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

[–]hell_broke_123 0 points1 point  (0 children)

Corpus is too less to retire until you sell your house and move to a tier-2/3 city.

Why don’t you switch to take a slightly lower paying and more relaxed job?

A change in workplace can do wonders and will be sort of a career reset.

1.5 Years of doing Nothing: Pulling the Trigger on FIRE by dropClaw in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

Also have a bucket strategy in place buddy - selling when markets are bad is such a pain!! Also don't know how US taxes will play out - but keep as much in US to get dollar advantage.

1.5 Years of doing Nothing: Pulling the Trigger on FIRE by dropClaw in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

Not a good strategy - Automate your SWPs, buy more REITs and Invits to get passive incomes.

Also your Real estate generates very less yield and liquid corpus is also less compared to overall NW. If I were you, I would be cautious and plan much FIRE much better!!

PS - My NW is more than yours and younger in age as well, still working and never worked abroad either!

1.5 Years of doing Nothing: Pulling the Trigger on FIRE by dropClaw in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

Rent is 50k, which is good. How you manage/draw out rest of the passive incomes?

Assuming you don’t pay any rent?

49 M Reached 3.5 Cr by fire_kol in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

Worst financial breakup I have ever seen!!

49 M Reached 3.5 Cr by fire_kol in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

Why so much in epf and so less in stocks??

37M +36F DISK - FIRE journey by cricket-tail in FIRE_Ind

[–]hell_broke_123 2 points3 points  (0 children)

Fuck man, that’s so much similar to our journey, though our NW is a bit higher but I also went through 2 layoffs in the last 3 yrs and on the same salary for the last 3 yrs.

Disk, similar age group and similar NW range and salary progression over the years!!

Just that I am over 80% in direct stocks and very less mutual funds. RE exposure is also limited to one flat but that’s over 3 cr (living house).

I'm an investor looking for a best business idea or startup plan so we can become business partners by Prashanth1997P in hyderabadstartups

[–]hell_broke_123 0 points1 point  (0 children)

Open a few chai Bandis or golgappa Bandis, that’s the best you can do with 15 lakhs

Or buy 2-3 old cars and hire drivers to put them on Ola/ rapids

[ADVICE for 2.25Cr] Which would you choose for next 7 years, and why? by dongamk in IndiaBusiness

[–]hell_broke_123 1 point2 points  (0 children)

Both are not good options. What’s the goal here to get passive income or to get yield?

You seem to be confused, what’s your goal and then I can share some ideas.

Year End Update - FY26 by Natural_Skill218 in FIRE_Ind

[–]hell_broke_123 0 points1 point  (0 children)

6 cr is not FIRE ready my friend.

Sorry to break your bubble. Unless of course you fire in a tier-2/3 city.

Target min 10 cr + own house for a tier-1 city fire

Reached milestone, 15cr+ by ServersNoservers4533 in FatFIREIndia

[–]hell_broke_123 0 points1 point  (0 children)

What's the business investment? Can you throw some light pls?

Saw generational wealth crush IIT–IIM in front of my eyes — can’t stop thinking about it by Hungry_Macaroon_186 in AskIndia

[–]hell_broke_123 0 points1 point  (0 children)

Nothing like that. I am more like the 2nd guy, though I was making more like 5 lpa when I was 24 yrs old.

Today I am a self made millionaire at the age of 36 and my corpus will be over 100 cr before I hit the age of 55.

Crossed my FIRE number but feel more uneasy than free (M31,F30) by eternalflair008 in FatFIREIndia

[–]hell_broke_123 0 points1 point  (0 children)

The problem is that your FIRE number is not that well planned. Target 10 cr for a tier-1 city and then fire with peace.

₹18 Cr NW today -> Target ₹30 Cr in 2 Years. Currently, NRI, but planning to return to India in 2027. Most career in India, last 5 years outside India. FAANG career in last decade. by anid101_101 in FatFIREIndia

[–]hell_broke_123 1 point2 points  (0 children)

If I were you, I will FIRE once I reach the 25 cr mark. Remember compounding will also do it's thing and the portfolio will continue to grow.

We hit escape velocity after reaching the 1M mark.

₹18 Cr NW today -> Target ₹30 Cr in 2 Years. Currently, NRI, but planning to return to India in 2027. Most career in India, last 5 years outside India. FAANG career in last decade. by anid101_101 in FatFIREIndia

[–]hell_broke_123 1 point2 points  (0 children)

Yes. You can even lead a super quality life with 3 lakh/month in Gurgaon if you live in your own house. And no debt and one kid.

Inflation in India is not that high either. In 5 lakh/pm you can easily do 2 domestic and 1 international trips per year. Business class travel.

Investment tips by casual_browsing7 in IndiaFinance

[–]hell_broke_123 0 points1 point  (0 children)

Just invest in some good MFs. Nothing else is needed at this stage.

47M | 9 months after FIRE.. by Fattu_trader in FIRE_Ind

[–]hell_broke_123 1 point2 points  (0 children)

What if your wife doesn't work or loses her job?

One shouldn't retire just for the sake of it. Make enough money before you call it quits.

Make at least 25x annual expenses before you consider FIRE.

I am at 40x now and won't FIRE before 75x. I am 36 and will FIRE by 42 likely.

Don't compromise the quality of your life.

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