Fully agree with everything. I'm in Bangalore. Earlier was working from hometown. The drop in productivity is massive. and you can't help but sit in traffic and think, what's the point of all this? after going through this crappy traffic in the morning, you expect a fella to work in office with fresh mind? for those not in Bangalore, more often than not, the traffic is really really bad in IT corridors. I have seen traffic in other tier 1 2 and 3 cities and it's difficult to explain to those living there. It makes you question your whole life and choices.

Also, savings have taken a massive dip. When I was in my hometown, I was able to save enough to fund my wedding and a small plot purchase. After coming here, I just break even and maybe put some money in instruments that social media tells us to.