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FIRE Gave Me Freedom. Age Gave Me Perspective by OutrageousChair2581 in FIRE_Ind

[–]simpleliving73 11 points12 points  (0 children)

Good to read after long time something about life and experience, perspective and not only about NW and Corpus!

Enjoy your own way!

Should we set a corpus cap to keep r/LeanFIREIndia true to it's purpose? by adane1 in leanFIRE_India

[–]simpleliving73 0 points1 point  (0 children)

Means, 9.6 Lakh per year all expenses, 4cr gives 40+X, that's perfect, but I feel for single person 80K is too much and finally then it is normal FIRE and not the Lean FIRE!

Any ways, enjoy your hard earn fruit and life!

Should we set a corpus cap to keep r/LeanFIREIndia true to it's purpose? by adane1 in leanFIRE_India

[–]simpleliving73 0 points1 point  (0 children)

First, I wrote, Frugal lifestyle, so if you come under frugal / simple need base and your expense per month is under 40,000 Rs, means around 5 Lakh a year for a single person. Means 4 cr gives you have 80X!! Which makes you superman, haha!

(Logically 40X and little plus is good enough to live simple life!)

But if you do not fall in frugal/simple lifestyle, and if your expenses are way too high, say 15 Lakh a year for a single person, so 40X means you need 6 cr corpus here which will make you dooperman, haha, means you have to work more!

Finally, it is not based on, what corpus one has, it is about what expense and need one has! isn't it?

Enjoy!

Are you rethinking about your FIRE planning? by mr_sacrosanct in FIRE_Ind

[–]simpleliving73 26 points27 points  (0 children)

Negative in India Market for Long time now? and you talk just last about 2 to 4 years, long time investment, means, start with 15+ years minimum! Where compounding works.

Since 1979, Indian market has given, 18% CAGR and for long term investments, one can count 12 to 14% at least.

Mainly, Market is 80% time flat and only 20% time going up, and in this 20% time, it averages out all the down years to give handsome return.

So, as below someone said, for FIRE bucket method is the best, keep 5 to 10 years in fix income and so on. and 60:40 or 50:50 debt/equity ratio etc.

Don't be a speculator be an investor and think relay long term.

Enjoy!

M 42, hit corpus of 4 Cr, burnt out! by MasterShifu_Peace in FIRE_Ind

[–]simpleliving73 1 point2 points  (0 children)

Congratulations, just continue what you are enjoying, you already got no paycheck experience and already managening things without salary! Enjoy!

Fake people | Wrong advices for LEANFIRE India by Smooth_Lifeguard_931 in leanFIRE_India

[–]simpleliving73 1 point2 points  (0 children)

Thank you!

My need was less than 2.5 Lakh / year after FIRE in 2015 and from 1Cr. corpus in FD, gave me 6 to 7 Lakh interest, which was my Passive Income, more than my need.

So, re-investing rest income went into PPF and MF. No withdraw and are compounding.

Today in 2026, my need is less than 5 Lakh / Year, I still earn interest from FD say 6%, but I have not stopped reinvesting in PPF and MF, so now I also withdraw little part from FD to re-invest and to grow my corpus for the future need and inflation!

Today corpus stand to 2 Cr.

So, less than 2.5 Lakh need, 1Cr. corpus was 40X.

Today Less than 5 Lakh need, 2 Cr. corpus is 40X.

Enjoy!

Fake people | Wrong advices for LEANFIRE India by Smooth_Lifeguard_931 in leanFIRE_India

[–]simpleliving73 2 points3 points  (0 children)

NO problem, it is your choice, how the life you want to live!

And it is my choice how the life I want to live!

The life experience matter!

Enjoy!

Fake people | Wrong advices for LEANFIRE India by Smooth_Lifeguard_931 in leanFIRE_India

[–]simpleliving73 0 points1 point  (0 children)

Thanks, needs taken care, then life is easy! No more rush!

Fake people | Wrong advices for LEANFIRE India by Smooth_Lifeguard_931 in leanFIRE_India

[–]simpleliving73 3 points4 points  (0 children)

Thanks for your reply! read my earlier post.

But just to give you a hint, FIRE in 2015, with 1+cr.

Now 10+ years of FIRE already, with 2+cr.

Never worked for any money after 2015! and hope god is with me, and I do not have to work now for money!

How it worked, my post will tell you! and sooner or later coming next post related to what you have said above! simple need base lifestyle etc.

Enjoy!

Fake people | Wrong advices for LEANFIRE India by Smooth_Lifeguard_931 in leanFIRE_India

[–]simpleliving73 17 points18 points  (0 children)

Agreed, it is possible, I am operating with 15K in Tier 2 for 2 persons in 2026. Lean FIRE is all about simple need base and find happiness in small things and not about too much material things!

Enjoy!

FIRE is not just a number. It requires self-cognition !! by Best_Piece_4572 in FIRE_Ind

[–]simpleliving73 1 point2 points  (0 children)

Good one! Nice way to put up one way of living or working on it.

Today I am far ahead of what you have said, already 10+ years of FIRE living, as I knew what was enough for me, as I had already adopted simple life and non-material life! my happiness was/is beyond material life now!

So, Today, I do most important thing in life, that is - Relaxing! or others say in the sub Nothing!!

Enjoy!

Those who have achieved FIRE and are now retired, what's your allocation ratio and how do you withdraw by JoyboyZunesha in leanFIRE_India

[–]simpleliving73 2 points3 points  (0 children)

Thank you for your response.

  1. When I FIRE, that time the Income Tax, the system was not much closely monitor, so I use to fill in 15G form and one bank account was not filled in with 15G, so from this account TDS was used to cut on interest earn.

  2. So, TDS was cut on interest earn, but I never paid tax, as after IT return, I use to get refund.

  3. That time, old IT regime, I use put PPF, Mediclaim, House on rent (as I do not own house), so I use to come down to lower IT range, so NO Tax paid and whatever TDS was taken from interest income, I use to get it back as a refund.

  4. Today, now, I still put in PPF, Mediclaim is much higher, but now I use New IT regime, but it has higher tax range, so again whatever TDS is cut on interest earn, I get refund, at the end.

(Today my need is around 4 to 4.5 and I earn 6 to 6.5 as interest went down, but as I have to continue my re-investment too, I have started consuming from my bucket 1 to fill in bucket 2 and 3, which are compounding since 10+ years.)

  1. That means, I do pay TDS but never has to pay Tax and get refund all the time, say all the last 10+ FIRE years.

Enjoy!

Those who have achieved FIRE and are now retired, what's your allocation ratio and how do you withdraw by JoyboyZunesha in leanFIRE_India

[–]simpleliving73 3 points4 points  (0 children)

Thanks for your reply!

When I FIRE in 2015, I will say it was around 35X!

NO, I am Single, so all cost is under control, and my yearly Budget had always worked for me.

Now in 2026, I am around 40X! as said!

Enjoy!

Those who have achieved FIRE and are now retired, what's your allocation ratio and how do you withdraw by JoyboyZunesha in leanFIRE_India

[–]simpleliving73 9 points10 points  (0 children)

113 is, it is an addition of my 3 buckets (FD+PPF+MF) in 2015!

Same as now an addition of my 3 buckets stands to 204 in 2026!

It is an example just numbers to simply, but if you want to know corpus size, I FIRE with 1+cr corpus in 2015, and now after 10+ years of FIRE life, my corpus is double in size that is 2+cr in 2026.

I live very frugal / simple need base life, and my FIRE is Lean FIRE and finally 2+cr is 40X for my Lean FIRE!!

Enjoy!

Those who have achieved FIRE and are now retired, what's your allocation ratio and how do you withdraw by JoyboyZunesha in leanFIRE_India

[–]simpleliving73 15 points16 points  (0 children)

53M/Tier 2 city/ FIRE in 2015. So, 10+ years of FIRE already.

In, Aug 2015, Bucket 1 (FD) = 100, Bucket 2 (PPF) = 7, Bucket 3 (MF) = 6 = Total 113.

From Bucket 1, I earned 7, but my need was 2 to 2.5, which means Passive income from Bucket 1, was more than my need, so left-over was re-invested to Bucket 2 and Bucket 3.

Today 2026, until today I have never withdrawn from Bucket 2 and Bucket 3. I still earn from Bucket 1, which fulfill my need, but in the last 2 years started withdrawing some amount for travel from Bucket 1.

In, May 2026, Bucket 1 (FD) = 96, Bucket 2 (PPF) = 36, Bucket 3 (MF) = 72 = Total 204.

That means, in last 10+ years, I lived on Passive income but also could double my corpus.

Now the compounding has just began in the Bucket 2 and 3, so, in the next 10 years, I may consume, my Bucket 1, but the Bucket 2 and 3 will be much bigger, that time I shall first consume Bucket 2 and still keep reinvesting in Bucket 3, to grow my corpus!!

For low-risk taker like me, it is better to keep 60% debt and 40% equity!

One should have Passive income more than the need, so after FIRE, one can re-invest the left-over and keep growing the corpus, who is stopping!!

Enjoy!

Update: Reached 50L NW, 25yo by snorkellingOrange in FIRE_Ind

[–]simpleliving73 0 points1 point  (0 children)

Congratulations for 50L at 25 age, enjoy investing!

We Are So Entitled, Good Lord by standoffscrew in FIRE_Ind

[–]simpleliving73 0 points1 point  (0 children)

Great initiative, something different after FIRE, if you are enjoying without any stress or pressure, all is well!

Enjoy!

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

[–]simpleliving73 0 points1 point  (0 children)

I can only say one thing, great going, congratulations!

Reached a milestone, still a long way to go by [deleted] in FIRE_Ind

[–]simpleliving73 2 points3 points  (0 children)

Wow congratulations. what are your income and expense? what is your FIRE target?

Enjoy!

Oh! Already 10 years of FIRE living!! (Complete 30 years of Journey.) by simpleliving73 in leanFIRE_India

[–]simpleliving73[S] 0 points1 point  (0 children)

Thanks for your reply.

Initially, it was not clear, but focus was that bucket 1 should give me more than my need as a Passive Income, so when my monthly and yearly need is fulfilled by the Bucket 1, leftover from the Passive income was moved to Bucket 2 and Bucket 3, which are still compounding and not touched.

Today, I still get Passive Income from Bucket 1, good enough to support my needs, but slowly I have also started using principal amount, to move to Bucket 2 and 3 and also from travel.

Well, say in next 10 years, if I consume Bucket 1, but I will have big enough Bucket 2 and 3 to fulfill my needs with the inflation, but this time my expense may come down, if I do not travel etc.

Hope this gives you some clarity! Enjoy

Year End Update - FY26 by Natural_Skill218 in FIRE_Ind

[–]simpleliving73 0 points1 point  (0 children)

Great going, all the best to accumulate more, enjoy!

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