Reached 3.9 cr (35M, 33F , 11 months 0ld kid)
We are mid-30s couple with a one year old baby boy.
Indian MF -1.57 cr ( 87 lac M, 70 lacs F)
EPF - 45 lacs ( 36 lacs M, 9 lacs F)
RSU - 26 lacs (vested)
Plot - 1.45 cr
FD - 8 lacs
Cash - 15 lacs
We are targeting 20cr ( excluding real estate and kids education) in the next 15 years but we both are insecure about our jobs. We both were above avg students and we both are from above avg institutes ( not the best ). I work for Microsoft and she works for deloitte. We save heavily ~ 4 lacs per month (including epf). I hope we stay relevant in the job market and reach our goal as early as possible.
We both are introverts, but like travelling and indulging in luxury. Other than that we have a very dull social life. We plan to send our child to Delhi Public School (nothing fancy) once he grows up and want to be prepared financially to send him to private institutions (even abroad) for higher education. I never had to take education loan and I hope my child also doesn’t have to take it.
We have covered only 10% of the journey so far. Please suggest ideas to speed up our journey.