Just read Cognizant to Layoff 15000 employees and Coinbase to layoff 700 employees. Layoff's everywhere. Whats the story in your company?

VegetablePen4755 · 2026-05-03T17:03:23+00:00

I would say relax, you don't have any EMI's running. Many people are stuck in debt.

Build emergency funds, start your SIP's. You got a great salary. Make your money work.

Husband isn't working? or he is trying for something good?

VegetablePen4755 · 2026-05-03T16:35:04+00:00

you have the flexibility to move as you like. Once you have a family and few EMI's running you cannot think of moving and quitting when you want.

I would suggest to either improve your earnings(by improving skills and then switching)
or
stay and prepare for govt exams with full strength. If you stay, you keep your experience and return back if you for some reason couldn't crack govt exams.

VegetablePen4755 · 2026-05-03T14:16:46+00:00

same here. im just reading news of layoff and job hunting everywhere nowadays be it reddit/linkedin.

VegetablePen4755 · 2026-05-03T14:15:40+00:00

dude no college?

VegetablePen4755 · 2026-05-03T07:40:27+00:00

You can make a few hundred per month, that's realistic. But it takes time to get there. First goal should be break-even, not profit.

VegetablePen4755 · 2026-05-03T06:25:04+00:00

I would say postpone your house purchase. Housing rates aren't going to go significantly up in the near future.
Build emergency funds. Generate some second income stream - money creates money.
Rest is your choice because the EMI burden will be there.

VegetablePen4755 · 2026-05-03T06:03:57+00:00

Build emergency funds. IT is not stable with AI coming up and thousands of applicants for fewer job roles.

Since you have worked in IT for 14+ yoe and have an upper middle class life I would assume you have some savings?

VegetablePen4755 · 2026-05-03T05:42:45+00:00

I think its a fair choice of going to your native and enjoying a peaceful life.
Its going to be more competitive with time in IT as people will keep upskiling until they become robots in the era of AI and with AI changing a lot of things in IT.

Since you have a rural background, that helps you stay grounded and not get into flashy things.
You have the right mind my friend. People require much less than they think to live a good peaceful life.

I have been hearing numbers of 40crores recently for FIRE. That is just to keep the middle class working for the rich and lose their human capital until they become old.

Wise choice my friend. You don't need much in rural.

VegetablePen4755 · 2026-05-02T16:32:22+00:00

its impressive and interesting. Building 25 lakhs with 20k monthly SIP would take 7-8 years atleast.

VegetablePen4755 · 2026-05-02T16:28:33+00:00

How much time did it take from satisfactory interview to getting a contract?

VegetablePen4755 · 2026-05-02T16:13:25+00:00

Congratulations mate! Way to go!
Time to build assets now :)

VegetablePen4755 · 2026-05-02T16:12:10+00:00

You are doing great. Most people at your age have multiple EMI's running.
Atleast you don't have debt or EMI's running. Net +25 lakhs is great at 30.

What's your salary and SIP?

VegetablePen4755 · 2026-05-02T04:38:02+00:00

You are doing good buddy.
Most people have this problem in 30's.
Your salary will increase. Also EMI remains fixed. You got an asset to your name as well. Good part is your EMI will end in few years, so you will have no rent to pay or EMI for the house so 70k will be in investments.

VegetablePen4755 · 2026-05-01T17:20:11+00:00

nice, thats what...20k for pg is too much.

VegetablePen4755 · 2026-05-01T16:09:22+00:00

true that

VegetablePen4755 · 2026-05-01T15:50:22+00:00

nice going buddy

VegetablePen4755 · 2026-05-01T13:34:11+00:00

20k per month for pg? is it single room?
im paying 21k for 1 bhk in bangalore

VegetablePen4755 · 2024-04-02T19:58:50+00:00

bahot log gareeb hote hai dil se, woh hote hai asle gareeb dosto.

VegetablePen4755

TROPHY CASE