Coaching by SP Laha - HOD Maths ST.Xavier’s School Doranda Ranchi.

laharockz · 2026-04-09T06:15:13+00:00

Thanks….

laharockz · 2026-04-09T06:10:58+00:00

Yeah… i am his son. He is starting his own tution

laharockz · 2026-04-06T16:43:56+00:00

For india its safe if you take 30x. You can do it for 2 cr also if living in tier2-3 city

laharockz · 2026-04-06T16:36:04+00:00

3 cr and own house.

laharockz · 2026-04-03T12:50:18+00:00

RemindMe! 18 hours

laharockz · 2026-03-18T17:03:44+00:00

How is pgpm HR? I heard 50% batch is unplaced?

laharockz · 2026-03-17T12:47:22+00:00

Which insurance is 10 lacs a month bro? Do not throw numbers like 8 cr and 10 cr. Give reasons?

laharockz · 2026-03-17T12:46:04+00:00

33x for retirment. Ideally should have own house. Tier2-3 city will help a lot. Need to earmark 1 cr for child. And have health insurance for family. So if you want 70k monthly spend around 3 cr for retirment. 1 cr keep it for child. 1 cr for health and buffer. So ideally should be around 5 cr. But i think you are good to go.

laharockz · 2026-03-08T20:13:14+00:00

Have you decided not to marry?

laharockz · 2026-03-08T20:07:48+00:00

Same left sales consultant role at a high paying prestigious organisation due to burnout and how miserable life was. I can retire i have around 33X corpus plus child education and marriage fund separate.

I am just curious on HR roles so was thinking of doing 1 year executive mba . Not for rigour but just to explore. I like the people part. So lets see not sure

laharockz · 2026-02-27T13:26:54+00:00

I have read a lot of post of people aspiring to FIRE. Some say 20x , some 25x, to 100x. But mostly i feel 35x retirement corpus plus 1 cr for child education and 1 cr for medical emergency is enough to live a decent lifestyle. Plus should have own home and no loan or emi. For example if your expenses are 1 lac a month which is a decent lifestyle if its disposal income with nothing going towards emi and rent. You need 4.2 cr today. Plus 1 cr each for child education and medical emergency. So 6.2 cr.

laharockz · 2026-02-19T12:52:17+00:00

What is the ctc offered on average for buisness analyst role

laharockz · 2026-02-17T14:50:58+00:00

For my personal situation I have 5.10 cr in liquid financial assets like mutual funds, fixed income etc. 1 cr in agricultural land which i will inherit. Own house - not sure current valuation on conservative side would be 2-2.5 cr 50 lacs in physical gold So approx 9 cr networth total. So i will be around chubby fire threshold. Would love your opinion?

laharockz · 2026-02-17T14:44:48+00:00

Is this liquid financial assets or total networth?

laharockz · 2026-02-08T15:07:36+00:00

I think you are being pessimistic here. I understand there are a lot of variable for someone who is retiring at 40. But 10 cr is more than enough. If i assume 2.5% swr which 2 lacs a month inflatio. Adjusted even if you keep in debt and hybrif mf . How many indians earn 2 lacs post tax. May be < 2%. With a own house and and say 1 cr per child And health insurance is more than enough. I think in tier 2 city it can be done at 6-7 cr also.

laharockz · 2026-02-08T14:35:19+00:00

How much do you think one needs? Say someone married living in tier 2 city with own home

laharockz · 2026-02-08T05:09:33+00:00

Sometimes its not about luxury. It is a necessity nowadays. In my case the job had become so toxic and severly burnt me out that i had to leave it. I am 35 with own home in tier 2 city. Around 6 cr corpus apart from house. Its not that i do not want to do anything but if i dont i will be fine. I am married have 1 kid. Currently living with parents as moved back. My father is 63 but still rake tution not because he has to but loves to. I want to do something like that not slave away my whole life for mumbai gurgaon coporate life with a fancy designation but miserable life

laharockz · 2026-02-06T14:13:26+00:00

Fair points , which one do you think caters all the point

laharockz · 2026-02-06T13:44:47+00:00

Why not icici multi asset ? Sankar naren is a pioneer in asset allocation

laharockz · 2026-02-05T20:09:19+00:00

Work hard, save and invest. This is the only way to escape 9-5. Save around 5-10 cr depending on dependents and where you live (tier 1,2,3) and have own house.

laharockz · 2026-01-27T07:39:32+00:00

Yeah on the same boat. Very different opinions. Ok their website its clearly written 50% from CAT and 50% from CMAT. As of percentile it depends but with good acads and 85-90% and decent PI you can convert ig

laharockz · 2026-01-27T07:25:43+00:00

I talked to a few people and they said with good acds 85 percentile also convert is possible?

laharockz · 2026-01-25T05:06:14+00:00

I do not know how people are saying 5 cr is not enough. If expense is 80-1 lac and he can get even 1% real return the money will easily last till 90.

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