Let's talk money habits.

(This is a networking request but if it comes across as a personal ad against community guidelines, I can take it down.) I'm a journalist turned brand and corporate communications executive turned published author with two decades of experience in content, news media, branding, and public relations. My passions are financial literacy and personal finance. I'm well connected with the national media especially in finance. I'm also a spokesperson appearing on TV regularly to discuss personal finance matters. (Here's a big-ass AMA thread from me - https://grapevine.in/post/62dc97ee-e9f8-45bb-82d0-7174bdef05c4 ) I'm based in Bangalore and have some free time open, which I intend to use to develop mutually beneficial professional relationships. Any founders, marketeers, or comms people here who have ongoing challenges with my areas of expertise? I'm open to discussions, short-term consulting projects and mentoring. Cheers.

Hello community, I wanted to know how you guys manage your money? Like those with 10+ years of experience having more than 20 30 lakhs, what do you do with that money? Do you invest, put the money in the bank. And how do you feel safe about it. Recently, one of my neighbors' bank accounts got freezed out of nowhere, thus the ask. Would love to know about how you guys handle big chunks of money.

Basically want to know how you guys strategise and manage spending. Few questions to make this easier 1. Are you single/married? 1.5 Do you have impulsive spending issues? 2. What’s the spending + investment + necessities + savings split? 3. Are y’all targeting “FIRE” or just winging it? Been making this much for a while now, married too, zero generational wealth. Somehow we’ve got very bad financial discipline and manage to save only under a lakh per month in Bangalore. Feel we should be doing better :/

I’m sure all of us are above average at at least one thing. It could range from making a mean Maggi to playing an instrument to making new friends to flirting to anything else. What’s yours? I like researching in depth about financial products and have a good working knowledge of common topics such as tax, mutual funds, insurance. 😊

Most of us have had financially restrictive childhoods and now earning well above our parents at the same age. (You got the point, Don't come at me with inflation and all) It has been ingrained in you to save resources and spend less. Deprive now, so your future can be better. But future is uncertain How have you built the mindset or financial habits that let you enjoy the present and also not worrying about the future?

I have reached this number after working for over 11 years I know disciplined investing/saving works wonders.

I started my career as a humble analyst in a tech company, worked my way into finance and venture capital and eventually am heading to a top tier bschool in USA, where I will be paying what it costs to go to an ISB/IIM yearly. We have the Warikoos, and countless others breaking down personal finance and urging people to save. I have mostly done the opposite - i.e., spend liberally but not be profligate. Here’s my view. We are a poor country. If you find yourself in a place with the resources to spend more than the average person you’ve grown up around, please do! Spend on what makes you happy, pushes you, drives you, and allows you to step change your life. Security can be achieved with a good insurance plan and decent emergency funds. Beyond that, please spend on experiences that make you a better person, give you access to better people and enrich your life. Eventually time is the most finite commodity we’ll have. We have 1000s of podcasts on savings, mutual funds, ETFs etc. Does anyone talk about spending effectively to enrich your experience? No. I am pointing to a larger theme of a scarcity mindset that indians have, because we have grown up in a low-middle income country. It’s where we come from, but that doesn’t mean we cannot experience abundance. Life is short, don’t listen to people making money off you watching their personal finance videos.

Hey folks, I'm a recent graduate, got a job at a startup and the base will be <15, >10. Shifted to Bangalore (more like returning after 6 years, lived for 4 years before that). Since I'll be starting my full time journey soon, I want to know how you guys split your take home salary into needs, wants, luxury, savings, investing etc. Currently, I'm in a rented flat in HSR (my split is 7k) and will rent out/buy some home appliances. Food would be around 10k a month (no maid, all outside). I just want to know your experiences on spending and handling money. Not that I'm bad at it, but this is the start of my journey and I would like to know how other people manage their money, so I'd know if I have to tweak some things. Do tell any strict DOs/DONTs, common mistakes.

I did not grow up in a lot of money. I ordered looking at the prices on the menu. This feeling has stayed with me and has fueled me to thrive, push harder, work long hours and get to my goals. I'm 5 years into my career, and last year I had a feeling of "making it". I had enough to not look at the menu, or even the place I'd be going to. This feeling is really really satisfying and I took some time to sit with it, enjoy and bask in this glory (humbly). But I also feel my drive to hustle and do better has gone down. For instance, I'm okay pushing work to tomorrow, I'm not as keen to pickup work. I feel some of graveviners could relate to 'making enough' story. Have you also feel a lack of hustle to keep you going? What do you think is the reason? For experienced folks, I'm really keen to know how to get past this slump.