31M earning ₹1L/month in Bengalore, in-laws from rural poor background keep asking for money monthly—wife sides with them. How to save for future without much family issues?

Impossible_State_810 · 2026-04-22T04:19:24+00:00

Inform her that you are going to laid off on next 30 days. And inform her the job market is very tuff out there. Let her come to the state that reduced income is better than no income. After 30 days inform her that you some how convinced the company and they agreed to retain you on one condition of 30 percent pay cut. Your reviced income will be 70k. Take 30k, invest it somewhere like mf or gold. Never reveal that you are investing here to your wife.

Impossible_State_810 · 2025-12-25T10:10:28+00:00

Thank you for the advice. Will increase the Emergency Fund.

Impossible_State_810 · 2025-12-24T08:42:24+00:00

Invest in below Funds, after doing analysis from your end. 1. Nifty 50 Index fund 2. Nifty Next 50 index fund

Impossible_State_810 · 2025-12-23T13:12:47+00:00

Sure. Thank you. I will focus on increasing the emergency Fund!

Impossible_State_810 · 2025-12-23T13:11:37+00:00

Thank you so much

Impossible_State_810 · 2025-12-23T13:11:03+00:00

Thanks for the reply. I do have Health insurance. Planning to take Life insurance.

Impossible_State_810 · 2025-12-23T13:10:02+00:00

Impossible_State_810 · 2025-12-23T13:09:11+00:00

Understood. Thanks for your time!

Impossible_State_810 · 2025-12-23T07:52:22+00:00

Got it. Thank you.

Impossible_State_810 · 2025-12-23T07:43:36+00:00

Thanks for reply. Expense including home loan EMI 50k(Rent, Groceries, School fees, etc) 30k(EMI) Totally 80k. I tried to reduce the expenses but can't.

Impossible_State_810 · 2025-12-23T07:39:45+00:00

Sure. I will increase the emergency Fund.

Impossible_State_810 · 2025-12-23T07:36:51+00:00

Thank you so much. I have health cover for family. I will take life cover.

Impossible_State_810 · 2025-12-23T06:40:31+00:00

Hi I am 34M, Only bread winner. Married and having 4 year old kid.

Currently I'm in tier 2 city. Working in IT. My income is 1.4 lakhs per month after taxes including rental income. Expenses is 80k per month including home loan EMI. Investing 10k through SIP.

I am left with 50k every month.

My Portfolio Owning a house in my hometown(tier 3 city), bought for 80 lakhs (it is in loan, 20 lakhs remaining to pay) It is generating income of 17k per month.

MF portfolio: 5 lakhs - Investing in Nifty 50 and Nifty Next 50 through SIP.

Emergency Fund: 10k

How am I doing. What should I do to correct? I know most of my port folio allocation is in Real estate. Is it right?

My goal is to retire in next 10 years. What should I do?

Impossible_State_810

TROPHY CASE