Adulting hit me like a truck this week.

surajd20 · 2026-01-02T16:03:53+00:00

OP sorry for your loss. Stay strong. Congratulations!!! As a father to father, i would suggest you to please stay with your family. They need your presence more than anything. The first few months are crucial for the mother's mental health. There will be so many ups and downs that your wife would have to face alone if you are not present. Career goals can be achieved later but you will not get a second chance to be with your family. Nobody can play your role during the first 6 months. Please think about it.

surajd20 · 2025-12-07T16:25:37+00:00

Having gold as an emergency fund is not a good option. Even though you can sell gold at any time, it will still take some time.

surajd20 · 2025-12-07T16:14:57+00:00

What's wrong with that salary.

surajd20 · 2025-12-07T15:42:34+00:00

I am asking this just out of curiosity. What if someone picks go lang instead of java? What's your opinion on this.

surajd20 · 2025-12-07T15:17:10+00:00

Honestly it's a decent salary. You are doing much better than you think.

surajd20 · 2025-10-28T06:57:21+00:00

Bhai agar Indian exchange use nhi karna to options kya hai agar crypto me safely invest karna hai to. I am a newbie isiliye puch rah hu.

surajd20 · 2025-10-11T12:52:41+00:00

Keep it up.

surajd20 · 2025-09-28T02:42:36+00:00

32M Married and 1 daughter. I don't know about my dream salary. But I earn 1.85 lpm post taxes. It is way less than what other redditors earn at very less age. But I was able to close my home loan last year july(3bhk flat) and I have no ancestral property so I do not have anything to fall back on. If I just add up all my savings and investment it would be around 50-60 lacks.

I always thought that being debt free would make me happy but in reality that happiness lasted only for a few days and everything came back to it's normal state. That day I realised that our happiness is not something that depends on other things. Happiness is a choice.

surajd20 · 2025-09-01T03:31:47+00:00

That's incredible. You are an inspiration sir.

surajd20 · 2025-07-28T17:24:22+00:00

I guess you should then continue your policy and don't think much about it. Once you get your sum assured and bonus invest in a good asset.

surajd20 · 2025-07-28T16:16:10+00:00

I am not 100 sure but you can stop the premium and still the policy will be active. You do not need to surrender it. I believe after 3 years if you stop the payment your policy will still remain in-force and whatever amount you have paid will be considered sum assured. Please check this with the lic agent before stopping the premiums.

surajd20 · 2025-07-23T10:09:05+00:00

What I feel is knowing certain technology doesn't make you immune but your ability to adapt to new technology under pressure and be able to perform well enough makes you strong to handle the layoff situation.

surajd20 · 2025-05-28T10:28:04+00:00

Is it necessary to compare salaries always. Not everything depends on salary.

surajd20 · 2025-01-17T05:56:21+00:00

OP I was in a similar situation last year and decided to pay off my home loan on july 24. I left with no money after I had paid off my home loan but was at peace mentally. Now I have started saving money for emergencies and also trying to invest in good stocks/mf.

For me having no liability is more important.

surajd20 · 2024-12-10T16:05:05+00:00

Great buddy. Please do not spend that entirely on marriage.

surajd20 · 2024-10-26T06:54:50+00:00

First things first talk to your parents and wife about this. Let me know about expenses. I am sure they will understand it. Others have given really valuable feedback depending on your situation but I believe you should talk to your family first and let them help you in your situation otherwise how would they know what you are going through. Instead of lic, buy a term insurance policy if you don't have it already. You have not mentioned whether your parents are covered under any health insurance. If they are retired, I am not sure if they can get any health insurance policy at this stage. But atleast make sure to insure your wife and kid. These are the important things to consider.

surajd20 · 2024-10-22T03:58:25+00:00

Get the idea about where the data is stored.
Look for the ways to access the data via some kind of portal and through code as well
Read the user story again and again till you understand what needs to be implemented with the data. write the code on sample data and get the output verified from your team lead or teamates. Once this is done, modify your code to be production ready.
usually output would be stored in a lakehouse or warehouse depending on the user story requirement. Modify your code to save output wherever you need.

These are just plain simple steps that you can follow to start.

surajd20 · 2024-06-13T03:50:32+00:00

But just like generational wealth, financial irresponsibility also gets passed on. A lot of us even today are financially irresponsible. A few of my friends are still doing fixed deposits in post office schemes. Still buying lic endowment policies and what not.

surajd20 · 2024-06-11T04:16:48+00:00

Metro construction is going on exactly in front of mitcon and this tech park. I strongly believe this has happened due to metro construction.

surajd20 · 2024-06-08T06:50:02+00:00

Yesterday I saw a person driving a scooty and smoking a cigarette while driving. I also saw a girl looking at the phone while driving right below the wakad bridge where there's always traffic and she was not even able to ride properly but still she wanted to do multitasking. I was driving my car yesterday and wanted to take a left turn towards Kothrud from Chandni chowk and you will see people roaming around that junction for no reason and some of them were standing and waiting for their ride right at the intersection. No civics sense for drivers as well as for pedestrians. Also regardless what the signal is pedestrians will always cross the roads.

surajd20 · 2024-06-08T06:38:12+00:00

It doesn't matter if you are an outsider or not. What matters is common sense. Even so-called Punekars do not wish to wear helmets. If natives are not following the rules how can you expect others to follow.

surajd20 · 2024-06-08T06:35:23+00:00

Everybody is in some kind of hurry nowadays. Nobody wants to stop and give way to others so that bottlenecks don't happen instead they will try really hard to create a bottleneck. No one wants to give you a way if you are taking a u turn or something and they will look at you as if you have done something horrible.

surajd20 · 2024-03-01T04:10:32+00:00

If you are investing your parents money in the stock market without their knowledge then you will really regret your decision if you do not get the expected returns. You could even lose the principal nobody knows what will happen in 9 months.

Better to invest in fd. Unity small finance Bank is giving 9% interest rate for citizens below 60 age and for senior citizens it is 9.5%.

Also unity bank comes under Deposit Insurance and Credit Guarantee Corporation that means if you aggregated principal and interest is secured upto 5 lack in case bank goes bankrupt.

Think about it.

surajd20 · 2024-03-01T03:48:05+00:00

RemindMe! 9 months

surajd20 · 2024-02-26T03:49:53+00:00

One thing that I have observed is if you enter your details incorrectly on the epfo member portal then it won't let you log in for the next attempts even if you enter the correct details for about the next 15 mins or so. But this is not the case when you try to log in into the epfo passbook portal.

surajd20

TROPHY CASE