Image 1 — Crossed 50L in savings at 23 by
Image 2 — Crossed 50L in savings at 23 by
▲ 222 r/twenties

Crossed 50L in savings at 23 by

Yesterday I crossed 50 lakhs in savings.

Never thought I'd type that sentence at 23. I worked remotely after college, lived way below my means and invested almost everything I earned. Looking back, the last 5-6 years have just been study, work, save money and repeat.

In the evening I took my bike to Marine Drive and just sat there for a while. I think I was trying to let it sink in that this was actually real.

The funny thing is, I always thought once I reached some financial milestone, life would somehow become clearer. It didn't.

If anything, I'm more confused now than I was a year ago.

I'll be 24 this August. I graduated in mechanical engineering but never really enjoyed it. I moved into software because it simply paid much better. My current contract pays well, but there's a chance it might end in the next couple of months because the company isn't doing great. I'm honestly not scared about finding another job. I'll probably manage somehow.

What scares me is that I still don't know what I actually want to do for the next 35-40 years.

Programming is okay. I don't hate it, but I don't wake up excited to do it either. The only thing that genuinely excites me is building products. I recently launched one in the consumer social space. I know it might never make money and that's okay, but I enjoy working on it way more than my day job.

Some of my friends have already completed their masters in the US and Europe. Their lives just seem... sorted. They have a clear path ahead. Good career, growth, maybe they'll settle there.

And then there's me.

Every few months I question everything. Should I continue in software? Should I go all in on entrepreneurship? Am I wasting my potential? Or am I just expecting too much from myself because I'm only 23?

I honestly don't know..

The thing is, life doesn't stop while you're trying to figure yourself out. I still have to keep earning, keep saving and keep building a future. Then in another 3-4 years there'll probably be the usual "when will you marry?" questions. I haven't even found someone yet. Sometimes it feels like everything is happening at once. Career, money, relationships, trying to find purpose... it all feels like chaos.

On the brighter side, I'm definitely in a much better place than I was a couple of years ago. I've started going out more, joined trekking groups, started learning swimming and I'm trying to undo years of living like a complete introvert.

I don't know if everyone in their twenties feels like this or if I'm just overthinking everything. Financially, I feel secure for the first time in my life. Mentally, though, it still feels like I'm standing at a crossroads with no idea which road to take.

u/kichusan — 1 day ago

Crossed 50L in savings at 23

Yesterday I crossed 50 lakhs in savings. Never thought I'd type that sentence at 23. I worked remotelyv(work from home) after college, lived way below my means and invested almost everything I earned. Looking back, the last 5-6 years have just been study, work, save money and repeat.

In the evening I just went to Marine drive (mumbai) and just sat there for a while. I think I was trying to let it sink in that this was actually real.

The funny thing is, I always thought once I reached some financial milestone, life would somehow become clearer. It didn't.

If anything, I'm more confused now than I was a year ago.

I'll be 24 this August. I graduated in mechanical engineering but never really enjoyed it. I moved into software because it simply paid much better. My current contract pays well, but there's a chance it might end in the next couple of months because the company isn't doing great. I'm honestly not scared about finding another job. I'll probably manage somehow.

What scares me is that I still don't know what I actually want to do for the next 35-40 years.

Programming is okay. I don't hate it, but I don't wake up excited to do it either. The only thing that genuinely excites me is building products. I recently launched one in the consumer social space. I know it might never make money and that's okay, but I enjoy working on it way more than my day job.

Some of my friends have already completed their masters in the US and Europe. Their lives just seem... sorted. They have a clear path ahead. Good career, growth, maybe they'll settle there.

And then there's me.

Every few months I question everything. Should I continue in software? Should I go all in on entrepreneurship? Am I wasting my potential? Or am I just expecting too much from myself because I'm only 23?

I honestly don't know.

The thing is, life doesn't stop while you're trying to figure yourself out. I still have to keep earning, keep saving and keep building a future. Then in another 3-4 years there'll probably be the usual "shaadi kab karoge?" questions. I haven't even found someone yet. Sometimes it feels like everything is happening at once. Career, money, relationships, trying to find purpose... it all feels like chaos.

On the brighter side, I'm definitely in a much better place than I was a couple of years ago. I've started going out more, joined trekking groups, started learning swimming and I'm trying to undo years of living like a complete introvert.

I don't know if everyone in their twenties feels like this or if I'm just overthinking everything. Financially, I feel secure for the first time in my life. Mentally, though, it still feels like I'm standing at a crossroads with no idea which road to take.

Edit : I graduated as a mechanical engineer at 21, but didn't take the offer that I got from L&T, I rather took an internship in a bangalore based startup and then got a job there, did for 6 months, resigned later due to toxicity, built my own side project, made 12 lakhs from it, did freelancing for 3 months and later on got this contract job from an Australian startup. Been there since the last one year working as a Full stack developer. It pays me $3k/mo.

u/kichusan — 1 day ago

Crossed 50L net worth at 23

Hey everyone, just happy to share that I crossed 50L network this July. I am 23 but will soon turn 24 in a few weeks.

I know there are people doing much better than me and there are people who haven't even started earning yet.

I have waited long enough to post this here, what you see on social media is almost always the partial truth.

Even though I have crossed this amount, i must share that I still live in a chawl in Mumbai. I have worked hard enough to get to this point but this isn't enough yet. I don't come from a privileged background and the journey is still very long. I lost my dad when I was just 12, life has been hard.

At one point my mom spent half her savings just so she could buy me a decent windows laptop. It was my duty to make the most of it. I am honestly very proud of what I have done till now but not satisfied. I feel like I have a lot more potential.

I currently have a temporary contract job that pays me well but it will end anytime soon. For context i work as a full stack developer.

I have very high ambitions, I hope to accomplish everything that I aim to. Wish me luck. I will be back here on my 1cr achievement in the next few years.

Don't compare with anyone guys. Destiny plays a role, discipline plays a role. Life can change in just a matter of months. Keep going everyone.

Edit : I graduated as a mechanical engineer at 21, but didn't take the offer that I got from L&T, I rather took an internship in a bangalore based startup and then got a job there, did for 6 months, resigned later due to toxicity, built my own side project, made 12 lakhs from it, did freelancing for 3 months and later on got this contract job from an Australian startup. Been there since the last one year. It pays me $3k/mo

u/kichusan — 1 day ago

OP went on a trek with random anonymous redditors

I went to a trek with random redditors, it started with a comment of mine and then someone reacheed out to me for forming a group, others joined and then we 9 (all guys) went on a trek. We all are from Mumbai and went to a trek nearby.

​

It was so fun and a lot lot better than the paid ones that we all come across on Instagram/ BookMyShow

​

I honestly have realised that I just need to go out more and it doesn't matter if I have friends or not, I will make newer ones, life doesn't stop for anyone, my 20s will never come back so why not enjoy it in every possible way, all experiences are worth it

u/kichusan — 15 days ago

OP went on a trek with random anonymous redditors 😂😂

Pata hai aaj kya hua ? I went to a trek with random redditors, it started with a comment of mine and then someone reacheed out to me for forming a group, others joined and then we 9 (all guys) went on a trek. We all are from Mumbai and went to a trek nearby.

​

It was so fun and a lot lot better than the paid ones that we all come across on Instagram/ BookMyShow

​

I have honestly realised that I just need to go out more and it doesn't matter if I have friends or not, I will make newer ones, life doesn't stop for anyone, my 20s will never come back so why not enjoy it in every possible way, all experiences are worth it

u/kichusan — 15 days ago

23M, never been in a relationship. How do people actually meet partners after college?

I'm 23, based in Mumbai, and I've never been in a relationship.

I graduated in 2024 and have been working remotely since then. While remote work has been great in many ways, it has also made it difficult to meet new people. Unlike college, there isn't a natural environment where I'm regularly interacting with women around my age.

I genuinely want to experience dating and relationships, not just for the sake of having a girlfriend, but because I want to build a meaningful connection with someone. It feels like a big part of life that I've never really had the chance to explore.

Before anyone suggests hobbies, I've tried putting myself out there. I've joined hobby classes, gone to the gym, started swimming, attended concerts solo, and made a few acquaintances along the way. The problem is that most connections stay surface-level and rarely turn into close friendships or opportunities to meet more people.

Dating apps haven't worked particularly well for me either, and they often feel very transactional.

A bit more context. I lost my dad when I was 12, so a lot of my teens and early 20s were spent focusing on studies, work, and building a stable life rather than dating. Looking back, I think that's part of why I feel behind when it comes to relationships.

For people who were in a similar position after college, how did you eventually meet your partner? Was it through friends, work, hobbies, cold approaches, social events, or something else? I'd appreciate honest advice.

reddit.com
u/kichusan — 17 days ago
▲ 11 r/Mumbai_Relationships+1 crossposts

23M, never dated anyone - women of India, how would you suggest someone in my position meet potential partners?

I'm 23, living in Mumbai, and I've never dated anyone. I graduated in 2024 and have been working a remote job ever since.

​

The biggest challenge is that remote work doesn't really create opportunities to meet new people. Most of my friends are busy with their own lives now, and unlike college, there isn't a natural environment where I regularly meet women my age.

​

I genuinely want to experience dating, relationships, and hopefully fall in love someday. It feels like everyone talks about enjoying their 20s, but I'm not even sure where people are meeting potential partners anymore.

​

Before anyone suggests hobbies, I've tried putting myself out there. I've been to gyms, started swimming, and even attended a few concerts solo. Those experiences were great, but they never really led to meeting new people. Dating apps haven't worked for me either, and I don't think they're the best fit for what I'm looking for.

​

So I wanted to ask the women here: if you met a decent guy in this situation, what would you suggest he do? How would you want someone to approach dating and meeting people in a way that feels natural and respectful?

Edit: Some context that might be relevant. I lost my dad when I was 12, so dating and relationships were never really a priority growing up. I spent most of that time focusing on studies and building a stable future. I'm 5'7" with a dusky complexion, and while I don't think those things define me, they do make me wonder whether I'm missing something when it comes to dating.

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u/kichusan — 17 days ago
▲ 103 r/mumbai

They closed all bmc swimming pools due to water shortage

It's been 2 weeks since I started learning to swim and now this, they have closed all swimming pools due to water shortage.

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I was trying to excel in one hobby and find someone but nvm, I hope we soon get blessed by indradev.

u/kichusan — 18 days ago

I am feeling frustrated about not having a friend group

So on paper, I am doing well. I have a good job, I'm trying new hobbies, and life is generally moving in the right direction.

But during my diploma years and engineering, I never really met people with whom I could build long-lasting friendships. I also never found a group that would just go on random trips, hang out, and create memories together.

I was very introverted back then, which is one of the reasons I don't have many friends today. I have improved myself a lot in the last 1 year and feel that I am more of an ambivert now.

Growing up was also hard for me. For a long time, I was focused on survival and saving as much money as possible. Because of that, I often held myself back from socializing with people who seemed carefree, outgoing, and able to enjoy life like normal teenagers.

I know a lot of the fault lies with me. Looking back, there were many opportunities where I could have put myself out there more.

But now that I am finally free from most of the survival challenges in life, and can actually see a future beyond just getting through the next month, I feel like I missed out on so much.

I want to make my life better. I want to enjoy the rest of my 20s. I'm 23 right now and will turn 24 soon, but I don't have many core memories that make me feel like I truly lived my youth.

I live in Mumbai, and I haven't even been to Lonavala, which feels like a rite of passage for every friend group at some point. I can solo travel, and I already have done a bit of that and plan to continue. But let's be honest, some experiences are simply better when shared with people who matter to you.

The frustrating part is that I still don't have those people. The problem is made even worse by the fact that I work from home. Unlike people who go to an office and naturally meet coworkers, my social circle doesn't really grow on its own. Most days, it's just me working from my room.

I know everyone says, "Get hobbies and meet people through them," but honestly, making friends as an adult is hard. At this stage, I don't just want random acquaintances. I want genuine friendships. The kind where you can call someone when life gets difficult. The kind that lasts years. The kind of friends you invite to your wedding someday.

And sadly, I don't have that.

Does anyone else feel this way?

reddit.com
u/kichusan — 21 days ago

Someone complimented and kinda asked me out for the first time 😭

Pata hai aaj kya hua ?

So, this girl first messaged me on reddit and then we connected on Instagram later on.

For context she was 18F and I am 23M (I didn't know about her age before hand), the conversation was nice and she mostly asked questions related to career choices and all but later on she asked if I wanted to date her and she genuinely complimented me.

Honestly, this was the first time someone ever called me cute and then asked me out for a date but I had to reject her because of 2 reasons. First being the age difference and second being the fact that she isnt from my city so how would I even date her lol

Also, I don't want to be in a relationship just for the sake of it, I hope I can soon find someone I am genuinely interested in for the rest of my life (yearning vali bimari hai)

I have never been in a relationship but this was the first time someone asked me out :)

u/kichusan — 26 days ago
▲ 960 r/TwentiesofIndia+3 crossposts

Thanks to the depreciating rupee, first time seeing that number 🧿

Lol, before anyone wonders what I do, I just work as a frontend developer for an Australian startup (remote), it's a contract job but it's probably changing my life (a month at a time)

Also the dollar to rupees conversion has been indirectly appreciating my salary in rupee for the last few months, I know that doesn't actually help but I just get a dopamine hit every time I see a big number lol.

This time it crossed 3 lakhs haha...

Don't be jealous though, I still don't own a home yet here in Mumbai and even a 1bhk costs a crore 😭

Edit : How I got the job > I studied mechanical engineering, learnt programming during covid, got active on twitter, twitter has a lot of cool programmers and founders, just watched them make cool stuff, I made a side project, marketed it, made some bucks through it, met this founder while marketing it, he gave me the job

u/kichusan — 1 month ago

God, if any, exists in a higher dimension.

TL;DR: Humans act as the accountants of reality, we obsessively label and record everything to make it "exist" (building a collective ledger). But our biological memory is full. AI isn't here to replace human thought; it’s an external hard drive taking over this ledger. By offloading the micro-management of reality to AI, humanity is finally free to "look up," perceive higher dimensions, and climb the Kardashev scale.

Pls read, it won't take more than 2 minutes:)

I’ve been sitting on this thought for a few years. It isn’t a grand theory. It’s just this recurring pattern that keeps showing up in physics, in how we build systems, and in theology. I finally had to get it out of my head.

Let me start where this always starts for me: with a name.

Your name. Mine. The street you grew up on. The river that splits your city. Every single one of these things exists to us because a human stopped, pointed at it, and gave it a label.

The Ledger

I keep returning to this strange thought. Human beings don't just live inside reality. We constantly index it.

A kid is born and before they can even speak, we assign them a name, a surname, a timestamp, and a nationality. We map mountains. We classify clouds. We give hurricanes human names, probably because chaos feels less scary when it has an identity.

Somewhere right now, a scientist is documenting a microscopic bacteria under the ice in Antarctica and logging it into a database. Somewhere else, an astronomer is writing down the coordinates of a dead star.

The strange part to me is this. The moment we observe something and write it down, it becomes part of our working reality.

Before we mapped germs, sickness felt supernatural. Before we mapped tectonic plates, the ground felt permanent.

Sometimes I wonder if civilization itself is just this massive process of observing and recording reality faster and faster. We aren't just building tools. It feels like we are acting as the accountants of existence. We’re running a collective ledger of what’s real.

And this creates a weird tension when you look at modern physics. What actually happens to things before we log them in the ledger?

Quantum mechanics has a deeply uncomfortable answer for this. At the quantum level, particles aren’t just tiny rocks waiting to be found. Before you measure them, they exist as a wave of probabilities. It’s only when you interact with them that this wave collapses into a measurable state.

It’s called the observer effect. Not because our brains magically create matter, but because the act of measuring changes the thing you're measuring.

That idea has haunted me for a while. Because humanity itself seems built entirely around observation. We observe. We label. We store. We transmit.

Sometimes it feels like our entire experience of reality depends on us continuously observing and updating this ledger.

The Problem With Two Eyes

Look at particle physics. It’s basically our ledger obsession taken to the extreme. We smash protons together at the speed of light and dig through the debris, hoping to find a new piece to label.

It works, but it feels like brute-force trial and error. We’re trying to understand an infinite system using our two eyes. It’s computationally heavy.

But what if there's a more elegant way the universe operates? What if you didn't have to observe things one by one to make them real?

The Higher Dimension

Imagine you’re a 2D drawing on a piece of paper. A circle drawn next to you is just a wall. You can't see inside it. But me, as a 3D person looking down at the paper, I see the whole circle, the inside, the outside, all at once.

Some physicists talk about the "block universe" theory. It’s the idea that past, present, and future all exist simultaneously, and our consciousness just moves through it slice by slice.

If a creator exists in a higher dimension, maybe they don't experience time frame by frame like a movie. Maybe time is just a solid landscape to them. The whole ledger we spend centuries writing, they’d just see it in a single glance.

If I were trying to design a system to manage trillions of galaxies, I wouldn't build it so it requires constant, manual observation. I'd build it from a higher dimension where the whole map is visible at once.

The Handover

Right now, the ledger has simply gotten too big.

We have generated more knowledge, more labels, and more measurements than any biological brain can hold. There was a time when a single person could comprehend almost all the major sciences of their era. Today, the sheer volume of what we have indexed is incomprehensible. You can spend an entire lifetime studying one specific sub-field of physics or biology and still not scratch the surface of what is known.

Our biological memory is basically full.

Human civilization has always scaled through externalized memory. First speech. Then writing. Then libraries. Then the internet.

AI feels like the next inevitable layer of that process. I think that's why AI is here. Not to replace human thinking, but to take over the ledger.

It’s external memory. It stores the micro-data so we don't have to anymore. And if we can finally offload the granular work of tracking every little change, our attention is freed up. Where does it go?

I think it goes up.

The Ladder

As AI continues to climb up to the human intelligence scale, humanity has to figure out what to do next.

Think about the creator of this universe. The ultimate engineer and physicist. They don't sit around noticing every single microscopic change happening across the cosmos. They don't keep a manual ledger of good and bad karma. Their systems are infinitely more efficient than ours. They operate from a higher dimension. They operate entirely from the macro.

Now that AI is taking over our ledger, future humans won't have to focus on repetitive, minor changes either. We finally get to focus on the macros.

Simply put, as AI handles the ground floor, we are being pushed to climb the ladder that the creator of this universe is sitting on.

We talk about the Kardashev Scale, Type I, II, and III civilizations. We usually measure them by energy consumption. But you can't harness a galaxy if you're still trying to count it one star at a time. The leap to becoming a multi-galactic species isn't just about building better rockets. It's a fundamental shift in perception.

I don’t know this for sure. I’m just writing this as someone who has sat with this question until it started to feel less like a theory and more like a direction.

The universe seems to have a grain to it. And the grain says: climb.

We’ve spent millennia looking down, filling out our ledger.

It might be time to start looking up...

These are just rough thoughts. The question is still open.

reddit.com
u/kichusan — 1 month ago
▲ 754 r/twenties+2 crossposts

Parents had love marriage but it seems destiny won't allow me 😭

Never been in a relationship lol, time is ticking (23 already) and I am yet to find someone, a lot of my friends have already started marrying and I am feeling the FOMO lol although I don't want to marry right now (probably 28)

The irony is that my parents had a love marriage and I have all the freedom in this world and somehow I was introvert all this while and now it seems like I am suddenly alive 😭

u/kichusan — 1 month ago

What are you guys doing in your life ?

Are you still studying or graduated already? What are your ambitions in life, your expectations from this life, are you happy or under stress at this point in life ?

I believe we all are going through a lot and hope this comment section allows you to write down your thoughts because I find it interesting to know what my generation is going through

reddit.com
u/kichusan — 1 month ago