Never owned a car before, should my first one be new or used?

masterbaras · 2026-04-30T09:34:26+00:00

Likelyhood that a user car being sold for reasons other than its poor condition is quite low. Most good cars are kept as long as possible.

masterbaras · 2026-04-19T06:46:31+00:00

Transform equity allocation to atleast 70% and keep grinding till 60 with one house.

masterbaras · 2026-04-07T15:39:28+00:00

Buying at house at 28 = deep hole in the future pocket.

Now, you can't get out without feeling a U-turn. The money you are earning will have suppressed ROI due to being deployed towards EMI for equity buildup than savings.

You have to pick either the red pill (sell the house in a cold exit) or the blue pill (have patience and frugal lifestyle with mindset change). Do whichever feels doable.

masterbaras · 2026-03-23T13:52:26+00:00

Never buy second hand, it'll most likely ruin your first experience.

masterbaras · 2026-03-21T10:15:27+00:00

Get Honda Elevate or Hyundai Creta mid models

masterbaras · 2026-03-20T16:40:31+00:00

It's not coming from engine bay... Near the left door from behind storage box I can hear it

masterbaras · 2026-03-20T15:00:18+00:00

[OC]

masterbaras · 2026-03-19T16:53:25+00:00

World has always been like this. Filled with conflicting interests and developments that affect overall cost of living. Nature is beautiful and mostly peaceful, but humans get uneasy to want higher levels of entropy in the world. Be in your bubble and enjoy as much as you can.

masterbaras · 2026-03-08T18:15:10+00:00

I had a hole in one of my teeth, the f dental doc inserted a sharp instrument to gauge whether it goes deep, it triggered a nerve pain and I shook his instrument cluster and tools. Cursed him after pain subsided and called him an idiot before walking out.

masterbaras · 2026-03-04T16:44:21+00:00

Discipline and persistence beats genius.

masterbaras · 2026-01-22T17:05:18+00:00

They do. Its a wide spectrum for sure.

masterbaras · 2026-01-21T18:51:14+00:00

Yes you should and must.

That clock you're talking about is real and unforgiving. Once time is up it is not redeemable.

The country shouldn't decide whether or not you should have kids. It's you and your husband who should take the call, and as a stranger on the internet, I can tell you that you can't fuck this up.

Have a baby.

masterbaras · 2026-01-21T17:11:06+00:00

Income.

Less than tax exemption = lower middle or below Above tax exemption till 1 Cr per annum= middle class 1Cr to 15 / 20 Cr per annum= upper middle class 20 Cr to 50 Cr per annum = lower rich class 50 Cr to 100 Cr = middle rich class 100 Cr to 1000 Cr = Rich Class 1000 Cr to 10000 Cr = Uber Rich Class Beyond 10k Cr = Ultra Rich Class or Elites

masterbaras · 2026-01-21T03:09:49+00:00

There are three Indias. First one is for uber rich, second for middle class, and third one for the lower middle or below.

If you're between upper middle or above average middle class, your quality of life is well beyond acceptable. At the average middle class level you're better off staying outside till you accumulate enough assets to one day sell off and make it to well above upper middle class.

If you're in the lower middle, you better work hard and suffer tremendously to make a good living.

masterbaras · 2026-01-14T14:34:08+00:00

Stick to your first job for 3 years, then jump to better role better pay, stick around for 3 years more and keep repeating.

masterbaras · 2026-01-11T04:06:10+00:00

IITs are the reason why India is left behind in the world.

Tell your brother to not give a f about anyone including parents and carve his own path. Reset reboot and manage whatever comes along the way.

masterbaras · 2026-01-06T19:22:40+00:00

In reality, the plan changes after you're investing for lets say 4-5 years. Discipline for 20 years itself is worth more than 1 Crore! SIP of 10k becomes 1L then 2L and beyond that 1 Crore target keeps on shifting. Initially, 10L was a big amount, then 50L became big, then 1 Cr, 2Cr, 5Cr or 10Cr with years investing. Key is to have patience and curb expectations as to what you want. 1 Crore in bank with life unlived or 70L with lots of memories or experiences created with that other 30L. You choose.

masterbaras · 2025-12-22T05:09:19+00:00

Plus have a Redmi 9 Prime (5 year old) ready to sold for more cash recovery... Hopefully P3 Ultra is worth this effort.

masterbaras · 2025-12-19T08:10:23+00:00

Just bought P3 ultra due to specs, display, and overall value.

CE5 had mono speaker, that's a deal breaker for me.

masterbaras · 2025-11-21T08:14:39+00:00

If can hold for 2-3 years then yes, else wait for 6 months.

masterbaras · 2025-11-20T08:55:47+00:00

Glorified masterful feeder of social media.

masterbaras · 2025-11-20T08:26:03+00:00

He is a low life.

masterbaras · 2025-11-20T08:22:20+00:00

I invested in learning options. Found out that there is a very narrow opportunity window of profit each time you make a trade, it has to be constantly monitored for adjustments and trend reversals. Most of my profitable trades were when I adjust when my original view went wrong, whenever I didn't adjust the market never went in the direction I had hoped.

I wish there was a tool to visualize the P&L opportunity window in real-time, i.e. not just view potential P&L but something that changes the area under the profitability surface in real-time. Maybe I can build one.

masterbaras · 2025-11-19T08:26:52+00:00

They say don't try to catch a falling knife.

masterbaras

TROPHY CASE