How much on money speny on baby is too much

Going first, for me it is my Apple Watch Ultra (with Blue Ocean Band). I paid Rs. 1.05 Lacs for it but still the best investment I have ever made

I am almost 31 now. Usually in our families, by this time, married couple is having a kid at least. We don’t want to have kid only because i work in startups. Last 2-3 years were tough from job security point of view and I don’t want to get into a situation when I don’t have job to support the family and kid or I need to change locations frequently because of jobs. Is this common for more folks? Thoughts? PS - I have emergency fund of 6-8 months.

Finance and personal : DINK, but planning. No major savings or investments. Will be only a few lacs (10-15 lacs) before the baby is here. Wife will be off the job for a couple of years. Will be living pay-check to pay-check on my income, with a family to support. Struggling with health. Gained 20 kgs in 3 years. Putting efforts to undo this, but struggling. Professional: 8 yoe+ in Product management. Current employer not aligned with long term personal goals ( post 5 years type goals - tier 2 settle in, remote etc ) No increment since quite a while…company is growing but slowly. Mentally: Nothing is making sense. In the larger scheme of things, nothing really matters. Inertia is there to change job. No motivation to work at all. What will I even do after a job change ? There is no excitement of the same. No excitement of starting up myself either. Something doesnt feel right. I used to be the powerhouse of energy and motivation, a while back. Now I’m just the opposite. Is it fatigue speaking ?

This should include everything from home bills, entertainment, medical expenses, trips etc. When I was single (back in 2016), my expenses were around 20k per month. Now I easily go above 1L every month (without rent, we live in our own house). My wife also works and she has her expenses too. Not sure what’s the reason for it though. We live frugally and don’t spend lavishly (atleast I don’t think we do). I barely buy anything for myself (I use 1k earphones and buy clothes from decathalon). My wife is the same. Is this common when you get married? That your expenses permanently increase? Or is there something I should be worried about? TIA

Me and my wife are 30 years old software engineer with no kids. Draw 7 lac a month please some yearly bonus. We invest 2 lac a month combined into equity market through mutual funds. Expenses: 1.5 lac a month including everything, lives in Bangalore in good society, owns a car, don't thing much before spending. Still after everything left with 3 lakhs every month in bank account. Not sure how to use that. We both don't have any fancy "shauk" where we can spend and hence don't have an urge to earn more. Any suggestions???

Hello, i’m planning to buy house and need suggestion. People who bought houses in premium or normal gated communities can you share your good and bad points about these gated communities? How are you managing high emi, school fees, building maintenance fees, personal health and monthly groceries. How much money will be saved every month?

I come from a poor background, but somehow I worked extremely hard and now I earn decently well (above 60 LPA cash). My problem is- I don’t mind spending on others. In fact I don’t even think twice before taking my card out and buying things for family or friends. I have also lent money to multiple people when they are in need of help (total close to about 2-3 lakhs). But it doesn’t bother me even a bit. I don’t even care about whether I’ll get it back or not. But, when it comes to me, I find myself struggling so much and questioning my decision to buy things even as cheap as INR 200-300. And most of the times I find myself going extra miles to save a few bucks. In fact, I also recently downgraded from a bigger to smaller apartment, because I have been doing so much maths around saving 7-8K a month. Maybe there is some part of me that feels that I don’t deserve any of this. Anyone has any idea how to fix this?