u/Ok-Employer-7841

23M with a Total Credit of 9 Lakhs with a credit age of just 10 Months. My Salary is also Less than 50k.

Started working 6 months back.

HDFC Swiggy - 3 Lakhs (1st Unsecured Card)

AU SFB Kiwi Kosmo Card - 2 Lakhs

ICICI Amazon Pay - 4 Lakhs

Steps to Take -

If you are new and no credit report/score exists create a FD Backed Credit Account the Score Will be bumped to around 750+ for CIBIL.

Then I created a Salary Account with HDFC while jkining in January 2026 and got the Swiggy Card as 3 Lakhs Limit Due to Salary Account and Good Score.

Then Applied for AU Bank Card

And in June applied for ICICI and got a 4 Lakh Limit.

(Drop Your Questions and Experiences for others to work on)

(Not Soliciting any Advice or personalised response just

wanted to know if

1. Possible for me to FIRE?

2. Am I on a Right Track?

I might not be eligible for this sub or too insignificant. But if mods and Community allows will take feedback from the folks.

23M Currently working in Tech Consulting, Staright out of College.

Lower Middle Class Family

Salary - 45k

Investments - Stocks and Metals :- 67K

MF Corpus - 144k

No Car, No Bike, No Real Estate, Some Undivided Family owned land in Village, Family Owned House.

Would Love to work till 45 and I feel will be able to FIRE by 45

Have Lived Frugally. Just wanna enjoy and live peacefully.

Analyst from DUSI (Hyderabad)

DOJ - 19th Jan 2026

Still no intimation about eligibility neither any hike or Bonus.

The May Payslip also did not had any Bonus.

Consulting - Customer - AM&C

DOJ - 19th Jan. 2026 (I believe I am eligible)

Analyst

First Hike and Bonus

But I have not Received yet.