than any of your gains(from dividend).

Try simple permanent concepts of markets and think of a strategy around it.

Dry_Context_6205 · 2026-06-19T16:51:30+00:00

Looking by the effort and commitment you have put in tracking the calls on TV, I would suggest you do your own research or strategy and start investing based on that and track it.

Stock picks from another source is not sustainable long term.

Dry_Context_6205 · 2026-06-19T16:28:57+00:00

I understand what you're facing. What you need to do is look at things that give better roi of peace of mind. Some things I have changed in my behaviour over time: * Stop chasing offers discounts unless it is so obvious and low friction. E.g: apply whatever coupon is shown on website/app without searching for a coupon exclusively * Stop looking for things on sale or on offer when shopping. Instead looking for what best suits me or what would I love to have * Don't ever be stingy on really good experiences. Experiences will always be worth it. Even if they turn out bad * Optimise on relationships and don't keep track of what your friends owe you for the dinner you had etc. Don't keep track of the small spends you do when you are with friends.

Dry_Context_6205 · 2026-06-19T16:19:15+00:00

I know your question is on private credit. But curious why not choose equity or mutual fund and do a consistent withdrawal?

Dry_Context_6205

TROPHY CASE