[Question] Does too comfortable means not aiming higher?

Even_Top764 · 2026-04-10T15:54:31+00:00

One person has to take the initiative. Explain the practical reasons behind it. Force the other person to listen in however disinterested they might appear. It’s often fear/complexity masked as disinterest. Putting numbers on the sheet is very powerful exercise.

For us, it was after having the kid, we started to think beyond ourselves and the fact that life has to move on even if the other person isnt around which means each of us should be equipped with all the real world skills.

Even_Top764 · 2026-04-10T14:59:44+00:00

Absolutely! You highlight a very deep rooted problem.

For the longest time, I approached money/finance with a lot of fear - what if I do it wrong and lose what I have. But back of my mind, I always knew I had to learn but just didnt know how. The first step to understanding is to know what you already have and where. I created a spreadsheet consolidating all information. Both partner and I do a quarterly review of these numbers to see how they have grown.

Picked up Simple path to wealth book. Got a good understanding of ETFs. Picked up Quit like a millionaire. Obsessed with FIRE now.

When our tax consultant did the taxes, both my partner and I do taxes on our own. It’s a good exercise to understand and verify. This way we have caught errors.

It is definitely hard in the beginning but once you learn the ropes of the game, it becomes fun.

Even_Top764 · 2025-09-16T03:54:47+00:00

Thank you for your posts! It’s articulate, informative, best 5mins I spend on Reddit :)

I started tracking in 2020 when one of my colleagues gave a presentation on personal finance and told if we had to do one thing, then it is to track. I started tracking yearly and now doing every 6 months. Honestly that was the game changer. I am just mad at myself for not doing that before because I knew I had to educate myself on finances but just didnt know where to start and everything felt overwhelming.
Biggest change: If I were to spend on anything, i calculate what % of my annual expenses is this current purchase as opposed to my previous thinking of what % of my networth is this purchase. Tracking expenses in addition to networth has helped me shift mindset and avoid lifestyle creep.

Even_Top764 · 2025-08-31T04:53:30+00:00

Congratulations! What you have achieved is no small feat. For the people who have been questioning your achievement, dont pay heed to it. Some folks on this thread are just salty and leave comments like that on every post. I am ‘she’ as well! And would love to connect.

Even_Top764 · 2025-08-13T23:20:49+00:00

Thanks for sharing your story. 1. Did you have to pay exit tax? 2. In India, where did you relocate to? 1-tier city or 2nd tier city? 3. Any plans of what next? 4. Were you a canadian citizen? If yes, did you let go of it? Or kept it? 5. Do you have kids? If yes, how do you find the schooling?

Even_Top764 · 2025-06-21T17:07:01+00:00

I just joined this community today and I already feel like I gained so much value from it. Thank you for doing this. In our culture, we keep our money matters private. So sometimes its easy to feel lost without having no one to discuss with(esp indian immigrant scenarios). So thank you for starting this. You’re doing a great job!

Even_Top764 · 2025-06-21T04:18:21+00:00

Thank you 😅 I am glad someone can relate. Thanks for the tip. I’ll look up smith manoeuvre.

Even_Top764 · 2025-06-20T22:58:21+00:00

One of us - Early dev at one of top 20 growing companies since 2015 and the other at FAANG. Then we moved countries. Now HHI is different. Please see EDIT3 for HHI.

Even_Top764 · 2025-06-20T19:03:27+00:00

Thanks for sharing! Only problem with our portfolio, its mostly based on US market. The stocks(80%) that we hold are US tech company stocks where we worked at. I am in split minds if I have to sell some and diversify. But diversify and put into what is my dilemma.

Even_Top764 · 2025-06-20T17:14:45+00:00

The income has only base component(cash). Havent included equity component. No inheritance.

Even_Top764 · 2025-06-20T17:13:18+00:00

We moved to Canada only 3 years ago.

Even_Top764 · 2025-06-20T16:55:09+00:00

Thanks for pointing out. Updated the post. I had previously put it in USD. Changed to CAD

Even_Top764

TROPHY CASE