u/Brave-Application-28

I started semaglutide on March 9 at 105 kg (5’6”). I’m now finishing my 0.5 mg weekly dose at 101 kg and I feel confused because during the first 4–5 weeks, even at 0.25 mg, the appetite suppression felt stronger.

Now at 0.5:
- food noise is still somewhat improved,
- but I definitely feel hungrier,
- portion control is harder,
- and I don’t get that “I physically can’t eat more” feeling as much anymore.

I’m still planning to escalate to 1 mg as per schedule, but I wanted to ask — did anyone else experience this specifically at 0.5 mg? Was it a temporary adjustment phase, a plateau, or did things improve again at 1 mg?

Would love to hear others’ experiences.

31 F married to 31M. Looking for honest feedback on our finances and future planning.

Income:
- Me: ₹1.1L/month
- Husband: ₹1.2L/month

Combined monthly income: ~₹2.44L

Current assets:

Mine:
- Bank + emergency funds: ~₹2L
- FD: ₹1.5L
- PPF: ₹9L
- Mutual funds: ₹9L
- Stocks: ₹6L
- Gold: ₹4L

Husband:
- FD: ₹10L
- Savings account: ₹6L

Combined net worth: ~₹47–48L

Monthly expenses:
- Mine: ~₹66k
- Husband: ~₹70–80k

Investments:
- My SIP: ₹50k/month
- Husband mostly keeps money in FD / savings account

Other details:
- No loans, no debt
- No house, no car
- Health insurance ₹35k/year (adding maternity cover soon)
- Planning baby in next 3 years
- Goal: retire by 50 ideally in a tier 2 city
- Want good schooling for child + 1–2 foreign trips/year
- Currently living in separate cities, so frequent travel costs are high

Lifestyle / spending issue:
We both earn decently but don’t optimize spending much. We order from Swiggy/Blinkit/Instamart for convenience, buy things without comparing prices/offers, spend freely during travel/airports, and don’t use credit cards/reward systems. Basically high convenience spending and little cost control.

Questions:

1. How are we doing financially for age 30/31?
2. What major gaps or mistakes do you see?
3. Should husband keep ₹10L FD or move some into mutual funds?
4. Better to invest jointly or keep separate portfolios as a couple?
5. Is retiring by 50 realistic with our current numbers?
6. Should we cut lifestyle spending or just focus on increasing income?
7. Will credit cards / reward systems help frequent travelers like us?
8. What easy systems helped you reduce wasteful spending without feeling deprived?

Would really appreciate practical advice from experienced people.I have no other advisers and husband takes no interest in financial planning so I have to plan for both.