Is it worth it? Is the American Dream achievable and worthwhile?

The sad part is one only thinks of real estate as an investment opportunity only after turning 26/27 types. I know multiple friends who did tons of research and were not able to conclude if this was the best option or not and have up… I know couples/individuals who researched more than 30-40 options across bangalore and Hyderabad. They read real estate trends, read the FY statements of top builders, read numerous number of consulting reports and were not able to arrive at if their option is a best option or not. Another reason being a real estate investment is likely to evil the order of 1-2.2 Cr in these cities and one is likely to keep 40-50% ( maybe more) of their savings as down payment and stick to loan for 10-20 years making it a huge thing. Due to this factor we want to be more reassured of returns potential. Does it make us want to be more reassured of the investment? Is there way too much impact of right time right place in our life? Is our generation not able to take long term decisions like our parents generation took? Is it even worth going through all this and getting a house? Any gyaans of real estate please help out here…

Here is the break-up - Residential Plot we Just bought from our Indian Stock Selling - 90L Equity - 40L Crypto - 6L US Stocks - 26L Mutual Funds - 10L NPS and EPF - 22L Cash - 6L I have not factored in inheritance of about 1CR which will be passed on to us in a long time but I don't want to count that as mine I want to pass that to my son... As that will be his not mine! 3.5 year back I had a educational loan of 17L and my Wife had Equity of 17L so basically we were at 0 at that time... Nothing has changed at all for me... And I do not think even 10-20CR would change me too 😉 I am still a confused stupid... And will be forever ♾️ I have resigned from my current job as I was not satisfied.. I am looking out for more opportunities outside so that I can build the house with that money! Even with 2 CR I don't think I have achieved anything ... I have a long way to go from here ☺️

Considering the ongoing debate between renting and buying a flat, I've noticed many financial influencers suggesting renting and investing in mutual funds. However, there's a strong emotional aspect to owning a house, especially post-marriage and kids. What factors should one consider before purchasing a flat in metro cities like Hyderabad or Bangalore? Personally, I've contemplated buying multiple times, but after analyzing my finances, I've hesitated. I'm currently leaning towards ensuring my net worth covers at least 60% of the flat cost when making such a decision. In the long run, I believe the interest earned on my net worth could potentially cover EMIs during challenging times, like job loss or unforeseen circumstances. For instance, if I opt for a 2 Cr house, I'm considering a minimum net worth of 1.2 Cr across various asset classes like Mutual Funds, Stocks, PF, PPF, NPS, SGB, and more. What are your thoughts on this? #MiddleClass :-P

After reading replies in grapevine for dystopian policies, HR policies, work culture, companies to avoid(looks like all companies should be avoided), related questions I'm kind of regretting as I took the decision to stay back in India and not pursue masters abroad to live with my parents. Given how pathetic the work culture is in almost all the startups(I'll go with 99.99%), politics and poor work life balance and living in a country where I don't get any tax benefits even after paying 30+% direct income tax, is it really worth living in this country anymore ? I'm feeling very sad, looks like I missed the opportunity to go abroad as I'm 25 now. Only my love towards my parents is holding me back since they both are around the age of 60 and I don't want to be the son who will make crores of money abroad and not be with them in case of any emergency. I'm don't want to leave them alone. Looks like there is no hope working in India. 😔

Asking from people who consider that one should strive towards owning a house (or an even stronger stance that not owning a house is not an option for them). Really want to understand their POV. Why are you comfortable taking 15-20 year loans for the dream of owning a house?

I've got a package around 40 LPA with 4 yrs exp, with 1.8L as take home Now, my parents are looking to buy a house at my home town (tier 2 city). It costs around 65L, so have to a loan of around 50L which will be around 65k EMI every month for the next 10 years Also I'm passionate about working on side projects doing some part time gigs, share around 40k to my family for their needs. This house loan will have a burden on me for sure, do you think it's the right decision to take home now or maybe postpone it to later?

It's for the people who stay away from their parents for work. How do you deal with this guilt of leaving your parents behind when they need you the most? Also, if you have done something regarding this, please mention.

I have a strong passion in tech. I’m almost a nerd. The thing is, I never wanted to study the conventional indian way and therefore I don’t have a good academic record. 10th : 8.8 gpa 12th: 71 % Joined a civil course even though i loved tech, regretted and moved to another university after completing 2 years of civil. Completed graduation with a degree in ECE and an 8.1 GPA due to covid. My professional record is quite average with a 12.65 LPA offer as an SDE, 1 YOE. The thing is, I crave money. The current market situation and the opportunities available currently does not seem decent for me to switch and get a 20~30 LPA job. Therefore I am considering higher studies. I need some advice from people who have been there and done that. Share your opinion/suggestions, lets discuss!