I would like to increase/improve our lifestyle, since I think we have significant wealth, but don't know how to.

No liquid assets (as stock, MF, bonds, cash)

Family of 4 (I'm younger son)

Annual income - 20 LPA (Me) + 25 LPA (Elder Brother) + 50 LPA (Father)

Gold - 4kgs ~4.5 cr worth (current market value 2026)

Land Estimated lower bound - upperbound, high variability according to proximal sale prices is

20cr (Lower Bound) - 40cr (Upper Bound).

Annual expenses : 20-25 Lakhs.

Questions :

1. What would you do in my situation?

2. How to diversify the portfolio?

3. Can we increase our annual expenditure? If yes till what, for optimal sustainability in the long term.

4. Should I liquidise assets and start a business?

5. The wealth is high but there is no passive income.

6. Could we fire?

7. How to setup passive income generators?

8. Could we sustain buying a luxury car (no car currently), luxurious house? If yes, what should be that calculation.

Habits:

We are very stringent on our spendings, but I would like to be more on the spending side, but within limits.

We live in a old poor looking house with very cheap interiors, a very middle class looking house.

Very financially illiterate parent who live on some ideal advices by taught by my grandparents.

No cars currently owned that are good (we own a ertiga)

Help me, with the right decisions, "I can't get my parents to meet a financial analyser", they think Im crazy/taboo, everytime I try bringing up wealth managment tips, I have got to convince them somehow. Im burning with frustration. Am I wrong?

Edit : We all 3 live in different cities (states) and miss each other, thats why I feel a need to restructure ourselves, without shooting ourselves in our foot.

Thanks in advance.

Last year I had an head injury (SDH) due to fall from bike. I had the burr hole surgery in December 2025.

This year,3-4 days back I purchased Aditya Birla Activ One Max. I went through its policy wording and it’s was good according to me.

Later on yesterday the policy bazar executive called me and mentioned that company is providing counter offer with new policy called Aditya Birla Activ One VYTL with shared room and 20% Co payment with PERMANENT EXCLUSION RELATED TO HEAD TREATMENT.

The executive also mentioned that due to my head injury I would never get any better policy in future as well.

I straight forwardly rejected the counter offer and asked for the refund.

I just want to know is it true that I could never get a good health policy even though I am ready to pay higher premium just because I had one head injury and my brain is perfectly fine. Wouldn’t I be able to avail a good health insurance which is really an insurance?

I had to visit my bank branch just to get a simple document signed for a pre approved loan. Everything went smoothly until I was sent to the branch managers desk.

The manager looked at my file. Immediately said they could not process my paperwork unless I bought a ₹45,000 ULIP and insurance policy with it. He tried to say it was policy and that system approvals wouldn't go through without an insurance code attached.

I knew this was not right so I pulled out my phone. Asked him to give it to me in writing on bank letterhead with his employee ID and official stamp so I could take it to the ombudsman. The look, on his face changed away.

It worked for me. As I was leaving I saw an elderly man sitting across from another employee being talked into putting his fixed deposit into some bad endowment plan. It really made me angry.

Has anyone else dealt with this kind of selling at their local branches lately? How do you usually stop them?

Hi All,

Around a year ago, I shared my first milestone of reaching 50 lakhs in investments. Today, I’m happy to share my second milestone.

I have completely closed my home loan of 63 lakhs, which I took in August 2023 for 30 years. The loan was closed on 6th October 2026.

A little background:

In 2023, we purchased our first home and took a loan of around 63 lakhs at 8.75% interest. The initial EMI was around 50k per month.

Initially, I was planning to continue my SIPs along with the home loan, but gradually I started prioritising loan prepayments.

The main reason was job security. I had lost my job once in the past, and that experience made me realise how important it is to have fewer financial obligations.

I know that investing in equity mutual funds could potentially generate better returns than the interest saved on a home loan. But I wanted to reach a point where even if I lost my job, I wouldn’t have to worry about paying an EMI every month.

Over the last 3 years, I used most of my surplus income for prepayments. I also used the maturity amount from an old investment to reduce the principal. In the final year, I temporarily stopped my SIPs to focus on closing the loan.

The total interest I paid over these 3 years was around 11.45 lakhs.

There were times when I questioned my decision, especially when the stock market corrected and I didn’t have enough surplus to invest.

But now that the loan is closed, I feel it was worth it for us.

My next plan is to rebuild my emergency fund and resume my SIPs. With no EMI, I should be able to invest more consistently going forward.

I understand that closing a home loan early may not be the best decision mathematically, but for me, reducing financial stress was more important.

Just wanted to share this milestone with the community.

For those who have closed their home loans early, would you make the same decision again?

I am 31 years old, my family is planning to sell some land, and I’ll be getting around ₹80 lakhs (after taxes) as my share.

I’m trying to figure out what to do with the money. I don’t want to make any stupid decisions with such a large amount, so I’d rather take my time and invest it properly.

I already have a house so I am not looking to buy another property. I have next to no experience investing money in stocks or mutual funds.

Any advice will be appreciated.
Thank you.

I am stunned to see people being able to retire early with humongous corpus - over 5-10-15 cr.

And here I am striving to make ends meet. I might be able to reach that kind of corpus if I work extremely hard for the next 15-20 years. Before someone says “comparison is a thief of joy”, let me be clear - I am neither dying to live their lives nor is my case of sour grapes.

But I am a human being after all and can’t just ignore all these numbers I keep seeing on Reddit and YouTube. Can’t stop wondering what does a reasonably good life look like ? How much money does one need to live such a life ? I understand there might not be one answer that fits everyone, but still there must be one number that satisfies the majority, right ? Assuming too poor or too wealthy are outliers, how do you define what is enough ?

What do folks that achieve such numbers do in real life differently and what are the key takeaways for someone who is just starting their investing journey ? Would appreciate any insights coming from experience.

One of my friends asked me for some money which he promised to return me back in two weeks. After two months passed, I asked him if he could return the money. He would promise me he will return it. Almost a year passed and I started begging him literally but he would just give fake promises and won't return.

Out of desperation, I took help from a friend in the bank stating that the amount was fraudulently) erroneously) transferred and I needed it returned. I got it returned accordingly.

Now my friend who took the money has become my enemy. He has started badmouthing againste to my other friends.

I am also feeling guilty for having taken the money back. What should I do?

I took a loan aginst mutual funds for reducing the emis but as market is down the ultilized limit shows more than the available limit , recieved a msg stating futher action will be communicated no action is required now what should be done in this case ?

I am 37F and have lived with my parents my entire life. I've had some health issues so lost some years. Now earning 98k in hand per month in a relatively stable field.

My doctor has cleared me to live alone as long as it's relatively nearby for at least one year before moving farther away. Parents are still not in favor and dad keeps pointing out the financial aspect.

I want independence and peace and quiet and I think that is worth it.

Since I've never lived alone or rented I am unsure of what my budget should be for rent. Due to health issues I don't want any flatmates.

I have no loans, EMIs, or major financial commitments. I plan on cooking and cleaning myself so that's also not an expense. I don't have subscriptions beyond youtube. I don't really shop much except for books every few months.

What should I budget for rent, considering my salary?

Hi everyone. I’m 23F (turning 24 next March) and I’m trying to get my finances in order. I’d really appreciate some honest perspective because I’ve been feeling like I’m financially behind compared to people my age.

I work in tech and currently take home around ₹1.37 lakh/month after tax (gross salary around ₹1.5L/month). I have no loans, no credit-card debt, no BNPL, and no other outstanding liabilities.

The problem is that my financial situation is quite different from many of my friends/cousins because I have fairly significant family responsibilities.

My current financial situation

• Take-home salary: ₹1.37L/month
• Gross: ~₹1.5L/month
• Current savings: ~₹1.5L
• No PF contribution currently
• No NPS currently
• No debt
• No personal health insurance
• No personal term insurance
• Employer provides insurance, but I don't have my own cover
• I have just started investing

My current investments are very small. I started SIPs recently and currently have around ₹10k invested:

• ₹2k HDFC Flexi Cap
• ₹2k Invesco Small Cap
• ₹2k Nippon India Index Fund
• ₹2k Edelweiss Gold
• ₹2k Silver ETF

I know this isn't necessarily the simplest portfolio, and I'm open to changing it. I’m not emotionally attached to these funds.

I also made a stupid short-term bet recently and put around ₹50k into Hindustan Copper, thinking I could make some money in 2–3 days. The market went down and I'm currently down around ₹1k. I plan to exit and put that ₹50k back into my emergency savings. I realize I shouldn't have used money that I may need for short-term security for speculation.

My monthly expenses

I currently live in Bangalore for work.

My personal expenses are around ₹45k/month.

Around ₹19–20k of that is relatively fixed:

• Rent
• Maid
• Electricity
• Water etc.

The remaining amount is groceries, healthy food, cabs to office, eating out, etc.

I like good food and do eat out reasonably often. I don't drink or party much.

I was thinking of eventually allocating my ₹1.37L roughly like this:

• ₹45k — personal expenses
• ₹20k — family
• ₹30k — emergency fund
• ₹35k — SIP/investments
• ₹7k — miscellaneous/buffer

But ₹35k/month of SIP is not something I can comfortably do right now.

My thought was to start smaller (₹1k/₹2k etc.), increase it gradually, and hopefully get to around ₹30–35k/month by November/December.

Family responsibilities

This is the part that makes my situation different from many people my age.

I'm the oldest child.

My younger sister is currently in her first year of BTech.

I've already paid approximately:

• ₹70k for her coaching
• ₹2.2L for college fees

Her fees for next year are currently with my mother and will be put into an FD.

However, there are still roughly another two years of college expenses to plan for.

Over the last year, I also sent money home fairly regularly — sometimes ₹40–80k in a month. Some of that went toward family needs, including money needed for land/property-related matters and a legal issue.

I also gave my bonus to my family.

None of this is something I'm resentful about. I was happy to help and would do it again. But financially, it obviously meant that I didn't accumulate much of my own portfolio during my first year of earning.

My family recently moved houses, and there were another ~₹20–25k of moving-related expenses. They still need some household things such as a washing machine, possibly a sofa/dining table, and there may be another ~₹20k expense for a bathroom.

My parents don't have a large financial cushion. Their savings are negligible compared with what I think they would need for a serious emergency.

There is some family land that may eventually be sold to help the family move into a better house, but I am not counting that as my personal asset.

There is currently no family loan in my name, no guarantee I've signed, and no expected EMI that I know of.

My own goals

I also have things I want to do with my money.

I've barely travelled in my life because money was tight growing up.

I would love to travel more.

I've always wanted:

• A bike
• A good gaming PC (around ₹2L)
• Eventually a car of my own
• To get married around age 29–30
• Eventually buy a house of my own

I also got scammed out of ₹2k while trying to buy a PS5, so apparently that's another financial lesson I've already paid for xD.

I don't want to spend everything and ignore my future, but I also don't want to spend my entire 20s doing nothing except saving for every possible future responsibility.

The house question

My family currently lives in Delhi in a neighbourhood we'd ideally like to move out of eventually.

There may eventually be a family home/EMI situation after the land is sold, and depending on circumstances my younger sister and I may share some of that responsibility once she starts earning.

But separately, I want a house of my own.

I'm unsure whether buying a house before marriage makes sense or whether I should wait until around 35, when I know where I'll actually want to live and what my married life/career situation looks like.

I don't want to buy a house at 25 just because "rent is wasted money" and then discover five years later that I want to live somewhere completely different.

My biggest concern

This is probably the emotional part of the question.

Many of my friends and cousins around my age earn similar amounts, but they don't have significant family responsibilities.

Some of them already have around ₹10L+ across mutual funds, PF, FDs, savings etc.

I have around ₹1.5L in savings and only recently started investing.

So sometimes I feel like I'm failing financially.

I know intellectually that their situation isn't the same as mine, but it's still difficult seeing people my age with ₹10L+ portfolios while I'm starting from almost zero.

I keep thinking:

>"I'm earning ₹1.37L. Where did all my money go? Why don't I have anything to show for it?"

At the same time, I know that a lot of my first year's income went toward my family and my sister's education rather than disappearing into unnecessary spending.

What I'm thinking of doing

My rough priorities right now are:

1. Get my own health insurance
2. Figure out appropriate term insurance given my family dependency
3. Build an emergency fund of around ₹4–5L
4. Separately plan for my sister's remaining college fees
5. Continue investing even if the SIP is initially small
6. Gradually increase SIPs toward ₹30–35k/month
7. Start planning for retirement
8. Save separately for travel/bike/PC etc.
9. Eventually build a marriage corpus
10. Think about buying a house only when I know where I actually want to settle

I'm also wondering whether NPS makes sense for me at this age, particularly since I don't currently have PF.

I'm not looking for a "which mutual fund will give me the highest return" answer. I'm more interested in whether I'm approaching the overall situation correctly and what I may be missing.

Thanks!

I am 28F, working, no solid plans for future, fear of getting laid off due to AI plus no solid skill set and I know how it is a me issue but I don’t feel is building a skill set at this point is going to help me given the AI landscape. Have been investing but not much corpus in mutual funds, I am a total spendthrift too. I want to get to saving but I don’t know if it makes sense to put more in mutual funds or put it in FDs. Reason being I am convinced our service bases economy is going to collapse. We are heavily a KPO and a service provider country. With AI I am quite sure back office culture would take a significant hit with mass layoffs. There is no innovation and no great ideas or business enough to sustain the country. Our own companies are companies like TCS and reliance that hardly pay.

Can someone please give suggestions. Thanks

Hi all,

I am PLEADING and REQUESTING with my folded hands please please please help me, here is the complete scenario:

I have a salary account in SBI and below is what has happened:

1- April 15th - I created an FD worth 2.1L

2- April 15th - I issued an OD worth 1.8L on top of this FD

Time passed and slowly I started repaying the OD amount

3- Sept 24th - I finally repaid all the OD outstanding amount and using the YONO app closed my OD. However, when OD was being closed it showed "something went wrong".

Then I refreshed the app after it got stuck and I saw OD was successfully closed (I even have OD closure certificate) but to my suprise the FD was still blocked.

I immediately contacted the YONO helpline and I a ticket was raised.

In parallel I told the same to my father as he has good relations with the bank, he reached out to the branch manager.

The branch manager then told everything looks good FD should have been unblocked, she asked us to wait 1 day if automatically it'll get released.

Next day we again reached out as FD was still blocked and we were told to write a written application so that they can forward it to head office as they can only release the lock manually from FD and asked us to wait another few days

Now today i.e. 30th Sept when I again reached out for update they told the case they have raised is marked to success although lock on my FD is still not removed hence they have reopened the case today.

Now this feels total bullshit, they are just making me go circles and it's festival season coming up I needed that FD and my mother's knee replacement surgery also has to be done so I need funds for that too to support my father !!

Now you guys please tell me what are my options what can I do to get all of this resolved ASAP ??

It feels soo frustrating I have to beg them to let me use my own money !!

I wanted to get some opinions from people who may have faced a similar situation after marriage.
I got married around 3 years ago. My wife and I both come from humble middle-class families, and fortunately, we’re both earning reasonably well now.
Since getting married, however, we haven’t upgraded our lifestyle much.
No car. No bike. No house or plot yet. Not many expensive vacations either.
It’s not because we can’t afford these things. We’ve deliberately been saving because buying our own home is one of our biggest financial goals.
Both sides of the family know that we’re earning well, and I think that has unintentionally created another problem: we’ve started becoming one of the first options whenever someone needs money.
For example:
A relative is buying a car: “Can you help me with ₹50k?”
One of my wife’s sisters needs ₹30k because her husband is going through a financial or medical problem.
My brother’s phone gets stolen, so he needs help buying another one.

My mother-in-law has some medical issue, and one of the sisters messages my wife: "Can we all contribute ₹20k and send it to Papa? They might need it."

Individually, none of these amounts looks massive.
₹20k here. ₹30k there. ₹50k somewhere else.
And obviously, if our parents or siblings have a genuine medical emergency, we don’t want to turn our backs on them.
But when these requests keep coming from different directions, they start adding up.
The part that bothers me is that we’re also making sacrifices to save this money.
I’m still using my 4-year-old iPhone 12 because I don’t want to spend ₹70–80k on a new phone right now.
We can afford a car, but we haven’t bought one because a house is more important to us.
There are many things we could comfortably buy today but deliberately don’t because we’re trying to build financial security.
Recently, we decided to postpone buying our home for another 2 years. We want to build a much bigger financial cushion first so that even if something unexpected happens — job loss, medical emergency, etc. — we can continue paying the future home-loan EMI without too much stress.
And that’s where I’m struggling.
I don’t want to become someone who says “No” to every genuine family problem just because I’m focused on saving money.
At the same time, I don’t want our savings to become the unofficial emergency fund for the entire extended family simply because both of us are earning.
Sometimes I even feel that we should stop letting people know how financially comfortable we are and simply say that most of our income is already committed to our own goals and expenses.
For people who have dealt with this:
How do you set financial boundaries with parents, siblings and relatives without damaging relationships?

Do you distinguish between genuine emergencies and things like cars, phones, lifestyle expenses, etc.?
And most importantly, how do you say no when you technically can afford to help, but repeatedly helping others is affecting your own financial goals?

Edit : I can’t directly tell my wife not to give money to her parents or siblings. Sometimes her father asks for money to set up an engine for the farm, repair the tractor, or cover some other farming-related expense, and she sends it.

There are times when I feel we should say no, but I don’t want to sound rude or make her feel that I have a problem with her helping her family.

How can I communicate this to my wife in a respectful way so that she understands my concern? I don’t want her to stop helping her family completely; I just want us to set some reasonable financial boundaries and make these decisions together.

Background about dad:

My dad lost everything he'd earned years ago and never told us. He kept taking new loans to close old ones until it snowballed. We only found out when lenders and loan sharks showed up at our house. My sister and I (both working now) recently finished clearing around 40L of his debt. Then he told us that 12 years ago he let his brother pledge our house for a business loan. My uncle sold the business, went bankrupt, and the bank now wants 38L.

few months ago, dad borrowed from loan sharks again, this time for the same uncle, without telling anyone. He kept asking mom for small amounts with excuses until he finally admitted it after a lot of fights. Even after we promised to help if he was honest, he still hides things, so we don't know if other debts exist.

He's stopped working completely like 3 years ago. My sister and I cover all his expenses, and he doesn't help with anything around the house. His day is waking up, checking his WhatsApp good morning messages, breakfast, then YouTube and WhatsApp on his phone all day, with a walk nearby at 5pm and youtube again in the night.
When we ask him for details of what he owes or when we dont give him money, he turns it into emotional blackmail, saying we don't value or respect him because he has no money, and threatens us to take his own life. He also used to hand signed blank cheques to lenders, so we've hidden his cheque book.

He has a long history of making up stories to get money from us. An exmaple, years ago, he called saying a cow had jumped in front of his car, he'd hit a biker, and he urgently needed cash for the hospital. He even made the "biker" talk to us on the phone. I believed him and sent the money, only to find out there was no accident. The "biker" was someone he owed money to.

He also got into the habit of buying lottery tickets with OUR money. If we send him out for vegetables (our money), he'd spend the change on lottery tickets and hide them. We once found a whole bundle hidden in his room. That was years ago, but he still secretly buys tickets and keeps asking for small amounts here and there.

My mom and grandmother live in the house. Mom is open to living separately from dad. They don't want to take legal action against my uncle, and mom is emotionally against it too.

Details:
House value: 65L
Bank dues: 38L
House ownership: dad
Bank notice stage: auction notice received

Questions

1. Is it worth saving the house considering everything?
2. Has anyone negotiated a one-time settlement (OTS) on a loan like this? How much discount is realistic?
3. How do we protect our own savings and future from his borrowing? We're planning a public notice. Did that help anyone?
4. Some lenders may still be holding blank cheques he signed in the past. What can they do with those, and does any of it affect us?

I've posted about this elsewhere for general advice. Thanks in advance.

TL;DR: Our house (65L market value) was pledged 12 years ago as collateral for my uncle's business loan. He's bankrupt, and the bank needs 38L to release it. My sister and I just finished paying off 40L of our dad's debt, and he's still secretly borrowing. Trying to decide whether to save the house, sell it, or walk away, and how to protect ourselves going forward.

32M, Divorced, Financials review

A little about me:

\- Salary - after recent hike 17LPA, monthly around 1.1LPM (post Tax, ESPP and PF deductions)
\- Started earning in 2018 with 1.80LPA
\- Currently in a non-technical role but in a big company, limited growth, tough competition for promotions
\- Frugal lifestyle
\- Dependent parents in hometown staying in a 25 year old flat, which I bought on loan as a poor decision 5 years back and it’s still worth the same around 20 lakhs.
\- Father earns a modest amount 12k per month and it’s mostly used in my parents expenses for now, I contribute to their expenses irregularly, around 5k monthly.
\- Father might retire anytime so I would take their expenses on me for calculations. There are no saving on their part.
\- No other property - Major worry
\- Started from scratch, no family assets or properties
\- No emergency fund or insurance yet apart from my health insurance from the office, invested most of the idle money in the equity during the current market fall

Monthly commitments:

\- EMI for the above home loan 20k, thinking to close it by the year end.
\- I stay alone in Tier 1 city - 18k rent
\- Approximate expenditure of both the household - 25k
\- Mutual fund SIPs 35k (recently increased from 15k)
\- 10k ESPP (outside of in hand salary)
\- Random Indian stocks purchase

Current assets worth:

\- Indian Stocks - current worth 20 lakhs, started the portfolio post covid and currently shows only 25 percent returns due to the market
\- Mutual funds (Midcap, Smallcap, flexicap, index funds - current worth 20 lakhs
\- US Stocks (ESPP & RSU) - current worth 20 lakhs
\- PF- 11 lakhs

Questions:

\- Need honest review on my financial situation and what can I so better?
\- Is the salary enough, low or average? I understand it’s never enough but I just want to know if I just keep going with this salary with 5-7% annual hike, is it enough for life?
\- What should I do about property? It’s a big decision which I am not able to take. Whether I should I buy a plot or a flat or just stay on rent. But then I am scared how the rents could be inflated in future. If I should get into it, how much should I first have for downpayment, I believe the downpayment will mostly be possible after selling all my stocks and mutual funds. But then also scared of taking any loans due to layoffs everywhere
\- Considering my current financial condition, when do you think I can retire comfortably. I haven’t thought of a figure but seems like I should aim for 10 crores considering the inflation in future. Is this enough and attainable?
\- Not sure if I want to or if I will be able to marry again
\- Any other advices or opinions are also welcome

Thank you for reading and your time :)

Hi all, fairly new to actually managing real money and want to get this right from the start.

Quick background:
23M, working as a DevOps Engineer, based in Bangalore.
transitioned from intern to full time in August this year.
no EMIs or loans currently, and don't expect any for at least the next several months.

monthly take home is around 60k

regular expenses - rent, fuel, occasional travel back home, eating out - after all this i can comfortably set aside 20k/month

The situation:
i just got my joining bonus and have 2.5-2.7 lakh ready to invest as a lumpsum. no immediate liabilities so this is genuinely free capital right now.

Risk appetite:
i'm okay with aggressive/high risk investing for a portion of this, happy to mix high risk mutual funds with more stable ones, especially for the 20k/month i'll be investing going forward.

What i'm looking for advice on:

what's the best way to deploy the 2.5-2.7L lumpsum - straight lumpsum into equity, STP from a liquid fund into equity over a few months, or some other approach given current market conditions.

for the 20k/month going forward, how should i split this across high risk (smallcap/midcap/sectoral) vs stable (index funds, largecap, debt) options

any specific fund categories worth looking at for someone comfortable with aggressive risk at this stage of life (23, no dependents, no liabilities)

should any part of the lumpsum go toward non mutual fund instruments (PPF, NPS, etc) or should it be purely market linked given my risk tolerance

anything a first time investor in my position should be doing that i haven't thought of

Would really appreciate inputs from people who've been through a similar "first big investable amount + aggressive risk tolerance" situation.

Thanks in advance!

Every month the second my salary hits, I do the exact same thing before touch a single rupee.

I make a coffee, log into my app, and spend 15 minutes scrolling through last month’s statements. Not because I’m some super disciplined budget wizard, but because my brain lies to me about where my money goes.

I’ll genuinely believe I barely ordered Swiggy or Zomato, only to see like 7 random late-night orders. Or I’ll think I didn't shop much, but then spot 10 small UPI payments that seemed harmless individually but added up to a chunk of cash.

I used to make this WAY too complicated. I had one account for salary, one for expenses, and savings parked elsewhere. I thought I was being organised, but logging into three different banking apps just to figure out what I spent was exhausting.

A while back I just simplified the whole thing. My salary gets credited to my Axis Bank account now and I keep most of my daily spending routed through it too. Having everything in one place made these quick monthly reviews so much less of a headache instead of tracking down statements across different apps.

Honestly, doing this hasn't magically saved me millions, but it definitely makes me spend more intentionally. I don't feel as guilty buying stuff I actually want because I know my essential bills are already taken care of.

Does anyone else do something like this on pay day? Do you guys track stuff on spreadsheets, use budget apps, or just vibe and hope for the best? Curious how everyone else handles it without making it a full-time job.

With domestic indices continuing to face valuation drag, sustained FII selling, and pressure from oil prices, I'm looking to shift a portions of my fresh capital into US equities.

Given how strong US market earnings and tech mega-caps have been over the last few years, I want to build a solid, long-term portfolio there.
I’d love your recommendations on specific US stocks.

Thank you

Here's the situation. My father has a small business from 10-15 years, over the year due to bad financial choices and luck. He managed to accrue this massive debt. Idk the actual amount, as he told me it's 25 lakhs and I doubt that. His income is around 40-60k a month, and I've started earning 17k since last 2 months. In a couple months I'll be able to earn 25k per month minimum.

Most of my father's income goes towards household expenditures and paying off the loan, but it isn't even decreasing a bit. Most of what he repays goes towards outstanding interest, not towards principal amount. If any big financial need arises, ig he takes another loan from somewhere to fulfill it.

We have 23 bighas of ancestral land in Rajasthan. Around 10 bigha is right adjacent to village and according to my father. Similar land patches in our village were sold at rates of 10-15 lakhs per bigha in past. A second piece of 13 bigha land we have near a newly built rural highway. According to my father, it's current rate is around 2 lakhs per bigha as it is bit far from village, although not much just 6-7 kms.

My mother wants to sell it to pay off the debt, but my father isn't agreeing to it, saying that he'll only sell it after me and my siblings marriage that is 2-3 years in future. While I agree to not selling the land currently as its value will rise in future, I'm worried about this debt. I'll be married in a couple years and don't want to be burdened with this debt while taking new and crucial responsibilities of a family.

How should we tackle this issue?

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---I may seem ungrateful and viewing this issue as if its someone else's, but I'm just bad with words and expressing my thoughts.