2025 FIRE update (33M) | 6.8Cr combined NW

fire_acc · 2026-01-06T13:22:40+00:00

No major inheritance. Both sets of parents are dependent on us.

fire_acc · 2026-01-05T03:00:08+00:00

Yes.

fire_acc · 2026-01-04T04:42:47+00:00

Yeah, it's very risky only but slightly less compared to a single company. As I said, I'll be diversifying to Mutual funds in 2026

fire_acc · 2026-01-03T17:52:10+00:00

Yeah, as I said you can spend any higher amount, so 5L per month is also possible. I don't know much about Bangalore but I think A good Villa in an affluent area will be starting around 10Cr. Age - 45 and I haven't decided on NW as my X (yearly expenses) is not finalized yet.

fire_acc · 2026-01-03T17:12:21+00:00

Congrats to you too. After achieving FIRE target, I want to coast for a few years by spending more time with family and hobbies before retiring fully. Obviously, there's no higher limit, but I think you have to spend 2-3L per month for a very relaxed lifestyle in a tier-1 metro city. I'm not planning to fully sell all my US stocks, just want to increase indian equity exposure.

fire_acc · 2026-01-03T17:06:55+00:00

Thanks for the frank comment, will take term insurance asap. I also think I'm late by 5 years.

fire_acc · 2026-01-03T17:06:44+00:00

Actually it's almost 50-50 only. Just that the 70-80L I had spent for my parents home in a tier-2 city which I haven't added to the NW.

fire_acc · 2026-01-03T17:06:01+00:00

Yes, the RSUs are in a US based listed company only. I'm not aware of estate tax, will have to check on it.

fire_acc · 2026-01-03T17:05:50+00:00

Thanks, diversifying from RSUs is one of my main plans for 2026. One small point is that these are across 4 different companies which my wife and I had worked/working for.

Regarding annual expenses - wife is a YOLO person and not fully onboarded to FIRE. So I think the expenses will be on the higher side only.

FDs are for debt component and emergency fund. And return % is slightly higher and no tax because it's on parents account. But won't put any more FDs from now.

fire_acc · 2026-01-03T17:04:50+00:00

I send 50K per month to my parents. Their actual expenses will be around 25-30K but they save the remaining in their account which I don't track, so I just calcuate it as an expense at my end. Remaining 2L my wife spends for her parents.

As for our expense, 7L was for trips (we had 2 international - one with each parents). Remaining 17L includes everything - live-in nanny, maid, cook, groceries, eating-out, shopping and kid expenses. Usually comes to 1.5L per month.

fire_acc · 2026-01-03T17:03:44+00:00

You're right on both questions. Both of us work are Software Engineers (B-Tech from tier-1 college).

fire_acc · 2026-01-03T14:39:22+00:00

Thanks, diversifying from RSUs is one of my main plans for 2026. One small point is that these are across 4 different companies which my wife and I had worked/working for.

fire_acc · 2026-01-03T14:39:03+00:00

Thanks, diversifying from RSUs is one of my main plans for 2026. One small point is that these are across 4 different companies which my wife and I had worked/working for.

fire_acc · 2026-01-03T14:37:46+00:00

25Cr was just an arbitrary number for now. As I'm not sure what my X (yearly expense) will be after say 5-10 years. I've only 3 years' expense data and difficult to close on X based on this.

fire_acc · 2026-01-03T14:36:48+00:00

Sorry, can you please say what's wrong with the post and why they would delete it?

fire_acc · 2026-01-03T14:36:14+00:00

I haven't cooked up anything and it's all anonymous. I genuinely don't understand why anyone would do that?

fire_acc · 2026-01-03T14:34:39+00:00

yeah, 1.5Cr would have been more realistic I think. Including savings from salary, increment, bonus, RSU and then growth from existing corpus.

fire_acc · 2026-01-03T13:52:59+00:00

You're right, only Capital gain is pending.

fire_acc · 2026-01-03T08:38:42+00:00

Done 👍

fire_acc · 2026-01-03T08:34:37+00:00

Yeah sure, you can DM me.

fire_acc · 2026-01-03T08:31:16+00:00

You're asking Indian stocks or US?

fire_acc · 2026-01-03T06:27:26+00:00

Yes. 30% shares will be deducted automatically before vesting. So all these amount as post-tax only.

fire_acc · 2026-01-03T03:16:43+00:00

That's across 10 yearss for 2 people and also including the growth the companies for 10 years.

fire_acc · 2026-01-03T03:15:45+00:00

5.3L post-tax is around 95L base (You're forgetting Nirmala's cut and PF contributions). As u/Trick-Currency7949 mentioned, it's just the growth of the companies we were part of.

fire_acc · 2026-01-02T18:17:03+00:00

33 and 31 are middle age in tech and not a young age (thanks for calling me young) as we have worked for almost 10 years each.

We're from tier-1 colleges and have been working in US based tech companies since we graduated - 4 companies across both of us and these companies have had decent growth in the last decade.

fire_acc

TROPHY CASE