Hi everyone,

I’m a 31F working in a PSU for the last 7 years. I have no debt, live a modest lifestyle, and have built decent savings over the years.

The problem is that I’m completely burnt out.

Ever since I was shifted to a new department, I’ve been working weekends, holidays, after office hours, and sometimes even at midnight. I’ve been called to the office during sick leave, questioned for taking even a single day off, and despite putting in 9–10 hour workdays, I’m constantly told I’m “not doing enough.” I honestly can’t remember the last time I had a proper break.

I don’t think I can continue living like this. I feel emotionally exhausted, and the thought of spending another 25–30 years in this environment terrifies me.

Financially, I’m in a stable position with low monthly expenses. My plan is to resign, move back to tier-3 city, and live simply while relying on a combination of long-term investing, disciplined trading, and interest from part of my savings.

I’m not looking for validation or unrealistic encouragement. I genuinely want honest advice from people who have been in a similar situation.

Has anyone here left a stable job because of burnout? Did you regret it? Is my plan sensible, or am I letting burnout cloud my judgment?

I'm 25 and earn around ₹10 LPA. I'm looking at buying a 1 BHK for around ₹60 lakh from a reputed builder. I have about ₹10 lakh saved for the down payment, so on paper it seems possible.

The thing is, growing up, my family never owned a home. Living in our own house has always been my biggest dream, but it's also what scares me the most.

My biggest fear isn't the EMI itself—it's what if I lose my job tomorrow? How do people deal with that thought? What if I'm unemployed for a few months? Who pays the EMI then? I don't really have a financial safety net apart from my own savings.

I know people say "don't worry, you'll get another job," but taking on a 20–25 year commitment feels overwhelming.

Has anyone here bought their first home with a similar salary? How did you get over the fear? Did you ever regret taking the loan, or is this anxiety something everyone goes through before buying their first house?

I'd really appreciate hearing real experiences rather than just financial calculations.

My portfolio is on Zerodha. My wife's is on Groww. My dad has a physical demat from 2004 linked to some broker he barely remembers the name of. My mom has PPF and a couple of LIC policies where the paperwork is somewhere in a folder nobody's opened in years.

So when someone asks "what are we actually sitting on" my answer is always some version of hold on, let me check four apps and a folder of old statements. And half the time those numbers are three months stale anyway because nobody's updated since the last time someone asked.

I tried getting everyone to just tell me their holdings once so I could add it up myself. Got maybe 60% compliance. My dad forgot he still had two mutual funds from a 2016 SIP that had been quietly auto-debiting for years.

When I finally did piece the whole thing together properly, the number was way off from what any of us assumed. Everyone had been mentally rounding down the old stuff they'd forgotten about and rounding up the recent stuff they check obsessively. The two errors don't cancel out.

Is this just my family or is this basically what everyone's finances look like once you have more than one earning member and more than one broker? How are people with scattered accounts actually staying on top of this?

Hi everyone,

I'm 27M and I lost my job last month. Since then, I've been going through a difficult financial situation.

While I was employed, I had taken a few personal loans from online lending platforms such as KreditBee, Kissht, Chinmay Finlease, LendingPlate, and a couple of others. I was repaying all my EMIs on time without any issues.

Now that I'm unemployed and currently have no source of income, I'm unable to pay this month's EMIs. My total monthly EMI is around ₹17,000 (or slightly less), and no individual EMI is more than ₹5,000.

I've tried explaining my situation to the lenders and requested some time, but they keep calling repeatedly and threatening that recovery agents will visit my home if I don't make the payment. It's becoming extremely stressful.

I have a Full & Final (F&F) settlement from my previous employer that I expect to receive next month. Once I receive it, I fully intend to clear my pending dues. I'm not trying to avoid repayment—I just need about a month's time.

My questions are:

- Do these online loan companies actually send people to your home for overdue amounts as low as ₹2,000–₹5,000?

- Has anyone here been in a similar situation?

- What's the best way to handle the constant calls and get a month's breathing room until I receive my F&F?

Any advice or personal experiences would be greatly appreciated. Thank you.

As many already know from my recent posts, I'm in never ending debt around 80L

Don't what to go in story how and why

So here is my plan

Debt Total approx 80L out of which 35-40L is already NPA loans and Cards so it's in settlement stage, which I can forget for year (.till I can arrange settlement amount one by one )

So planning to sell my Flat, can get around 48-50L

17L will be homeloan pay

So = 32-33L left

Have gold loan of 23L

Pay all and get gold released, then sell 30-40G gold later

So left with 15L

Out of that pay 6L to reletives loan

Left with 9L

Pay 3L wife's PL and Card 2L

So left with 3-4L which will b used for some settlement and Have emergency fund of 1L minimum

So all loans will cleared, zero EMI

Now our income is not great, monthly 25K only currently

So shift on rented flat ( 10K )

With 15K we can manage household

With left with zero but No tension of EMIs, will change mobile number and address so almost no Harrasment by recovery agents

With no tension of EMIs, I can focus on ok earning something for Side income, and aim for minimum 50K income within 6momths

How is my plan?

Suggest if you have something better idea? My goal is to get out of this mess Asap

Can't even sleep currently

A couple of years ago, my only financial goal was to earn more.

Now, I find myself thinking more about things like having a solid emergency fund, avoiding unnecessary debt, keeping my job skills relevant, and making sure I don't have to dip into investments for unexpected expenses.

It's a different mindset than I had when I first started working.

Don't get me wrong I still want my income to grow. But these days, financial stability feels more valuable than chasing every opportunity to earn a little extra.

I'm curious if anyone else has gone through a similar shift.

Was there a point where protecting what you had became more important than simply earning more?

Hello everyone, I'm 28M living in Hyderabad. I work for a company with around 40k per month salary stable job. I've started working from 2022. Generally people would save something while they work but in my case it's reversed. I got around 6 Lakhs of debt. Including credit cards and personal loans. At first it started with a simple salary based credit card and then personal loan to pay credit card and loan again to pay credit card and both personal loans. I've stuck in that vicious cycle and I'm seeing my current salary going just into hefty fines. I've asked friends and family about my situation even though my family is struggling with finances. I am completely devastated now and I agree this is all my fault. My over confidence dragged me into this. Lack of financial discipline stuck me like anything. Now after losing everything I probably could, I've learnt my lessons. At present I've got a bad CIBIL score (due to late payments) and friends and family are unable to help and no one to ask now. I didn't even have a single rupee in savings now. Living in the worst situation possible. Kindly suggest how I can get out of this hell. I've tried rapido, part time works but they're not paying enough to cover all this. I don't have any options to look into right now I'm ready to give my 90% of my salary and even for an agreement. All I want is to get out of this vicious cycle. Please suggest any way to help me.

Thanks in advance. 🙏

Hi all,
I have been working since a year, I earn 1 LPM, around 30k are my expenses every month, in the last 12 months, I haven’t saved anything, I’m planning to invest 50k every month. Please give me suggestions on where I should invest. I’m planning to go for an MBA next year, I would be looking to withdraw my funds in the month of may’27( I have around 10 months from now), what is the safest option I could choose.

Context:

30. F. Single, free of debt and responsibilities (chill retd. parents living a good life in the mountains, touchwood)

I have lived across country (military family) which makes it easy to uproot from a city and replant my roots somewhere else. Having said that, and have worked for 8 years, I want to put down my roots in Bangalore.

Fortunately moving to Bangalore next month for a new job!
And I don’t see myself getting married anytime soon. I make 50 LPA + and with this idea in mind that I want to settle in Bangalore, I am thinking about buying a one BHK for myself instead of renting.

But I will be moving back to Bangalore after couple of years, so I don’t know if it’s a right decision? Anyone, in their 30s, planning their solo living in Bangalore? Do you have a perspective to share?

Most importantly, can I even afford it? Like I think I earn decent money but mine is a single income household…so, it isn’t much for a city like Bangalore I guess! Help, please 🙈

My 21-year-old daughter just landed her first job, and I couldn't be prouder. While she is excited about her first paycheck, I’ve been insistent that 10% needs to go straight into a direct equity SIP before she touches a single rupee.

My husband thinks I'm being too rigid and that she should just "enjoy the freedom" of her 20s. But I look at the compounding math—she has a 30-year time horizon that is an asset she’ll never get back. I’m terrified of her reaching her 50s without a plan, as I’ve seen so many people do.

Am I introducing too much financial discipline too early, or is this the "responsible parenting" choice? Curious to hear from others who started early—did you resent it, or are you grateful for it now?

Me (M29) and my wife (F27) are 9 months into our arranged marriage. We are very happy with our lives. She earns roughly 8x my salary. She's from a well to do family and never had to face any kind of financial issues. She doesn't have any kind of debt. Where as I am from a lower middle class family, I have an education loan on going and a couple of personal loans. She knows about them and gets very anxious and paranoid about our financial future. We haven't had a sit down talk about financial planning. I want to have a conversation about it but I don't know how to approach or plan a budget.

Please guide me.

PS - we both are not very materialistic or keen on planning foreign trips etc.

We have my parents house so not planning on a new home.

We are 3 people living ie me, my wife and my mom in a teir 1 city.

I have been working in IT for 12 years on the QA/automation side and I am very burned out now. Not the "need a vacation" type, it is more than that. On top of that, job security in IT is not what it used to be, with layoffs and AI everywhere, so sitting in a stressful job does not even feel safe anymore. I am thinking of taking a break. 6 months of full rest, then around a year of learning. Either an executive MBA or a full time tech course from a good university, or self learning and building projects.

My finances:

Take home: 1.4L per month plus 13k EPF

Mutual funds: 52L

Indian stocks: 10L

US stocks: 3L

PPF: 18.5L

FDs: 17.5L

EPF: 8.5L

Savings account: 5L

NPS/pension: 1.5L (not counting, withdrawal is a headache)

Monthly expenses: around 65k

I live in a family flat but it is old, will need to sell it (expecting 1 to 1.5cr) and buy a new one in about 5 years. Parents have their own savings, actually more than mine, but medical inflation and unexpected expenses still worry me so I stay a bit conservative there. I am single and have no plans of getting married, so no dependents in future also.

So total is roughly 1.15cr without the house. 18 months of expenses is about 12L, plus 20 to 30L fees if I go for the EMBA, which honestly scares me.

What I want to know: can I afford this without affecting the house purchase and long term savings? Has anyone here taken a break like this in their 30s and come back to work? Was it hard to get a job again and did the gap affect salary? And between an EMBA, a university tech course and self learning, which one actually helped your career?

Hi ,

28M

1.5 LPM - Take home salary

Rent , travel to Home town, food , medicines - 30k

EMI education loan - 3.5 K -- i am paying 5k

Debt - medical emergency - 2L with no interest - I pay 10k per month

Rest how to put into saving.

Currently no SIP

UTI Nifty 50 Index Fund Direct Growth - ₹82,496

Quant Flexi Cap Fund Direct Growth. - ₹46,498

Nippon India Small Cap Fund Direct Growth - 34,914

Some stocks of 40k

Need to buy car this year

Marriage in hands within 1- 2 year

Emergency fund of 2L is there

How to re invest , how to do ..

Any funds need to be changed??

So my father went to SBI to do a pension scheme. Some bank employee told us about retire smart plus. We first thought to invest in that and did some initial paper work, video verification we didn't do. After coming from the bank, I researched about it a lot and decided not to do the insurance. We informed the bank. They told us if the money got deducted, it'd be refunded. Our 3 lakhs were deducted. It's been 15 days, we didn't get the refund. We don't even have any policy number, just has a proposal number. I emailed sbi life, bank manager etc but nothing is happening. What to do? Please tell me.

Hi everyone,

I'm 27 years old, working in Bangalore, and my salary was recently revised. My monthly in-hand after PF deduction is around ₹3.95L.

I've spent the last few weeks reworking my finances and wanted to get opinions from people who have been through a similar phase.

Monthly investments

• Mutual Funds: ₹1.25L
• Direct Stocks: ₹40k
• NPS: ₹10k
• Recurring Deposit: ₹33k
• Gold: ₹25k

Total monthly investments: ₹2.33L

This leaves me with around ₹1.62L every month after investments.

Upcoming plans (next 12 months)

• Move from my current shared apartment into a 2BHK.
  • Rent would increase by roughly ₹30k/month (around ₹50k total rent).
• Buy a ₹10–15L car.
• Continue travelling and exploring new places.
• Furnish my own place.

Why a 2BHK?

This isn't purely a financial decision.

My parents live alone in our hometown now. I have two elder brothers, and I don't expect or want any financial support from my parents.

Whenever I go back, I honestly feel more like a visitor than someone who still has a home there. No issues with my family it's just that everyone has their own lives now.

I want to build a place that genuinely feels like my home.

A 2BHK would mean:

• My parents can comfortably stay with me whenever they visit Bangalore.
• I can finally furnish a place the way I've always wanted.

Some of the things I've dreamed about for years:

• A large TV
• PS5 setup
• A sofa bed in the living room
• Double-door refrigerator
• Proper dining setup
• A space that actually feels peaceful to come back to after work

These aren't things I'm buying to impress anyone. They're things I've wanted to experience while I'm still single and have the flexibility to enjoy them.

Financial goal

Based on my current projections, assuming:

• I remain single for the next couple of years,
• I stay consistent with investing,
• My salary doesn't reduce,

I should be able to cross ₹1 crore in net worth within roughly 24 months.

My questions

1. Am I investing too aggressively?
2. Would you move to the 2BHK in my situation, or continue saving more aggressively?
3. Would you delay buying the car?
4. Is there anything obviously missing from my financial planning?
5. Should I increase equity allocation or keep a balance with RD, Gold and NPS?
6. At what portfolio size did you start working with a professional financial planner?

Also, I'm looking for recommendations for SEBI-registered fee-only financial planners or portfolio reviewers. I'm not looking for commission-based advisors or people trying to sell products. I'd prefer someone who can review my plan objectively.

Would really appreciate honest feedback, especially from people in their late 20s/30s who've gone through a similar phase.

Thanks!

My father recently sold a property worth around ₹2.5 crore. About ₹50 lakh will be used to settle liabilities.

What is the best way to invest the remaining ₹2 crore? I'm planning to invest ₹1.5 crore in land near the bypass and the remaining ₹50 lakh in FDs and mutual funds. What is your opinion?

Saving about ₹60-70k a month consistently.

What would you do in terms of investment split and why?

Thought of SIP but given flat returns in the market these past 1.5+ years, not hopeful. If i am to start investing in FX (even though this surplus would amount to ~ $600 only) what and how to do that?

Open to ideas.

Currently accumulating in FDs at a rate of about ~7.1%pa along with few investments here and there in bluechips at NSE.

Cheers 🥂

I’ve been having this debate with a few friends who are also looking to upgrade their living setups. If you're investing in the premium market for the long term, buying into a standard standalone apartment complex feels a bit short-sighted given how the city's infrastructure is evolving.

The real value seems to be moving toward self-contained masterplans. I was looking into how some of the top-tier developers are handling this, and it’s pretty interesting. For instance, century is doing a massive ecosystem in bangalore with 5 specific districts. The idea that your residential space (like their blue moon phase) is natively connected to curated retail and office districts means you are essentially insulated from external traffic and zoning issues.

When you look at it from a 10-to-15 year perspective, having a dedicated ecosystem that matures with you seems way more valuable than just having a nice flat on a busy public road. For those evaluating the high-end market right now, how heavily are you factoring in the masterplan vs just the floor plan of the apartment itself?

Hi all my father recently passed away due to cancer. I am 23 and a single child taking care of my mom and finances.

I do work in an MNC and doing masters from an online college , regardless my salary wont help.

Dad left behind a few loans which I have to take care of but i am confused how i should do it.

1. Home loan - There's still a pending amount of 20L+ , we plan to sell off the home and close the loan account by selling the home

2. Car loan - we plan to sell the car since the service and maintenance is high cost although We will have to pay upfront about an lakh to close the car deal.

3. Bike loan - same as car (no upfront)

4. OD personal loan- theres about 8+L left so we plan to close it after selling off the home

Due dates have already passed and first bounce have already occurred with the banks.
I was planning to call the banks and ask them time for about 6months so that we can close the loans.

I am confused because my mum is co borrowers to the home loan. But she or me doesn't have that much money to pay. Car and bike will go off probably very quickly but I need help with how to coordinate with the banks and explain them this situation.

As of current status -

I am in the process of making legal heir certificate .
Loans have been bounced for this month and i am expecting an medical reimbursement to my dads account as well in this week.

I was planning to call all the banks and let them know the situation . Please help me if should be careful about something or any other information that i have missed.
Also do banks usually give us time?

I'm a 32-year-old software professional from India and I'm looking for completely unbiased advice because I'm emotionally involved and don't know whether my concerns are justified or whether I'm overthinking everything.

I'm married, my wife is a housewife, and we have a 4-year-old son. My biggest priority now is securing my family's future while also maintaining peace with my father and younger brother.

Background

My mother passed away during COVID. Since then it's been my father, my younger brother, and me.

My father has been in the real estate business for many years. Initially he used to sit in the office every day, source deals, negotiate with clients, close transactions, and manage almost everything.

Later my younger brother gradually took over the office operations.

My career

Worked in IT in India from 2015–2019.

Moved to Dubai in 2019 and earned around AED 23,000/month.

Returned to India, worked at KPMG, and later continued my IT career.

Throughout my career I lived well below my means and invested aggressively.

Today I have built approximately ₹2 crore in liquid assets through my salary, disciplined saving and investing.

Why I left Dubai

While I was in Dubai, my younger brother repeatedly told me things like:

"I can't keep looking after Dad forever."

"You should come back."

"You're running away from the family business."

He also wanted future real estate projects to be registered in his name so he could build assets under his ownership.

Gradually I became worried that if I stayed abroad, one day I would lose visibility into the family business and eventually be told that I had contributed nothing.

Because of that fear, I left a very well-paying job in Dubai and returned to India.

Financial contributions

Since returning, we've had multiple construction and apartment projects.

So far I have invested well over ₹1.5 crore of my own hard-earned money into these projects.

Almost all of my contributions were made through bank transfers, so I have proper records.

My concern is that my younger brother has contributed significantly less financially, yet ownership is generally treated as 50-50.

Whenever new expenses come up, he often says he doesn't have money because his business isn't doing well or because his FD hasn't matured yet.

However, whenever he pays business expenses through Paytm or his own account, he usually gets that money reimbursed in cash by my father at the end of the month.

I, on the other hand, have always felt uncomfortable asking my father for reimbursements. If I spent money, I usually treated it as my own contribution.

Family business

Even after my younger brother started managing the office, my father continued sourcing clients, helping close deals and supporting the business.

My understanding is that my brother receives the commission from many deals, while my father has continued bearing a large portion of the household and business expenses over the years.

I never questioned any of this because I was focused on my IT career.

Ironically, I was often told that I had "run away from the family business."

What hurts

This isn't only about money.

I often feel that my younger brother doesn't respect me.

He regularly reminds everyone that:

he got married before me,

he had a child before me,

he stayed with Dad while I was abroad,

and sometimes speaks disrespectfully to me in front of my father.

It makes me feel like my professional success and financial contribution are minimized.

My dilemma

I now have around ₹2 crore in liquid investments outside these projects.

I also have a wife who doesn't earn and a young son whose future depends on the financial decisions I make today.

I'm worried that if I continue investing heavily into family real estate while my brother contributes much less, I could be putting my own family's future at unnecessary risk.

At the same time, I don't want to damage my relationship with my father or create conflict within the family.

My questions

Am I being unreasonable for wanting contributions to be documented?

Should I stop investing additional money into family projects unless everyone contributes proportionately?

Should I focus on building my own independent wealth instead?

Did I make a mistake by leaving Dubai because of family pressure?

If you were in my position, what would you do?

I'm not looking for people to criticize my brother. I know I'm only sharing my perspective, and there may be things I don't see. I'm looking for objective advice from people who have experience with family businesses, inheritance issues, or sibling partnerships.

What would you do if you were me?