u/chickenkebab-

I’m 22F and I completed CFA Level 1 in August 2025. Initially, I was planning to continue with Level 2, but after looking at the current job market and salaries, I honestly started doubting whether it’s worth investing more time and money.

It feels like everyone is doing CFA these days, the competition is huge, and on top of that AI is advancing so fast. I know AI won’t replace everything overnight, but it does make me worry about future opportunities.

Because of this, I’ve been thinking about doing CS (Company Secretary) instead. It seems like a stable professional course with decent long-term prospects.

But at the same time, I’m also considering preparing for SBI PO. The only thing that scares me is the insane competition and high cutoffs. I come from a weak maths background, but I genuinely believe that if someone studies consistently for a year or two, almost anything can be learned. That’s how I’ve always looked at difficult exams.

My main goal is to become financially independent as early as possible. I want to support my mother and my family, save money, and personally I’d like to settle down relatively early in life. So the time factor is really important to me.

The dilemma is: • SBI PO might take 1–3 years depending on luck and selection. • CS could take around 2 years if I clear everything in the first attempt, but then there’s training/articleship where the pay isn’t great.

If you were in my place, what would you choose? CS or SBI PO?

I’m 22F and I completed CFA Level 1 in August 2025. Initially, I was planning to continue with Level 2, but after looking at the current job market and salaries, I honestly started doubting whether it’s worth investing more time and money.

It feels like everyone is doing CFA these days, the competition is huge, and on top of that AI is advancing so fast. I know AI won’t replace everything overnight, but it does make me worry about future opportunities.

Because of this, I’ve been thinking about doing CS (Company Secretary) instead. It seems like a stable professional course with decent long-term prospects.

But at the same time, I’m also considering preparing for SBI PO. The only thing that scares me is the insane competition and high cutoffs. I come from a weak maths background, but I genuinely believe that if someone studies consistently for a year or two, almost anything can be learned. That’s how I’ve always looked at difficult exams.

My main goal is to become financially independent as early as possible. I want to support my mother and my family, save money, and personally I’d like to settle down relatively early in life. So the time factor is really important to me.

The dilemma is: • SBI PO might take 1–3 years depending on luck and selection. • CS could take around 2 years if I clear everything in the first attempt, but then there’s training/articleship where the pay isn’t great.

If you were in my place, what would you choose? CS or SBI PO ?

I’m 22F and I completed CFA Level 1 in August 2025. Initially, I was planning to continue with Level 2, but after looking at the current job market and salaries, I honestly started doubting whether it’s worth investing more time and money.

It feels like everyone is doing CFA these days, the competition is huge, and on top of that AI is advancing so fast. I know AI won’t replace everything overnight, but it does make me worry about future opportunities.

Because of this, I’ve been thinking about doing CS (Company Secretary) instead. It seems like a stable professional course with decent long-term prospects.

But at the same time, I’m also considering preparing for SBI PO. The only thing that scares me is the insane competition and high cutoffs. I come from a weak maths background, but I genuinely believe that if someone studies consistently for a year or two, almost anything can be learned. That’s how I’ve always looked at difficult exams.

My main goal is to become financially independent as early as possible. I want to support my mother and my family, save money, and personally I’d like to settle down relatively early in life. So the time factor is really important to me.

The dilemma is: • SBI PO might take 1–3 years depending on luck and selection. • CS could take around 2 years if I clear everything in the first attempt, but then there’s training/articleship where the pay isn’t great.

If you were in my place, what would you choose? CS or SBI PO?

My boyfriend (22M) has his birthday coming up, and I’m looking to gift him a watch with a budget of ₹20–25k.

The issue is that I don’t know much about his watch preferences, so I’m looking for suggestions that would be a safe and versatile choice for someone his age. I’m also considering an Apple Watch SE 3. he prefers leather band than metal band

Would you recommend a smartwatch or a traditional watch in this budget? Specific model recommendations would be appreciated.

Yes he is brand freak, atleast incase of watches.

Or am i overthinking or took it personal?

This happened about a year ago.

My boyfriend and I were about to have something to eat when he asked if I had money. I said no because I wasn’t carrying cash that day.

He replied, “You’re poor only. You even look poor by face.”

That comment hurt, but I didn’t say anything. Not because I wasn’t bothered, but because I knew it would probably turn into a discussion about how he didn’t mean it that way and I misunderstood him. So I just ignored it and moved on.

For context, at the time I was working part-time for covering my own day-to-day expenses. My sister and I have always handled a lot of our own expenses ourselves as my father is no more. My boyfriend knew this, although I never made a big deal about it or talked about our struggles much. He just asks money from his parents and was not working that time.

I don’t think he was intentionally trying to insult me. It felt more like something that came out casually without thinking. But for some reason, I still remember it a year later .

Or am i overthink or took it personal?

This happened about a year ago.

My boyfriend and I were about to have something to eat when he asked if I had money. I said no because I wasn’t carrying cash that day.

He replied, “You’re poor only. You even look poor by face.”

That comment hurt, but I didn’t say anything. Not because I wasn’t bothered, but because I knew it would probably turn into a discussion about how he didn’t mean it that way and I misunderstood him. So I just ignored it and moved on.

For context, at the time I was working part-time for covering my own day-to-day expenses. My sister and I have always handled a lot of our own expenses ourselves as my father is no more. My boyfriend knew this, although I never made a big deal about it or talked about our struggles much. He just asks money from his parents and was not working that time.

I don’t think he was intentionally trying to insult me. It felt more like something that came out casually without thinking. But for some reason, I still remember it a year later .

Hi everyone,

I really need help because I’m genuinely awful at gifting and planning surprises.

My boyfriend (22M) has his birthday next month, and I’m 21F. Last year I actually saved money for a gift but got so confused about what to buy that I ended up giving him nothing. I still feel bad about it.

The past year has honestly been really rough for both of us, and I want to make this birthday feel special and memorable.

A little about him: • He recently got a new car and is super excited about it. • His everyday shoes are getting old. • He wears an old watch too. • I’m thinking of getting him a nice outfit to wear on his birthday. • It rains heavily around his birthday every year. • He’s a huge foodie. • Very extroverted. • Loves exploring new places, long drives, going out, and trying new experiences. • Definitely not the type who enjoys sitting at home.

My budget is around ₹20,000–22,000.

I just want him to feel loved, appreciated, and celebrated after such a difficult year.

I (22F) have been dating my boyfriend (23M) since 2023. The first year was great. We were very close, met every 1–2 days, talked constantly, and I became very attached to him because he was my main source of emotional support.

However, over time, our conflicts became unhealthy. Whenever we fought, he would often insult me, my family, my future, and my capabilities. Instead of discussing problems, he would either justify his behavior or avoid the issue altogether. We never truly resolved conflicts.

Things got worse after we both appeared for the ABC exam. I passed, and he failed. After that, he became distant, repeatedly said I deserved someone better, blocked me everywhere, and barely spoke to me for almost a month during Diwali.

That period affected me deeply. I spent most of Diwali crying and feeling abandoned. Whenever I tried to reach out, he was often harsh, rude, and acted as if he didn’t care about me anymore. I kept trying to support him because I knew he was struggling, but he wasn’t making any effort to communicate or resolve things.

Around that time, I attended a mutual friend’s birthday trip and met her brother. He was kind, respectful, and easy to talk to. After feeling ignored and emotionally neglected for weeks, it felt comforting to talk to someone who treated me nicely.

After the trip, I continued talking to him for about 10 days through chats and occasional calls. I admit I hid those conversations from my boyfriend because I knew he would get upset. However, there was no flirting, sexting, nudes, romantic involvement, or anything physical. We were simply talking.

There was also a misunderstanding during the trip. I was in a bedroom fixing my hair and makeup when the friend’s brother came into the room. My boyfriend later saw us there and became suspicious that something inappropriate had happened.

When he found out about our conversations, he became extremely angry, accused me of cheating, insulted me and my family, and told his sister about the situation. Eventually, both I and the other guy explained everything, and my boyfriend later accepted that there was no evidence of cheating or romantic involvement.

We are now trying to rebuild the relationship. My boyfriend can be very caring, affectionate, supportive, and thoughtful. At the same time, he has a history of anger, disrespect, emotional withdrawal, and saying hurtful things during conflicts.

My question is: does this relationship sound worth rebuilding, or are there deeper issues here that I’m not seeing?