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@alfie13 That’s definitely a reality check I needed, thank you! I just need to think hard on what could be my parallel source of income and where my natural inclination lies, and that is gonna be difficult considering I have zero presence on social media, so thinking of something without the...

@valerie112 I already have a medical insurance for them (and nope, sadly, my job doesn’t cover for parents), and my dad’s knee replacement will be taken care of by that majorly. I just want to keep extra cash saved for it for post-procedure requirements that may not be covered by insurance, like...

@snowmonster2023 I’ll definitely look into SGBs. Thank you so much!

@gberta Nope, banking.

@debad Already doing it. Just the other day I was declaring my provisional taxes and realised that the deductible amount in each section still feels so low 😂😭 The home loan and the premiums alone are filling up sections for me by themselves 😂

@debad Thank you so much! This means a lot to me 🥹

@davexpression Yeah, I’m not sure if I want to pay off the HL principal with lump sums as that would mean digging into my emergency funds or bonuses, which I’m not really comfortable doing. I’m definitely going to follow on the working backwards process for my savings and analyse my expenses...

@davexpression Thank you! 🥹 Someone in the thread did mention paying off home loan, but my home loan is currently at 8.4% with 8 years to go and it gives me a sweet tax deduction as well, and I figure that investing that lumpsum would give me a better return. As for the rent bit, I stay in a...

@patrickmiller Hi, just a follow up question on this- 50-55% of what? The entire monthly salary? I don’t think that will be possible for me given the responsibilities and liabilities I have

@ocifferpls It’s the same as mentioned in the post. There are no variable components to my job as such, except the year end bonus which is pretty much predetermined every year and not that glorious

@johnc101 Yeah, didn’t have a big enough income until now where I actually had some extra money to splurge lol and now that I do, I think I am taking ‘treat yourself’ a little too seriously 😂 I definitely need to track my expenses within that ~30k bucket I have. That seems like a cool app, what...

@nhecu942 No please, just a pat on the back and gentle assurances work wonders 🥹😭

@adrianawakened505 Thank you for this! I was thinking of shelling out another 10k from my groceries/‘wants’ expenses into another investment. You’re absolutely right, I should amp up my risk appetite, but you can see why I have been playing it safe till now 🥲 I have a few investments in...

@gvz It doesn’t feel enough honestly 😂 I’m a data analyst

@mike230 Ooh that’s interesting! I was totally unaware about the loan against PPF amount thing, definitely gonna check that out! Thank you so much again!

@mike230 Will definitely do! Is it okay if I reach out to you in case they bamboozle me? 😭 And nah, didn’t bother with PPF and NPS. I was mainly focusing on investing and getting a decent enough return first, and focusing on these once I have a good enough corpus built up. I was thinking of...

@mike230 I definitely appreciate the nitpicking, that’s what I am actually here for 😂, so, thank you for taking the time, really! 🥹 For the FD (and the RD), I would definitely want to have it as a safer investment. Probably not gold tho because I have seen my mum get hesitant about liquidating...

@sebrinarinas Thank you so much for the assurance! 🥹 Definitely going to keep that marriage advice in mind!

@sweetpants Thank you for the reassurance! Mujhe half the time yehi lagta ki kuch build hoga bhi ya nai (I keep feeling that it’s not enough), but this really helps! Discipline toh bana rahega because I would kill myself with the guilt otherwise haha 😂😭

@sarah_bo ‘You’re young, have fun’ bol bol ke maine kitne kharche justify kiye hai aur phir jo consequential guilt trip huye hai for treating myself lol 😭😭 still have some way to go to find the right balance without feeling the guilt, but thank you for lessening a little bit of that today with...