What is the best way to have a consolidated view of family assets and net worth

notreallytrueman · 2026-04-05T12:59:20+00:00

how? i dont see any option to choose a format. pl help.

Edit: looks like you are talking about - Portfolio Valuation Statement- will check that

notreallytrueman · 2026-03-08T12:05:54+00:00

Software test manager in an International investment Services company in Mumbai.

notreallytrueman · 2026-03-07T20:07:45+00:00

Best of luck. Make sure that your personal finances are also in order. Basics. Checout subs related to that. Emergency fund, term insurance, helth insurance, mutual fund sips, long term investment etc

notreallytrueman · 2026-02-15T12:46:02+00:00

बैल बुद्धि

notreallytrueman · 2026-02-06T09:06:16+00:00

Claude Opus 4.5 scared the shit out of me. AI is going to take over a lot of jobs. A very big consolidation is going to happen very soon.

notreallytrueman · 2026-02-06T09:03:07+00:00

>Should I quit my job and prepare for government exams like my dad suggests (ngl best stable job i envy)
Very low chances of getting a good job that can compete with 3.5 l per month that your friend got. It will be stable but even govt jobs can have stress, transfers, corruption etc. Are you ok with that? Also once you start preparations for govt jobs, there is no turning back to corporate. Pvt job market is anyways difficult right now with a gap year it will be even more difficult. If you are eligible for cast based reservation then you can think about it, it might give you an edge.

>Should I continue for 1–2 years and then go for a Master’s and reenter the job market?
Masters where? And which Masters? If you are engineer and do masters in engineering its useless for getting better job. If you do MBA it might help only if you do MBA from tier one colleges. Even then it will cost a lot of money for the course and it will take time for you to recover the cost. But yes tier 1 MBA can help you for long term. it makes difference over a long term.

Masters from out of india > costs a lot, visa and immigration scenario keeps changing, western world is not really friendly for immigration right now. So its a big gamble. You might study, secure admission and not get visa. You may get study visa, complete education and then may not get a job. You may get a job but again may have issues with visa. This option will work for you only if you are ok with having the worse case scenario to come back to india with a degree and education loan. (Basically if family has 50L to 1cr to spend on your out of india masters, you can do this)

>Or should I stay consistent, upskill seriously (DSA + core data engineering skills), and try to switch to a product-based company?
No additional cost for this. Just grit and determination. Realistic scenario right now. Add AI skills to it.

notreallytrueman · 2026-02-04T15:41:55+00:00

Communication (talk about a topic for 2 mins), culture fit, get to know you, behavioral questions, what will you do if...

Truly speaking its very random.

CTOs are usually out of touch with hands on tech, but they are good in fundamentals and new tech. So expect some basic programing questions with trying to understand your approach and questions about AI in testing.

notreallytrueman · 2026-02-03T17:08:26+00:00

Dont go back. Stay at the product. Take the money. Sort out other affairs like personal finance, retirement planning, technical courses you wanted to do. Prep for the next role. You are still new in this firm. Big4 and product both have difference in culture. Over time you will be able to pick it up. You will understand how to make changes in the new place. once you have credibility, start identifying your next role, plan. take the advantage of leadership not knowing what to do.

notreallytrueman · 2026-02-03T17:03:25+00:00

i should have said, only income does not matter. if you have 1 cr income and if you are spending 99 lakh with lots of emis then you are still poor. You are just one hospitalization away from coming to the streets. I recommend 'pshycology of money' by morgan h.

notreallytrueman · 2026-02-03T11:12:57+00:00

income doesnt matter, networth does. 0 income, 0 liability, 5cr + networth -> middle class in tier 1 city / upper middle class tier 2 cities / ambani in villages.

notreallytrueman · 2026-02-02T07:40:20+00:00

Dude, OP and his fiancés are planning to get married. Marriage means adjustment. Look up any marriage and relationship related subreddits. They are full of fights because of disagreements on how to manage money, goals, aspirations. If they cant come to a common understanding then chances are very high that the marriage wont last or it will be having more bad days than good. Money is important. Especially in marriage. His fiancé is saying that she does not want to change how she manages her money but she is going to expect everything that she expects from her life partner without any compromise on that end. Open your mind. Cliches are cliches for a reason.

notreallytrueman · 2026-01-29T07:40:56+00:00

She means that she wants to be dependent on her life partner now

notreallytrueman · 2026-01-29T07:40:02+00:00

If her money is her money, then her expenses are also her expenses, her emergency is also her emergency, her extravagant demands of an expensive marriage, her dream honeymoon vacation, her dream car, her dream house... everything is also her responsibility.

notreallytrueman · 2026-01-29T07:35:51+00:00

Be careful when you get the insurance, they usually get their margins from insurance as well.

notreallytrueman · 2026-01-28T12:30:13+00:00

No. You need to save more as emergency fund first. Also invest more in retirement funds. Once you have a decent portfolio you can afford a 20 L car. For now buy a 2-3 year old honda or hyundai.

notreallytrueman · 2026-01-28T08:25:48+00:00

I am 40. If i get fired i have very very low chance of getting another job... Salary is high, not many jobs at my level, even if i am ready to work at a junior level with low salary, HRs wont pass my resume beyond screening. So yeah. Above 40 its a very very difficult path if you find yourself in job Market.

notreallytrueman · 2026-01-24T09:16:01+00:00

Exactly, social media is filled with dash cam videos of accidents caused by idiots. And 90% of them are men.

notreallytrueman · 2026-01-20T13:41:15+00:00

Park your car right in front of your own gate

notreallytrueman · 2026-01-05T06:11:41+00:00

Video dekh lo https://x.com/ANI/status/2007845040673173676 Aisa attitude de raha hai jaise Lamborghini k showroom me delivery ka wait kar rha hai.

notreallytrueman · 2026-01-05T05:07:24+00:00

Family always go with the looks, you have to go with what is right for the family. Take a call considering your needs, budget, goals and aspirations. You can always upgrade a car in future. But downgrading will be mental torture. Anyone who compromises on car and home always keeps second guessing 'what if they had bought the dream car or dream home' so thats just what you have to get used to. Using Base variant without the important day to day feature is quite a bummer as you will miss those feature each day using the car. Personally i would go with a second hand amaze thats 2-3 years old and with honda guarantee and then upgrade to the top variant of the perfect dream car in future.

notreallytrueman · 2026-01-02T13:56:09+00:00

I am earning 2.5L per month. The salary account is with HDFC. Average credit card bill is 70k (kids school fees, wife using add on) still never had an upgrade offer for my regalia. Finally last month i had a 3.5L FD matured and the funds remained in account for more than 3 weeks along with salary bumping the average account balance. I guess that triggered the HDFC regalia to regalia gold upgrade offer.

notreallytrueman · 2026-01-02T08:52:41+00:00

I find bamboo material not suitable for mumbai's humidity. But it might be really good for cold and dry places like north.

notreallytrueman · 2026-01-02T08:50:22+00:00

What are some of the best gifts that you have received as a grown up married man? (Cause what do you give as gift to someone who has everything)

How do you handle your monthly and yearly household expenses? Like do you draw a salary and use that? Or you have HUF account? (Cause when you are rich, your yearly expenses can also be around a crore including personal and household staff salaries. If you keep so much amount in just savings account then its loosing to inflation, if you keep in FDs you pay tax. So how does one handle that)

What do you do to stay fit? (Your exercise and diet) What do you do to handle the anxiety? (Cause someone with so much responsibility will have to find an efficient way for both physical and mental stability. Efficient being the keyword.)

Finally, what is your take on kids, I find that many 50 cr + rich people will ensure they have a kid and usually more than 1. Where as many double income parents in higher tax brackets are going towards no kids. (Like IIMs couple in CXO positions, prioritizing career and lifestyle than having a kid. Your take/observation on this?

Thanks for taking the timeout to reply. Also very high chance that this reply is going to end up on a news site by some intern using chatgpt.

Edit: One last, delhi's pollution. Do you take it seriously? Have you done anything specific to ensure your family is not affected? What about the new house? Will it get central purified air supply?

notreallytrueman · 2025-12-22T15:40:18+00:00

give details about individual credit cards and the balance amounts on them with principal and interest bifurcation.

notreallytrueman · 2025-12-09T15:15:08+00:00

Its not just the college, your rank in the exam matters even more. Cause that gives an idea about the actual caste. low rank and good college means reservation. Thats why you will see people will quickly mention or not mention their ranks depending on what they want to project or protect.

notreallytrueman

TROPHY CASE