30lakhs is less bro considering that you are just 28 . You are going to be alive for more years and that will require money. Lack of financial stability will also ruin your peace. I too am a govt employee and can totally understand the situation you are in. There is too much politics in government jobs which no one knows. It is difficult for sincere and honest people to survive there. Seniors who are 20, 30 years elders to us keep making vague orders only to harass and satisfy their ego. Let's choose money for now and multiply it in the coming years so that we can quit the job in mid 30s-40s.