How much saving should I try to have ?

Hi, I am 25 years old and I live in Bangalore. I make around 1.35L pm and I’m struggling to understand how much to save or invest in a month. I understand the 50 / 30 / 20 rule but feel like using 50% of my income on needs is a lot. I also do not understand if I should have a different pot for savings (liquid) and investments or if I should be putting aside all my extra money on investments. Also how much is a decent amount to spend on rent + food + lifestyle etc. I like living open heartedly but also feel immensely guilty after splurging too much. How much do you think I should be saving in a month, realistically?

Attaching a recent sunset pic from my gallery. Thanks for loving Part 1 of my RLE. https://share.gvine.app/1phkz5E232ikFMwH8 I am loving this phase of my life. Wlb is good. Eating organic food, drinking clean water 💦 and breathing clean air 🫁. More time for family and society. Getting good sleep with deep sleep more than 2h consistently. No regional holiganism. Life ain't kinda hullabaloo which used to be case in metro. Saving+investing 100% of my salary (thanks to my investments in last 7-8y) I want to sustain this and live like this for rest of my life. I am in late 20s and sitting on total 93L savings. It will cross 8d soon but am confused on how to go through sustainability. Please help me navigate. 1. I don't want to do job. Startup or Meaningful work is my calling. In Covid i worked for multiple startups and helped them in many ways. MVP to PMF, am good at marketing, sales, HR and tech. Planning to join a remote startup or start my own. But it should be meaningful startup not just a bigger fool game. 2. I Can do agriculture side by side as I have around 15acres of land. It can give output = Median package of tier 1 mba. Have ideas like growing stevia, alovera and other useful stuff instead of wheat n rice like my old generation. Then it will be huge but again have to convince father. Startups like dehaat are helping in this as well. 3. Get a good franchise in nearby city like sleepwell, Pizza Hut, kfc or tamo and get regular returns. 4. Put all money in FD and get 50k/m return and live a happy life. (50k is more than enough for family of 5 where I live currently) 5. I love reading, blogging, debating, quizzing on economics, geopolitics, spirituality, semiconductor, politics and tech. Can build an online business around this on YouTube and internet. Please guide me how to reach to correct idea and navigate properly with minimal risk. Thanks in advance and only serious people reply. If someone is on same boat ⛵ then do DM.

Let’s make this thread for savings related discussion: Age: CTC: Total savings: Asset (if any): For example, Age: 28 yrs Male CTC: 35 LPA Total Savings: 45 Lakhs Asset: 2 BHK in Bangalore Share yours!

What is your retirement plan? I found 25X annual saving rule for developed economies where inflation is stable. Any thoughts on this?

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs. i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself. 1. Working in consumer finance. 2. Love personal finance and helping people out with it. 3. Have published 10,000+ pieces of financial content in the mainstream media. 4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 5. Lately been appearing on TV regularly for personal finance discussions. 6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned. 7. My unrealised aspiration is travel and I'm working on it now. No, I'm not selling anything. No commissions, no referral links, no finfluencing. Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :) Ask me anything.

What is the biggest expense, how much do you save and how much do you invest

Recently started earning and honestly living a comfortable life with a much lower salary than most people talk about. Doing the math, I don't see myself needing more than 18L-24L in hand to save and continue living comfortable (but I am someone who always likes to do more and get paid more). If you're <30 and earning this much money, why do you push for higher salary (eg from 30LPA to 40 LPA) - is 30 not enough? Genuine query, open to any perspectives 🙏