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@juanna Congratulations, mate! Can you please explain why your SIP is still such a small portion of your monthly in hand?

@herman3 I don’t have any premium credit card. Only a basic fuel credit card 😅

@zashmaster If returns post 2021 are to go by, I stand to gain profusely by getting a loan, lol. My portfolio has a 3 year CAGR of 21%. Hence the confusion. Is it worth the risk?

I, M26, am planning to get a new car (~15L) for my family of myself and my mother. I have ample savings and emergency fund and can easily pay cash down and get this car. I have never taken any EMIs/loans whatsoever. This will be our first new car and a big step up from a 10 year old 2nd hand...