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@sethk Those savings include my parent's savings too as I shared my full income with them. My major expense was 30L in my house in tier 2 city. No loans to date.

@sethk If your risks are limited to working in startups or compromising somewhat on salary, then I think you could be fine. You have good financial support. However, if you plan to start something for your own, then debt trap is a big big no. However low the EMI be, you won't be able to afford...