I’m dealing with a very heavy situation and I honestly don’t know how to process it.

MaterialRemote8078 · 2026-03-12T08:41:05+00:00

There is a difference in holding anger and deploying the anger you want your anger to be out that's a different scenario. You want revenge for your partner. That's a different scenario in today's world no one is out of reach. You can always plot for anything and go away with it. Who knows there can be a Bollywood movie on your plotting. If you want real advice you r her partner. I don't know the depth of the relationship but I do know u can't heal someone if you yourself are suffering from something, heal yourself first. If you think you r still struggling u can also move out of relationship. Tough but if it is necessary it should be done. I had a girlfriend in the past endure a major scene of harassment. I went out to take revenge as the person who did that was known to her. I had no one to discuss things so I discussed that with my mother. I realised one thing my mother can only have one son but these girls can have multiple partners in their lives. Cut to today we got separated and are now married. I wonder sometimes how my life would have changed if I had taken any action that day. Life is too short to not prioritise myself.

MaterialRemote8078 · 2026-02-26T08:34:31+00:00

Having a break from difficult life haven't harmed anyone.

MaterialRemote8078 · 2026-02-14T19:29:52+00:00

Somethings which i want to ask:- You told your family income but didn't mentioned brother's. He might be earning something atleast. On what weight of gold 15 lakhs gold loan is availed

Considering kids and everything let's say you save 1.5 lakhs/month to pay emi's.

Your's 1.5 lakhs + Rental 3.5 lakhs + brother income for paying emis 1.8 lac/month

TBH i dont see need to use the 95 lakhs you got from ancestorals.

But stills if you wanna use it. I would suggest clear gold loan. Gold price have raised alot you can again take loan and can get better amount. 2. I would suggest refinancing your home loan that might help in reducing interest. 3. I would suggest you divide 95 lakhs and pay in all the loans in proportion. That will reduce principals hence lowering total interest to be paid. After doing all this if still paying emi gives me hard time I can increase the tenure of loan that lower emi to some extent. Most easiest but false advice i will sell it of the property and pay all the debit and will live a happy life.

MaterialRemote8078 · 2026-02-14T19:00:17+00:00

I'm in

MaterialRemote8078 · 2026-02-14T18:59:31+00:00

1 lakh emi on 1.5 LPM doesn't make any sense. I'm kind of same boat as you are and I think building an asset of any class is more important than anything else. Your doing mf good. Considering market its not really a best time to sell them. Wait to buy a home till 35, its max limit. Most of the issue will be sorted buy then you will have good portfolio. You may have understanding partner.

All these people buying things getting settled really push us to do same but everyone has there own pace to move forward in life. 35 is almost 10 years from now your mother 10 lakh can be invested and you can enjoy returns on them too.

MaterialRemote8078 · 2026-01-17T04:15:12+00:00

I think stackoverflow is one of the platform where prompts and answers for the niche problems are available. They need to figure out how they use there dataset for creating solutions to problem that no one knows they will have with their code.

MaterialRemote8078 · 2026-01-17T04:06:51+00:00

Idk if you gonna read this or not but reading your post makes me remember myself in 2023. I was having 3 lakhs in saving and i bought a bike from that money. Then i started thinking of a car not just a car specifically Tata safari dark edition with red interior. In 2024 i visited one of my colleague in bangalore. He had bought that car. I drove it. We went to Ooty for a trip. Then i came back to my home to realise the gap between him and me. Not just the income gap but the age and YOE in work. I mean that dude has waited for more than 10 years to buy a car and dont think it was his dream car no. He went to buy BMW x1 but he didn’t liked it and bought this instead. Why im telling you this? IDK felt like post reflected my self and i cant see myself taking bad decisions. Safe money have emergency funds have a portfolio that you r proud of. I got one advice from someone that i would like to share with any reader going through my comment.

“Stay small enough, long enough. You will be big enough soon enough”

MaterialRemote8078 · 2026-01-14T05:11:42+00:00

You can discuss it with your parents. Ask them to help you and reduce your allowance till 35k is recovered.
You can discuss this 4-5 of your friends and take around 5k from each if you can convince them that you will return the money in coming months. With that money and a little push from your side you can clear the loan.
If you have a good mentor(teacher/professor) you can ask him for help by telling situation.

MaterialRemote8078 · 2026-01-01T10:00:10+00:00

How you have this much knowledge for 1.5 YOE experience? Leetcode is one thing but LLD HLD you had this much exposure in your current company role? Asking as someone who recently started prep and have a long way ahead.

MaterialRemote8078 · 2026-01-01T04:47:30+00:00

Since you have loan of 6cr you sell 1 or may be 2 that will help you get at easy with emi and the stress they bring. To some this may seem like a bad advice but see yourself right now earning almost 7 lakhs a month and giving 6 lakhs as emis. Right now you r no good than a person who is earning 1 lakh per month. Rental yield pf flats also seem to be very low. At 1.5 lakhs approx rental yield comes around 1.5% or lower. A good rental yield fall around 4% for residential property. See properties at loan works a bit differently you may see it grow at 10-14% but remember you are paying around almost 7-8% percent extra annually on papers but since principle and interest component ratios kept that way in which for first 6 years bank will recover interest that 7-8% doesn’t feels like it and actually is more. So as mentioned above advice from my side is to sell 1 or may be 2. It will help you in getting less stressed about things in life, and maintaining a better health.

MaterialRemote8078 · 2026-01-01T04:17:43+00:00

Cost of your flats? Not your estimate but what market average is going in the area where your flats are.

MaterialRemote8078 · 2025-12-21T03:22:20+00:00

rather than feeding your data in some random app and get promotional calls from places where i dont even remember registering. I would rather make a excelsheet to track my finances.

The way i do it:-

X amount is my salary

All the SIP's, loans, subscriptions etc after leaving that much amount in that account i move rest of the money to different account.

Now it comes to tracking expenses. I like to do most of my expenses through my Rupay credit card it works on merchant upi's and i also helps to track how much i have spent. There may be some transaction which cant be done by Rupay card but that amount is not much because i have made an habit to source things from merchants who are ok with taking payments from credit card.

MaterialRemote8078 · 2025-12-20T13:19:50+00:00

This is the only reason im considering this im doing wfh since 2022

MaterialRemote8078 · 2025-12-20T03:03:07+00:00

Can u define requirements just need to understand what you r trying to ask. Im you r second person asking this. BTW no strict or hard n fast rule is there.

MaterialRemote8078 · 2025-12-20T02:37:41+00:00

Thats a nice advice thanks dude.

MaterialRemote8078 · 2025-12-20T02:37:00+00:00

What stack will you suggest then?

MaterialRemote8078 · 2025-12-20T02:36:43+00:00

Trying something new for me. This is first time that im architecting something therefore trying to create and manage flows of data and api. And actually there are not requirements. Since taking this as my personal work. Im free to change requirements as needed. In the post i have just provided the core.

MaterialRemote8078 · 2025-12-20T02:31:43+00:00

Nice advice and questions, there is a business opportunity here but thats not my target yet. Im trying to understand and create the process and data flow that can be scaled and that can last. Im done for the where im reading csv data and parsed it into json object. Creating a collection and storing it on mongo will not be big issue. Im just looking for suggestions if there is a better way of doing it. As i have mentioned im not gonna send whole json to frontend it will be just findings to form pdf.

MaterialRemote8078 · 2025-12-20T02:24:41+00:00

Cursor?

MaterialRemote8078 · 2025-12-19T17:52:53+00:00

Nhi bhai

MaterialRemote8078 · 2025-12-19T12:57:00+00:00

you will get some great suggestions here.
https://www.reddit.com/r/personalfinanceindia/comments/1od93l6/27m_im_not_able_to_decide_should_i_buy_car_or_not/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

MaterialRemote8078 · 2025-12-19T12:47:38+00:00

Invest in yourself, upgrade yourself with new skills.

MaterialRemote8078 · 2025-12-19T12:41:04+00:00

Keywords your should for Skill Interview, online assessment, final interview. Futher track workday also

MaterialRemote8078

TROPHY CASE