u/aggarwal_aman

Hi folks,

My favourite months of the year (Aug to Oct, due to lush green landscape) are arriving and I'm looking for suggestions for hotels/resorts with heated pool as we are planning for a short trip. Sadly, I couldn't retrieve much information on internet, hence, resorting to suggestions from fellow Redditors. Few details:

a. Travelling with a 3-year old and my wife for a leisure trip

b. Open to either places like Nahan/Kasauli which are not too far away from Delhi or Goa or Coorg

c. Not looking for suites with pool/jacuzzi as they are unnecessarily expensive.

We went to Wayanad last year in the month of August, stayed at Taj Wayanad Resort & Spa and while the weather was exceptional (cold and windy), we dearly missed a heated pool which would have 10xed our experience.
TIA!

Hi fellow folks,

Inspired by many FIRE posts in this sub, I'd like to share our journey here.

Background:

• Family of 3 - Husband, wife and a baby from a Tier 1 city in India
• Age - Both ~33 years, Baby - 3 years
• Both of us are in Tech (Niche); Education - Private College
• Started at INR 3LPA ~10 years back; Currently at INR 50LPA each (all fixed, no variable or RSU)
• Corpus as of 31st May, 2026 - INR 2.25 Cr (70% Equity and 30% Debt, no real estate)
• No Loans

Thinking so far:

We have expenses of around INR 1.75L per month which helps us live a very comfortable life. This includes our rent, utilities, travel, transportation etc. The expenses are based on our current active incomes and can be substantially brought down (to the tune of INR ~1L) in case of any adversities. For the first 5 years of our careers we didn't save much as our salaries were low, but in the last five years we've tried to maintain the cashflows in such a way that our monthly investments have atleast been twice as much as our expenses (i.e. expenses < 33% of our combined disposable salaries). This gives us enough room to enjoy life (as we both love travelling) and save at the same time.

Thoughts on the journey ahead:

We'd like to continue with our expense to investment ratio of 1:2 and will try to increase it to 1:3 if income allows. Aiming for a corpus of INR 4.5-5 Cr by the end of Y2029 assuming an average return of 8% on the overall portfolio and an inflation of 5.5% to 6%. This will help us achieve Lean FIRE. We're also planning to invest more money in foreign markets and some in Gold.

Corpus Split:

Item	Amount (in INR)
PF	30,00,000
PPF	29,00,000
NPS	7,50,000
Reccuring Deposit	3,00,000
Mutual Funds	1,30,00,000
Indian Stocks	6,50,000
Crypto	4,00,000
US Stocks (ESPP)	15,00,000
Total	2,25,00,000

Thanks!

Hi,

My father and mother jointly run an LLP (as directors/partners) and take ~5.5L salary each annually (total 11L). The thing is their CA forgot to deduct TDS on salary (as per section 194T) and is now saying that the TDS deduction is 10% of their salaries which is ~1.1L and the penalties & interest have risen to a total of approx 85k.

85k is a huge amount for penalty and it'll be really disappointing for us if we'd have to pay it. All the CA experts here, what the best that can be done here so that this liability reduces? Kindly help! Thanks.