36M, Looking to retire by 45
To clarify first, by retire I mean I want to work optionally and not to earn livelihood.
I have around 90L in stocks and MFs current value.
25L in PPF
30L in FD
Not counting gold because I won’t sell it but it should be around 60L worth.
I have Plots worth 2.2 crore in Jaipur
A flat worth 60L where I live.
25L in bank.
I earn around 3L per month. I have a 4 years old son.
Lifestyle - Nothing fancy. Don’t eat out or shop unless necessary. I like to save more. Buy occasional perfumes or anime figurines but that’s it. I have a debt of 8L car loan.
But after 40 I would like to take more contract work and work like 6-8 months and spend rest of time being with parents and take them to places.
Don’t fancy foreign trips either, but want to travel within India. Again, so far I have been a budget traveller. I don’t like to spend unnecessarily. But if there is a need for the family, I don’t think twice.