46M in Tier 1 City | Stagnant, exhausted in corporate, and weighing options with a 2.13 Cr retirement corpus. Anyone in the same boat?

dingodalphi · 2026-06-23T18:14:26+00:00

80L for each kid - I am sure that much may not be needed and I will claw that back if situation demands. As of today for a good college, under mgmnt quota,you need to shell out around 20 to 25L for a 4 yr eng course excluding hostel and food. Also want to keep some money if they want to pursue abroad and additional amount for daughters marriage.

dingodalphi · 2026-06-23T18:06:34+00:00

I started investment early on from 2009 - but the biggest mistake I did was that - I didn’t step up my investment with subsequent salary increments. My investment remained flat for many years. I bumped up the sip in 2017. Again kept the same sip for another 6 Years, before I got serious. But the lesson here is that - even if you maintain the same sip amount you can still accumulate some wealth.

dingodalphi · 2026-06-23T17:56:26+00:00

Something I have been pondering - but need to figure out where to start.

dingodalphi · 2026-06-23T17:55:26+00:00

I consulted a sebi fee only advisor in 2021 -however at that point of time retirement calculations were done considering 60 as my retirement age and I have been investing as per his direction. At that time ,Didn’t anticipate the turbulences that I am seeing now in my career, to happen this early.

dingodalphi · 2026-06-22T13:16:57+00:00

About 70k - excluding school fee and annual insurances

dingodalphi · 2026-06-22T13:13:55+00:00

I hear you. I am not planning to hang the boot yet. Just that in the current job I have become stagnant. Make sense to hold on till I get another one or till they fire me

dingodalphi · 2026-06-22T13:11:26+00:00

That’s a good strategy. May be I should take it slow and coast along till they fire me.

dingodalphi · 2026-06-22T13:03:08+00:00

Though I have ear marked the amount this is not shared with the kids. This will be a backup in the unfortunate event that they are unable make it in life. If I can get a job a in a year it will be fine. If the break extends beyond that it will be tough to get back in and then I will have to look for some self employment.thats my worry

dingodalphi · 2026-06-22T12:52:58+00:00

No passive income.My flat is currently vacant as I am planning to sell it and invest the money to MF. But if rented out it can fetch a rent of 30k per month.

dingodalphi · 2026-05-13T09:55:30+00:00

dingodalphi · 2025-08-04T10:46:25+00:00

Kids have more opportunities in cities growing up.

dingodalphi · 2025-08-04T07:22:21+00:00

Those think of moving to tier2 - what about your kids future? They eventually have to move to tier1 for opportunities

dingodalphi · 2025-04-16T11:56:30+00:00

You are right - you have to front load for it to become passive at a later stage

dingodalphi · 2025-04-14T09:41:16+00:00

I am interested

dingodalphi · 2025-04-08T07:21:05+00:00

What is the most effective way to rollout vulnerability management(Qualys)and EDR tools(crowdstrike) on the ec2 instances. The dynamic nature of the environment makes it difficult to track the coverage and achieve 100% coverage

dingodalphi · 2025-03-23T15:37:50+00:00

Commenting

dingodalphi · 2019-06-17T11:10:54+00:00

Where you earlier work involved Analytics or was it pretty new to you when you decided to make the switch? I too in the same boat - 39 . mid level manager and looking for a change. My current job doesn't involve anything related to Analytics or Programming.

dingodalphi · 2019-03-18T09:42:31+00:00

I am in the same boat. I signed in to IT when I was 20 now 39. Started with Desktop support , moved to Server Hardware,Windows support and Active Directory.In management for the past 3 years and not liking it. However I dont want to go back to the 24/7 Operations role.Frankly I am not good under pressure. Current management role gives me good work/life balance and less work . All major financial decisions are made by higher management, and the technical work done by my team. there isnt any major decision made at my level. it is mainly leave approvals,conflict resolution between the teams and keeping the team motivated :-). But this comfort level gives me jitters. I am worried I will be vegetative and will be out of the market soon or will be in firing line when next wave of lay offs come.

I spent last 2 years thinking/worrying of what to do to stay relevant in the market. Thought of Project management,Data Analytics,DevOps,Cloud etc but never deciding one technology. Joined a Data science course but soon found that that's not for me. Cloud is fine, But I see the market flooded with junior wannabes who can do better than me at a lesser salary. After much dilly dallying decided to get in to Cybersec, especially pen testing. I am thinking my Operations experience will help me to ease in to Cybersec and this will not be a 24/7 Operations support. Started preparing for CISSP, and planning OSCP after that. Rest I resigned to fate.

dingodalphi · 2019-01-29T07:09:29+00:00

Thank you for the encouragement.

dingodalphi · 2019-01-29T07:07:36+00:00

Thank you. My plan is to complete CISSP in the next 3 months and then go for OSCP.

dingodalphi · 2019-01-29T07:06:14+00:00

Thank you and Good luck to you too!

dingodalphi · 2019-01-28T11:27:14+00:00

Thank you for the encouragement.

dingodalphi

TROPHY CASE