u/Sabmohmayahaibro

I have shared parts of my financial journey here before and wanted some perspective on how I should approach the next phase.

I recently went through my finances again and my current net worth comes to roughly ₹1.79Cr, although a large majority of it is tied up in real estate.

Where I stand today:

- EPF: ₹2.4L

- Mutual Funds: ₹9.3L (SIP: ₹30,000/month)

- Stocks: ₹4L

- Fixed Deposit: ₹4L

- Savings: ₹3L

- Gold: ₹4L

- Silver: ₹2L

Total financial assets: ₹28.7L

Real estate:

- Property: ₹1.5Cr

- Outstanding home loan: ₹0

I don't include my car in the calculation since it's a depreciating asset.

Most of my net worth is obviously tied up in real estate, so I'm aware that having ₹1.79Cr net worth and having ₹1.79Cr in liquid assets are two completely different things.

I had liquidated a sizeable portion of my investments earlier while closing my home loan, so I've been gradually building the financial assets side again.

I started working pretty young and everything has been built gradually through my corporate years, saving/investing and eventually moving into my homestay business.

My next personal target is ₹50L in financial assets. For now, I'm more interested in building this side rather than increasing my exposure to real estate.

For people who've been in a similar position, would you prioritise increasing equity exposure from here or build a larger liquid/FD buffer first?

Would love to know how you'd approach this allocation.

Hello everyone :)

As some of you here already know, I run and manage a few homestays. I’ve been working on another homestay setup lately and this one is going to be a little more special to me. While planning the interiors and figuring out what all I want to put into the place, a random thought crossed my mind.

What if a small part of this place was actually built using things made by people from this community?

So I’m keeping around ₹50,000 aside specifically to discover and hopefully buy from some of the side hustles here.

Could be art, decor, lamps, pottery, cushions, plants, handmade stuff, furniture, something useful for guests, or something completely random that I haven't even thought of yet.

So here’s the fun part: Tell me what your side hustle is and drop one picture of your product/work in the comments. Tell me a little about it too :)

I obviously won’t be able to buy everything that gets posted but I’ll go through all the comments and if something genuinely fits the property, I’ll reach out and buy it from you. (Bas ghar ki price laga dena :)

No freebies or collabs btw. If I pick something, I’m paying for it :)

And even if your side hustle has absolutely nothing to do with interiors, drop it anyway. Would be fun to see what everyone here is quietly building, and who knows, maybe I’ll find something I didn't even know I needed 👀

Bas ₹50k ka budget ₹1 lakh mat karwa dena 😭

After experimenting with side hustles like scooter rentals, I have been trying to spot small demand gaps in everyday life.

A few months ago, I noticed fresh ₹10, ₹20 and ₹50 notes were difficult to get during wedding season.

Most banks either had limited supply or provided mixed bundles (old + new). Local vendors, on the other hand, were charging a premium of ₹500-₹800 per bundle.

Out of curiosity, I tried this as a small experiment.

Since I have a good relationship with my banks, I requested a few fresh ₹10 bundles. In the local market, a ₹10 bundle (₹1,000 value) was being sold for around ₹1,500.

Instead of matching that, I priced it at ₹1,300 and circulated it through friends and family.

Within a week, 5 bundles (₹5,000 value) became ₹6,500. That's ₹1,500 profit on the first round.

I then expanded slightly into ₹20 and ₹50 notes. Over the next few weeks, total profit came to around ₹30K.

With wedding season picking up again, I'm thinking of giving this another shot and scaling it a bit :)

I come from a middle class family where having an AC at home always felt like a luxury. Today, thankfully, I earn well enough to afford one, but when I recently got an AC installed, I realized how much the actual cost differs from the price you see online.

A decent 1.5 Ton 3-Star inverter AC is currently around ₹30,000-₹35,000.

But then come the additional costs:

- AC Cost: ₹30,000-₹35,000

- Installation Charges: ₹1,200-₹1,500

- Stabilizer (recommended by technician): ₹2,500-₹3,000

- Wall Stand: ₹800-₹1,000

So a ₹35,000 AC can easily become a ₹40,000-₹41,000 purchase before you even switch it on for the first time.

And this is just for one room!

If someone wants a 5-Star model, multiple ACs, or doesn't have the wiring/electrical setup ready, the cost climbs even further.

Maybe it's just me, but growing up I always thought, One day we will get an AC. After buying one myself, I realized the actual cost is much higher than the price tag shown online.

Did anyone else have a similar experience, or was AC always considered a normal household appliance in your home?

I am finally upgrading my PC and would love some feedback before I pull the trigger.

The primary use case is gaming. I mostly play AAA titles, open world, and the occasional FPS. Target is smooth 1440p ultra gaming today, with enough headroom for 4K in future!

My budget is around ₹3.3L and I'm planning to buy within this week from a local vendor.

I'll be reusing my MSI MAG 27CQ6PF monitor, Logitech G515 keyboard, Logitech G305 mouse, and Sony HT-S20R soundbar.

Current parts list:

• Deepcool CH690 Digital

• AMD Ryzen 7 9800X3D

• MSI MAG X870E WiFi 7 (White)

• Predator 32GB (2x16GB) DDR5 6000MHz

• Predator GM9 1TB Gen5 SSD

• RTX 5070 Ti 16GB

• MSI MAG A850GL (850W)

• Thermaltake TH360 V3

• CyberPower 1300W UPS

The quoted price is around ₹3.28L

Would you change anything here or does this look good to go?

I am finally upgrading my PC and would love some feedback before I pull the trigger.

The primary use case is gaming. I mostly play AAA titles, open world, and the occasional FPS. Target is smooth 1440p ultra gaming today, with enough headroom for 4K in future!

My budget is around ₹3.3L and I'm planning to buy within this week from a local vendor.

I'll be reusing my MSI MAG 27CQ6PF monitor, Logitech G515 keyboard, Logitech G305 mouse, and Sony HT-S20R soundbar.

Current parts list:

• Deepcool CH690 Digital

• AMD Ryzen 7 9800X3D

• MSI MAG X870E WiFi 7 (White)

• Predator 32GB (2x16GB) DDR5 6000MHz

• Predator GM9 1TB Gen5 SSD

• RTX 5070 Ti 16GB

• MSI MAG A850GL (850W)

• Thermaltake TH360 V3

• CyberPower 1300W UPS

The quoted price is around ₹3.28L

Would you change anything here or does this look good to go?

Need some feedback!

When switching jobs, most of us rely on Glassdoor, AmbitionBox, Reddit, etc., but the salary numbers are often estimates.

What if there was a platform where people could anonymously share offer letters (with all personal details removed) so others could:

• See actual CTC breakdowns

• Understand negotiation outcomes

• Learn about the interview experience

• Optionally connect with the candidate for guidance

Would you use something like this during a job switch?

And more importantly, would you be comfortable sharing your own offer letter anonymously?

Looking for feedback, especially reasons why this idea might fail 👀