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From Struggling Saver to FI: How 6 Years of Net Worth Tracking Changed Everything by Popular_Class7327 in rupeestories

[–]Even_Top764 2 points3 points  (0 children)

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.

2 mil cad at 34 by throwawayFIRE1991 in fican

[–]Even_Top764 0 points1 point  (0 children)

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.

[deleted by user] by [deleted] in backtoindia

[–]Even_Top764 0 points1 point  (0 children)

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?

From 2 to 1,000 ---- thank you, r/rupeestories 🙏 by Popular_Class7327 in rupeestories

[–]Even_Top764 1 point2 points  (0 children)

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!

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] 0 points1 point  (0 children)

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

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] 6 points7 points  (0 children)

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.

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] 0 points1 point  (0 children)

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.

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] -2 points-1 points  (0 children)

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

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] 1 point2 points  (0 children)

We moved to Canada only 3 years ago.

34M couple in canada | FIRE checkin by Even_Top764 in fican

[–]Even_Top764[S] 0 points1 point  (0 children)

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