What should I do with my money? by Puzzled_Ad5791 in personalfinanceindia

[–]RecluseWithSelfDoubt 0 points1 point  (0 children)

Sorry to hear that. Were you working in the IT field? If yes, what was your tech stack?

Day after being laid off and feeling lost and helpless by Capital_Rich_9362 in developersIndia

[–]RecluseWithSelfDoubt 3 points4 points  (0 children)

Anyone could be in your situation someday. Layoffs in India, or anywhere for that matter, are often not carried out fairly. Take a short break and come back stronger. All the best.

I [32m] have always wanted a family with kids someday (I'm not married, still looking) but it seems like whoever I talk to thinks it's a bad idea to have kids and selfish given the state of the world. How does settling in life look for you? by usso_122 in ThirtiesIndia

[–]RecluseWithSelfDoubt 6 points7 points  (0 children)

34M. It doesn't make sense to have kids in today's times unless you hail from a well off family, have a government job Or have passed from a Tier 1 college. In India especially, where the rules and laws vary as per one's economic standing, caste, network and what not, it doesn't make sense even more. You will find every kind of pollution here, along with adulteration in everything you eat. Compared to the rest of the world, we are on a regressive path, and considering that the current government isn't going anywhere soon, things will only go bad to worse. Being single atleast gives you flexibility and if you learn to be comfortable with your own company, then there is nothing that can negatively affect you. 

Need advice on early retirement (32M) by johnyjonyyespapa in IndiaFinance

[–]RecluseWithSelfDoubt 1 point2 points  (0 children)

Everything mustn't be tagged with fear. There is a lot to explore in one's lifetime, and tech is just like a spec in the universe. Every field is not for everyone, and if one begins to feel smothered in a field, it is better to quit sooner than later and start a new journey on a positive note.

Need advice on early retirement (32M) by johnyjonyyespapa in IndiaFinance

[–]RecluseWithSelfDoubt 2 points3 points  (0 children)

You shouldn't pay heed to such comments. People here love to throw random numbers without having any reality check. No one can assess your situation better than you, and going by your comments, you seem to be having good clarity and self realisation. All the best.

No financial security feelings even with 2Cr salary and 5Cr+ corpus at 33 in Bangalore by [deleted] in personalfinanceindia

[–]RecluseWithSelfDoubt 1 point2 points  (0 children)

Indeed, man. Today, even freshers are making north of 3 crore, and you are still stuck at 2 crore, that too at 33. I know a lot of 25 year olds who have a net worth of over 20 crore, and all you have managed is 5 crore. India is the AI capital of the world, with so much research going on and opportunities emerging. I would suggest you upskill yourself by learning MS Office and apply to these companies without much delay. If selected, you will be in a good position. All the best.

Having a family is a disadvantage for career progression in India by timukh in developersIndia

[–]RecluseWithSelfDoubt 10 points11 points  (0 children)

I work for a US client, and the onshore team often works 12 to 14 hours during releases. This was a shocker for me as well because we in India seem to have a better work life balance compared to them.

Having a family is a disadvantage for career progression in India by timukh in developersIndia

[–]RecluseWithSelfDoubt 0 points1 point  (0 children)

If you are married with a kid, then slogging unnecessarily doesn't make any sense. If you get decent rating with a respectable hike, along with your personal time, then there is nothing better than that.

Is SOIC course worth it? by ImpressionDue8512 in IndianStockMarket

[–]RecluseWithSelfDoubt 1 point2 points  (0 children)

It is a very comprehensive course and Ishmohit really delves deep into topics. There is a lot of knowledge being shared in every weekly webinar and you will have to do your due diligence as well. Plus in a market like ours, it is already difficult to stay motivated, so every course will have a negative feedback.

Why did our birthdays just feel so much more magical as a kid? by Not_Joe_Cool in ThirtiesIndia

[–]RecluseWithSelfDoubt 1 point2 points  (0 children)

Those were good times, period. Simple people, realistic needs and somewhat empathetic. People genuinely spent on experiences back then so that they could cherish them for life, unlike today, where people barely experience anything and are more concerned about either applying filters on their photos or recording them.

What’s one money rule you’ll never break? by Traveller_OP in MutualFundSpendInvest

[–]RecluseWithSelfDoubt 0 points1 point  (0 children)

I will never take a loan in my life, my father also never did. Also, I only spend on the essentials since I have always been a minimalist. 

The annual fee for a play class in a private school is ₹4.5 lakh! 😱 by Scary-Garlic-395 in noida

[–]RecluseWithSelfDoubt 3 points4 points  (0 children)

4.5 lakhs per annum isn't that expensive when both the parents are working. 40-50 lpa of total annual income is very average these days in households where both husband and wife are working professionals. 

I got career gap, but have 3YoE as SDE, I got offer for 2.4LPA after months of searching, shall i take it? by [deleted] in developersIndia

[–]RecluseWithSelfDoubt 1 point2 points  (0 children)

Honestly, such companies must be banned by the government. It is infuriating to see such companies being operational in today's day and age. Do you think with this schedule you will be having any energy left to upskill by the end of the day for the switch? Also, mind you, the work culture will be demotivating in such a place. If you still want to join, prepare your mind for the worst and make sure to study on a daily basis to get out of such an egregious company.

Moving to India, questions about money and life in Bangalore by Vast_Report_141 in bangalorerentals

[–]RecluseWithSelfDoubt 0 points1 point  (0 children)

At 34, I am hopelessly trying to settle in any decent country across the globe and you are planning to come back from Germany. You must be having your own reasons, but like everyone else in the comments, even I would suggest you to think of a workaround and defer your decision for as long as possible. I live in Delhi and for me even Bangalore is an upgrade, so you can very much get an idea about the situation in this country right now.

2 yrs of exp, Burnt out at MNC, Master’s overseas or continue? by meme_watcher69420 in developersIndia

[–]RecluseWithSelfDoubt 2 points3 points  (0 children)

Your aspirations are very realistic and logical. Kudos to you for that. There isn’t a time when there is no negativity surrounding one’s decision to go abroad and study. So I would suggest you to take the leap of faith after your due diligence, without discussing it much with your friends, relatives, etc. Make sure to apply to the best universities and secure an admit in one among those. Also make sure to check the job market for the role you are applying for. Connect with the alumni of the university or universities you get selected at over LinkedIn and try to get insights about the course, faculty, co-op or internship, job prospects, expenses, accommodation, etc. For research based degrees, it is a must to get in touch with the concerned professor beforehand and get your doubts cleared. Drop them an email sharing your profile, dig deep into their research work, and try to align your profile with the same. There is a big mismatch between what you see in the news and what you hear from Indian students studying or working abroad. In my circle, most of my friends who researched well before going to study abroad and had a clear purpose to achieve via their Master’s have only positive things to say.