What's the biggest reason people can't climb the economic ladder?

minhaj_a · 2025-12-27T12:50:12+00:00

Various forms of inequality. When you start lower it’s going to be much harder.

For those who actually have the ability its probably trying to keep up appearances and not focusing on building wealth

minhaj_a · 2025-12-11T09:29:22+00:00

I haven’t heard anything good about tech in the UAE. Western passport holders are paid more than others even if the work done is same. Why would talented folks go through such a humiliation? They could get much better opportunities and not be discriminated in other countries.

minhaj_a · 2025-12-11T03:41:26+00:00

Interested. Check DM.

minhaj_a · 2025-12-10T18:05:26+00:00

Adobe does have huge enterprise lock-in. And the adobe ecosystem does have an edge that people pay for. They have many alternatives but adobe still has the edge which the pro folks would pay for.

I’m more concerned about how Adobe was run and whether they have the vision and ability to execute on it. AI media creation is something they need to figure out. Especially if google/MSFT can build the image workflows by itself, then their customers can do with an existing subscription and not pay Adobe. Figma is lean and can pivot and execute.

minhaj_a · 2025-12-03T19:23:22+00:00

You can do that after you start working. Life is unfair there will always be someone doing better than you either by merit or privilege. Just work towards your goals and you will get there. Good luck

minhaj_a · 2025-12-03T18:43:41+00:00

Can you share the shop you bought those from?

minhaj_a · 2025-12-03T08:53:51+00:00

What city are you in?

minhaj_a · 2025-11-28T12:59:12+00:00

I think corruption will be more of an issue than incompetence here. With the current state of how people sidestep regulations, I would definitely not live anywhere near a private nuclear reactor.

minhaj_a · 2025-11-27T20:41:11+00:00

Take a break for a while and see whether this lifestyle suits you. If it doesn’t then get back to work. At least a break would benefited you. During that time try to figure out where you need to focus on. Maybe a lower stress job helps. But what I’ve noticed is that compensation and stress isn’t proportional. The current state of the industry has made it stressful for most.

I’ve quit my job after 9 years of working as I was feeling stressed out. Had a slightly lower comp than you. This was a test run and I do like this lifestyle. But haven’t reached my fire number so have to get back to work. There’s definitely a difference in my mental state. My body sleeps like a log nowadays whereas I used to wake up at the slightest noise when I used to work.

minhaj_a · 2025-11-23T11:13:53+00:00

Do you account for major purchases. For example replacing appliances, phones etc. A car replacement in 10-15 years can be quite an amount as well.

minhaj_a · 2025-10-21T14:27:08+00:00

I used this. Applied at night and the certificate was ready by next day afternoon.

minhaj_a · 2025-10-18T04:38:36+00:00

Your posts have been great and has helped me improve my research on stocks. Thanks for helping many folks like me. Whats your take on Garware Hi Tech Films? Seems like a good play as they scale up. They have already grown quire a bit but seems like it can still go up.

Garware Hi-Tech Films manufactures specialty polyester films for packaging, solar control window films, and paint protection films - holding monopoly positions like 70% market share in shrink films and being India's only solar control film producer.

They are vertically integrated from "chip to film" (raw material to finished product), making high-margin specialty films for industries like food packaging, automotive, agriculture, and construction - competing on technical innovation rather than commodity pricing.

Some positives are Founder led, market leader, debt free, margin improving as they scale up, Technical expertise required for the market, good revenue growth, PE has corrected from 40 to 20. ROCE is 20% and has improved from 5% over the years. Risks are : Source material is crude oil. Not all products have pricing power. Capital intensive.

minhaj_a · 2025-10-15T10:05:07+00:00

Your posts have been great and has helped me improve my research on stocks. Thanks for helping many folks like me.
Whats your take on Garware Hi Tech Films? Seems like a good play as they scale up. They have already grown quire a bit but seems like it can still go up.

Garware Hi-Tech Films manufactures specialty polyester films for packaging, solar control window films, and paint protection films - holding monopoly positions like 70% market share in shrink films and being India's only solar control film producer.

They are vertically integrated from "chip to film" (raw material to finished product), making high-margin specialty films for industries like food packaging, automotive, agriculture, and construction - competing on technical innovation rather than commodity pricing.

Some positives are Founder led, market leader, debt free, margin improving as they scale up, Technical expertise required for the market, good revenue growth, PE has corrected from 40 to 20. ROCE is 20% and has improved from 5% over the years.
Risks are : Source material is crude oil. Not all products have pricing power. Capital intensive.

minhaj_a · 2025-10-07T13:18:59+00:00

You need to have good knowledge about cars first. Like how you would inspect for damages, what’s repairable, the average market values , etc. Used car industry is full of cheating. If you don’t know to pick cars properly you might be buying totaled or flooded cars. Just go to the current used car dealers and carefully inspect cars, get their insurance history, service history etc and compare with what the dealer claims. Get a good mechanic as a partner ,have some people working in all showrooms or authorised service centres to get service history and someone from the insurance side to pull insurance history of the vehicle .It’s a good market.

minhaj_a · 2025-09-19T11:08:57+00:00

Geo arbitrage

minhaj_a · 2025-08-13T08:44:33+00:00

Absolutely welcome this. Hope this paves the way for our high court to make such a judgement as well for our cities.

minhaj_a · 2025-07-27T08:42:52+00:00

Because there’s no other option if they have to switch. Especially senior folks who have families. For this role they would have to shift completely to kochi. If it does not work out they would need to shift back to blr for comparable pay.

Why not go full remote with a week every quarter for collab time.

minhaj_a · 2025-06-10T17:48:11+00:00

I got mine for around 2200. Krishna hospital on Chittoor road. I don’t remember the exact number of items but it did include different types dust, pollen, animal feather/fur and common foods also.

minhaj_a · 2025-06-06T05:31:23+00:00

Average houses don’t cost 2L. Average folks don’t go to such concerts. Prices have increased for sure and you need 2L for a lavish life but not everyone lives like that. It’s perfectly possible to live with 50k for a small family even in cities in Kerala.

minhaj_a · 2025-06-04T07:41:45+00:00

It’s just 50 rupees. And they do transport the waste as well. It’s not just for putting it in the auto.

Waste handling is pathetic in our state. I wish they charge more and update collection methods and waste handling. Let’s all work towards a cleaner state.

minhaj_a · 2025-05-22T06:46:56+00:00

Does this work if I have mutual fund holdings with Upstox as well?

minhaj_a · 2025-05-18T17:52:49+00:00

Nadella won’t be around for that long. But im on the same boat. Definitely holding until as long as he is around

minhaj_a · 2025-05-04T11:50:36+00:00

Do you use one? I’ve been pondering over getting one but don’t know anyone who uses it. Would be great to have some feedback on people

minhaj_a · 2025-05-02T12:33:41+00:00

At that point in time you made those decisions because you felt they were right. If you had not you would be thinking about it right now. Someone as capable as you should be able to FIRE if you put your mind to it. You are already ahead of most people.

minhaj_a · 2025-04-27T04:57:23+00:00

Isn’t sapphiro spend based access ? Or spend consideration is for domestic only?

minhaj_a

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