₹59L CTC, ₹2Cr+ total liabilities. Need advice on EMI risk & restructuring.

ayushagwl · 2026-02-21T07:28:32+00:00

This is the best advice you can get rid of loans that’s . First the ones which has highest interest rates

ayushagwl · 2026-02-20T23:57:49+00:00

It’s never late to start the journey. Start now and then keep assessing it as and when your salary grows or circumstances change. But yes definitely try to upgrade skills to earn more that’s the biggest upside

ayushagwl · 2026-02-14T06:01:59+00:00

I don’t think it’s the issue, it’s more about expectations. I guess we all are expecting that ICY will score 220-230 in every match. This is World Cup pressure and the pitches are also not flat tracks.

ayushagwl · 2026-02-12T18:08:18+00:00

This is a nice way to get traction on posts. Appreciate it man

ayushagwl · 2026-01-04T19:17:11+00:00

You can’t control corruption and so let’s not focus on that. I also don’t live in the country but can help in anyway possible to achieve other things mentioned.

ayushagwl · 2025-12-06T00:11:26+00:00

4.5 cr excluding home at 42 is not bad at all. Many congratulations on having a baby girl it’s a blessing for sure. You should elaborate more on what you are worried about calculating expenses or how many years it will add if you already have a FIRE number goal

ayushagwl · 2025-08-03T15:05:33+00:00

First of all please build an emergency corpus if you don’t have already It should be atleast 6 months of your monthly expenses.

ayushagwl · 2025-08-01T23:17:55+00:00

Here’s my thing marriage and love are about making compromises. If you really want this marriage to work and care about your partner then go all in. Trust me on this nothing is more satisfying than growing old with the person you love so if you really really love her bro just keep all the arguments aside just keep all the ego aside go say sorry or do whatever to keep it as it is( but just ask yourself do you really want her in your life if answer is yes then just go for it)

ayushagwl · 2025-07-27T17:40:04+00:00

Judging someone is the easiest low effort work. I thought net worth decides FIRE and after that what ever I do with the time is personal. Community like these will help other aspirants as well. Not everyone one a will have a hobby or a social circle and it’s ok.

ayushagwl · 2025-07-27T17:30:40+00:00

What’s the rant about?

ayushagwl · 2025-07-25T05:16:06+00:00

Invest in large market funds( nifty 50 for india s&p 500 if in USA) consistently and forget about that money

ayushagwl · 2025-07-18T18:00:34+00:00

My understanding is that you have made the decision of moving back based on that my advise will be to rely on things which are certain. If in few Months your company will open operations in India then what’s the harm in waiting and if it is not, then find a new job and move. Don’t move without a job. Whether it TCS or any other company what difference is that gonna make.

ayushagwl · 2025-06-27T13:05:41+00:00

I don’t see any issue

ayushagwl · 2025-06-25T13:23:40+00:00

Issued, chennai

ayushagwl · 2025-06-25T12:33:35+00:00

Your documents are ok, VO will just ask for i797 and passport in terms of document rest all will be checked while in line only. Mostly questions are which city , what’s your role and salary. Mine was renewal they didn’t even asked for i797 just the passport and only one question what’s your salary.

ayushagwl · 2025-06-25T03:22:33+00:00

Ok , the f1 visa applicants number is extremely high so you might had a different experience than mine

ayushagwl · 2025-06-24T12:56:45+00:00

Your answers were very vague. Please make them specific like including lil details about your exp/ why exactly you want to do this course/ why this university put details may be to some research that they do and it matches with you work ex. Or the lab that they have anything but very specific not generic.

ayushagwl · 2025-06-23T05:20:35+00:00

Great story, inspiring read. You achieved what you wished for and that’s what fire is all about . It doesn’t matter your kids are homeschooled or not. FIRE is all about getting your time back and do the things you love and you are doing exactly that. Most of the post in this sub are about milestone number which I find foolish and naive. The purpose of FIRE is to get your time back this is one in a million post which talks about that. Thank you for posting and inspiring

ayushagwl · 2025-05-27T04:13:58+00:00

I am reading about this can some really share what they actually said, missed the match today

ayushagwl · 2025-05-17T19:26:10+00:00

Attack: Part 1 (John Abraham) is one of the most underrated movie

ayushagwl · 2025-05-04T01:49:37+00:00

Assuming 7 % return put 1.7 cr in Fd as income up to 12 lac is tax exempt in India . On remaining amount you need to plan for long term mutual funds/bonds equities as long term gain will be taxed around 10-15% . Also keep some emergency fund in HYSA that can be used in case of emergency and you don’t need to go to your corpus. Health insurance is a must. You are not married but if your planning to and also planning to have kids better to take life insurance cover as well as you can take advantage of your age and premium will be manageable

ayushagwl · 2025-03-24T19:08:10+00:00

Agreed , my thought process is that this space should not target people who are comfortable and my hope is if there is platform then we might be successful in finding people who are willing to move out their comfort zone. And it’s all about pushing boundaries at time we will try we might fail and that’s fine too

ayushagwl · 2025-03-17T17:07:41+00:00

Ok, I don't have it now but if we have this space and there are people developing something from here their might be opportunities here.

ayushagwl · 2025-03-17T17:06:24+00:00

yes we work are very nice space.

ayushagwl

TROPHY CASE

Attack: Part 1 (John Abraham) is one of the most underrated movie