u/khurjabulandt

Title should suffice

27M GNEM 15 months workex(left job in 2021) Completed My MSc in 2023 and took CAT in 2022 converted UBS but didn't join. prepared for army SSBs CAPF Intelligence bureau interviews diye but final merit list me naam nahi aaya. Last year CAT de diya ye soch ke ki dekhte h kya hoga type Irma ka interview diya and RM converted

I've heard great things about the course but my mind is repeatedly saying "you decided against doing an MBA in 2023 now why the fuck you are going down that road again in 2026 in a college that has way higher fees".My past is basically haunting me at the moment. If I don't take IRMA I'll keep preparing for CGL and state government jobs and teaching kids part time to earn money(I earn around 10k a month).

I've converted IRMA today. I'm 27M i know age isn't on my side but I'm still confused between joining it or continuing preparation. Family is supportive and no one is dependent on me

I'll keep it crisp

M27 GNEM MSc 9/6/6/6 15 months worked(5 years back when I left my job before MSc) Both parents in state government jobs(father is assistant professor mother is government school teacher both retirement due in 2029).Right since graduation I always wanted to join the army took 13 SSBs across any and didn't get through any. Took intelligence bureau interview merit out hogaya vahan. I also took CAT in 2022 and only applied to colleges with less fees converted UBS Chandigarh but didn't join because tab man bilkul nahi tha MBA ka and mere ssb interviews lined up the all of that

Now I took CAT in 2025(as a hurried backup you can say but man me aisa nahi tha ki mba karni hi h tab it was like cat dedo convert ho tab sochna).I only filled IRMA because I thought I'd suit me more than other colleges because tier 2 city me jobs hongi kafi government roles h to that's why(I got a 92 in CAT).PI diya in 2026 February and in the meantime I was busy preparing for CGL and other exams. I also took exams like NTPC railway section controller but vahi kuch number se reh raha h.Im still preparing for CGL putting in hours and now with this IRMA offer I'm genuinely confused. The fees is high too and loan is scary. There's one thing too I'm not really a materialistic person never cared about money I drive a 15 year old wagonr and splendor with no desires to upgrade. My friends(jitne bhi thode bahut h) call me 'sant mahatma' because genuinely I have no desire left if I clear a government exam of even 50k job I'll be satisfied.The years in isolation ive spent while preparing for government exams has made me like this.

I won't stretch this further because I hope you get the point. If I don't accept the offer I'll give CGL bank attempts and in the meantime look for career in sales etc. My friend runs a successful event company I'll maybe venture into that.

To start off first of all earning 3 lakh a month and spending 1 lakh isn't frugal. Frugal isn't about percentages it's about living a simple life(look up the definition on Google it clearly says spending only as much as it's necessary and living a simple life).Nerds have made it about percentage "oh I spend only 30 percent of my salary so I'm also frugal yay" when spending a lakh and more a month as expenditure.

Frugal is basically this-if I use an android phone of 15k and love using and don't give two hoots about 'features' id keep using it IRRESPECTIVE of how much I earn. Some things DON'T change with how much I earn end of. Just because my earnings double doesn't mean I stop eating regular curd and start eating fancy yoghurt nonsense. That's frugalism. You draw a line you identify your wants you say okay that's where I'm satisfied it and that's that. The line doesn't change

If unfortunately a calamity strikes and you lose your job and your earnings become half or one fourth the frugal persons life should remain unaffected. A lot of rich baniyas in my district with 15 lakh a month in profit(cash rich unlike the posh pricks 20 something year olds who are almost always cash poor) life a very simple lifestyle and use that extra money in different things

I took CAT this got some decent tier 2 converts and also writing mains examinations of a government recruitment process.

A friend of mine is in RBI grade B great guy very intelligent got a 99.5 in CAT and got an admit from IIM K. He tells me that he was a bit confused choosing between the two but post working for like 6-7 months in RBI he says it's the best decision he's made. While his friends at IIM slog for hours make CVs do all of that he goes to office at 10 comes back at 4 almost negligible work pressure and a lot of peace.

I think society has really pedestalized hustling in twenties and it thinks oh how can someone in their twenties prioritize peace over money.Hustling is extremely extremely overrated mental peace is the biggest asset at any age. Take debt for MBA then fight a rat race then another rat race in companies switch jobs it really really sounds hectic and stressful. I might get a clerk job which pays me 39k in-hand vs graduating from a tier 2 b school which will give me 80/90k in-hand but the amount of 'chochlebaazi and nautanki' I'll bypass along the way would be huge. Also working in a government office would mean working with people who 35/40+ is also a benefit calm office atmosphere all of that

CAT diya decent college bhi convert h fir bhi confused h to join college ya tayyari continue rakhe? Anyone in the same boat(mera IRMA convert h age is 27 general male but high fees plus a dislike for corporate is having me all confused)

Anyone else in the same boat.

No layoffs no upskilling no linkedin no 'chochlebazi'. All these things gone and suddenly life becomes easier.

It's so funny(and sad) when I observe the following-Father born in 60s worked a government job worked fewer hours relatively way less work stress. His son who works a corporate job and sits in front of laptop all day works more hours earns more money but not necessarily all that reflects because stress is more constant tension of layoffs and becoming irrelevant after a certain age. To counter it they say "oh but he's living a better lifestyle" yeah sure can be fired anytime how does that feel.Private jobs(most) have ruined everything

Here's the context -Im sure a lot of people would know about MBAs here and how most people take loans all of that.A friend of mine got into a extremely prestigious institution and the fees is around 20 lakhs including hostel and mess everything. Now he's taking a partial loan of around 13 lakhs and financing the rest himself.

Now here's the thing-the campus is residential and since hostel and mess is included you'd think okay kitna hi personal expenses hoga. And my friend said bhai kam se kam 20/25k monthly ke to jaega in college parties travelling with friends etc.Now this shocked me-if one is taking a loan I thought his priority would be to save as such as possible and avoid all unnecessary expenses and put that entire money towards loan prepayment(there's 0 penalty on prepayment in education loan).But no the logic for almost everyone in similar situations "we Will live our life".

Ive almost always been against loans for a simple reason-loan takes away the freedom to leave job. Not only that it also takes away the freedom to switch careers and be choosy about jobs. Having talked to other people too it really shocked me how despite having loans over their head they still shell a lot of money on parties luxury travel. Nothing wrong but you could do that after clearing loans and pay that extra 2/3 lakh a year towards loan. But yeah anyone who gives such advice (I'm 27M) is seen as being bhikhari or cheap. I mean I still spend around 25k a month including rent and food and people with food and hostel sorted still want to spend 25k extra that too with a gigantic loan over their head.

Here's the thing-When you've taken a loan/spent 20 lakhs for the college apart from obviously focusing on placements you would also make sure that all avoidable expenses are avoided because already fees is high.

Turns out that's actually not the case. I'm getting numbers here people saying they'll be spending(apart from hostel and mess) around 2/3 lakhs on personal expenses which sounds unreal to me. I was thinking wait if hostel and mess is done why would you need anything more than 4/5k a month as personal expenses in a residential campus. In my graduation as well(non residential campus) I spent 15k a month including rent food everything else. When I did job too for 15 months in Pune i my monthly expenses including rent food everything was around 20k. Either this sub is full of posh pricks or people here don't care about wasting money

27M general category MSc completed in late 2022.For the initial years I was very into getting into the armed forces as an officer attempted multiple CDS AFCAT tech entry(took a total of 13 SSBs 7 conferences but wasn't recommended in any) Intelligence bureau interview also I took got merit out(this was all between 2022-2024).Uske bad 2025 me I took XAT/CAT got 92/93 each. Applied only to IRMA as it somewhat aligned what I like(high chances of job in small cities some government companies too visit the campus).I might get into it as the movement is happening(waiting list that is)

First option is obviously is get into IRMA if get in. The only con I can see is total fees is 20 lakhs and I would have to take a loan of around 13 lakhs.The average placement is around 12 lakhs fixed(most students end up earning 90-95k a month).Some also get placed in government PSUs.

The second option is give 6-8 months solely to banking or CGL. I'm taking CGL PYP of tier 1 2025 I'm getting marks in the range of 130-155.English is my strong suit the only thing I need to work on is maths(that too speed as in CAT speed didn't matter that much).I also plan to give other exams in the meantime as and when their forms are advertised.

My family condition is stable both parents in state government jobs(teacher and assistant professor respectively) no pressure as such from them. Coming to myself all these years I've realised I value work life balance over money. I live very frugally as one can at my age so money isn't something that's extremely important to me (I take tuitions right now for my expenses). Don't know if it's relevant but I've no plans to marry etc so no urgent need to settle down in conventional sense. Anyone in the same boat or any advice from anyone here would be appreciated

27M general category MSc completed in late 2022.For the initial years I was very into getting into the armed forces as an officer attempted multiple CDS AFCAT tech entry(took a total of 13 SSBs 7 conferences but wasn't recommended in any) Intelligence bureau interview also I took got merit out(this was all between 2022-2024).Uske bad 2025 me I took XAT/CAT got 92/93 each. Applied only to IRMA as it somewhat aligned what I like(high chances of job in small cities some government companies too visit the campus).I might get into it as the movement is happening(waiting list that is)

First option is obviously is get into IRMA if get in. The only con I can see is total fees is 20 lakhs and I would have to take a loan of around 13 lakhs.The average placement is around 12 lakhs fixed(most students end up earning 90-95k a month).Some also get placed in government PSUs.

The second option is give 6-8 months solely to banking or CGL. I'm taking CGL PYP of tier 1 2025 I'm getting marks in the range of 130-155.English is my strong suit the only thing I need to work on is maths(that too speed as in CAT speed didn't matter that much).I also plan to give other exams in the meantime as and when their forms are advertised.

My family condition is stable both parents in state government jobs(teacher and assistant professor respectively) no pressure as such from them. Coming to myself all these years I've realised I value work life balance over money. I live very frugally as one can at my age so money isn't something that's extremely important to me (I take tuitions right now for my expenses). Don't know if it's relevant but I've no plans to marry etc so no urgent need to settle down in conventional sense. Anyone in the same boat or any advice from anyone here would be appreciated

Green Tyagi Vaibhav

That's it. That's our fast bowling attack. We've won three in a row with this.

Every big financial decision(house bigger car most of typical funds) are related to a man getting married having kids and saving for them.

What if these two things are removed entirely from the equation? Basically this is the equation-no marriage and kids, no need to buy a house(already a house in hometown)and no dependents(parents self sufficient). People in similar situation please chime in

For me the clear winner would be 2015.2019 bowling was bad

Economy of 6.No one can still pick him regularly. Batting SR of 170+.2 players in one