Let’s talk after this bull run gets over kid!

Backend Engineer

Moreover their share price surged after they declared they were profitable

Product Manager

Only if I stopped by food craving and increased my holding by 50000 at ₹50-75 (45% of swiggy/zomato spends).

Software Engineer

I may be wrong but zomato is still a new company, we will get more such chances to buy this stock.

Yea ig we might, before they declared they are profitable the share price was around 70...

Investment Manager

I bought it at 141 a couple of years ago.  
 Then kept buying more till the avg reached 110.  
  
 I think I just got lucky.  
  
 Also theres a bull run going on (I think it's slowing down now though)

Founder

Welcome to Personal Finance's Private Community

Only if I wasn't broke and brought more

Only if I wasn't broke and brought more- Grapevine

Welcome to Software Engineers's Private Community

I'm a 4th year student from a pvt college. Did 3 internships, one in a decacorn, one in a unicorn. Have an offer from Amazon for SDE 1 when i graduate, and one from the company I'm working at right now. Reached so far only with development skills, projects, hackathon wins and OSS contributions.

My leetcoding and competitive coding skills are downright garbage. I have absolutely no motivation to become a leetcode monkey and get more offers, but given the current market scenario, seems hard to get good offers without mugging up  800 leetcode questions.

Folks in software engineering who made it with leetcode, how did you do it, and what did you do to kill that builder urge and mug up leetcode. I can't do this anymore.

No motivation to do Leetcode

I have been pursuing some aspirational products like Apple Watch SE, Airpods Pro 2, PS5 etc. since a long time. I go to the Amazon page and add it to cart but then my conscience questions me as to is it worth spending so much on it? I earn decently and live in BLR but still I dont fully understand to give my mind a valid reason for purchasing a 40k Watch that shows time, some metrics and some automation. Also 20k for listening music, 50k for playing games.

It feels as if is it sane to spend much on these personal material stuff? How do you folks look at this while making purchases?

How do you justify expensive purchases to yourself?

For some ps5 is not about price, it's about their dream to buy since college days (many ppl I know bought it) and same goes for other stuff as well.

Digital Marketer

Software Developer

So, I'm young, recently started working less than 2yoe, i have always wanted a gaming PC, so I wanna build one now. Will cost me close to 1.8Lakhs, I have a savings of total 6lakhs, should I withdraw from my mutual funds (Nippon smallcap).

My idea is, i won't have the time to play games even if I have money later on, but now I do and this had been a long time wish of mine but I could never afford it, now i can. But logically, I'd be taking a hit on my savings, heart says live a little this is what u saved for, brain says u got a lot to save.

Could u guys please help me make a decision 😅

Should I withdraw from savings?

Welcome to Gadgets & Apps's Private Community

I've been wanting it since I was a kid just like I wanted an ipad. I pondered over ipad for 2 years and then ended up buying it. It has been 8 months since I bought it and it's lying discharged because I don't know what to use it for.

Similarly I've been craving to buy PS since I was a kid. I like gaming but not too big of a fan and now im concerned that even if i buy PS 5 will i use it?

Whats your suggestion? I don't want to throw 50k like I did for iPad. 🤐

PS: I can very well afford it so money isn't a problem. It being worth the money and I being able to use it is, and I don't know what to do

Should I buy PS5?

Senior Product Manager

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.

Let's talk money habits.

Corporate Strategist

I’ll go first, getting that old PSP, the one which had WiFi in built. Or maybe PlayStation 2 which was like 5k-6k back then.

Now, I could get a PS5 or buy games to play on my PC, but the feeling is lost. Just like my childhood.

I guess I lived a part of my childhood today. Went on a walk and had a Cornetto IceCream, which back then I didn’t have the money for and had to buy an Orange/Cola IceCream. Then, I walked around my society.

Saw a few kids playing football and instantly teleported back to when I was a kid.

Now that child is gone and the dream has too. 
But still, it feels good remembering that 5 year old me would be proud of adult me, and that’s what truly matters. 🥰

[Thread] Did you have a wish as a kid that went unfulfilled that now you can afford but don’t have the same interest anymore?

I dont care about money above a certain amount, i dont care about power. I just want my newfound family and my stability. To live a happy life surrounded by my loved ones. I feel as if its not a bad dream to have.

All id want is stability

Welcome to IT Company Discussion's Private Community

I have 7 years of experience as a manual tester. In terms of my coding knowledge I'd rate myself 2/10.

I'm married with a daughter who will be turning 1 very soon.
Considering the inflation and increased cost of living, I think my CTC is pretty average.

A developer having 2-3 yoe generally earns the same or more than I do. All my friends are earning shit ton of money and I feel like I can't compete with them.

I don't have to compromise on anything if I want it or need it but I know I can't live a lavish life with what I earn currently.

Here are some questions that come into my mind:

1. Should I switch from testing to development?
2. How much growth can I expect just being in testing?
3. If I were to make a switch to development, what tools, language should I aim for(considering my coding is really poor)

Should I switch from Tester to Developer

Software Test - QA

Welcome to Indian Startups's Private Community

Seems like Ultrahuman had started focusing on the US market (because India is saturated after a point). Oura must've sued them to limit competition, and because a lot of things were too similar. Anyone knows more here?

Oura sues Ultrahuman for copying it's technology!

Kept my phone and keys in the same pocket and walked for just 5 mins and realized my mistake. Immediately checked my pockets and… the damage was done 

Please be with me in these terrible times :)

Please cheer me up :/

I am marketing manager at a mid-sized SaaS company. I join work everyday at about 11, 11:30 and stay in front of my computer at least until 7 pm. But the thing is I barely have any work. Whatever little work I get I manage to finish them in a few hours and that's it. All day long I either scour for work or spend time on LinkedIn applying at new opportunities. There are days when I barely do anything at all. 

Not that I don't try finding work. I have come up with a lot of new projects but they all hit a snag for one or other reason. After a point I just stopped following up. Every bright marketer that ever joined during my tenure either left or just adapted to this org while doing consultancy on the side. At the end of the day I feel frustrated and terrible for not contributing or doing anything meaningful. If I was tad more courageous I would have left this crap and start something on my own. But I not. I need this money and addicted to this stability.

Employed and jobless

Product Marketing Manager

The Delhiite in me ensures I am always tracked 

Sending cab location sharing
Last seen full length and face pic
The place I am going to - Google maps link
The person I am meeting - Name n number

(The last one couldn't be followed for many GV meetups, but luckily all turned out well 🤞) let it not be jinxed 🧿

The Delhi Travel precautions

Consultant

/s

[ also hoping to have some responses from people in their 30s & 40s for insights ]

pls don’t say boards dene ki jagah crypto kharidna tha 2014 me🫠

What’s your biggest regret in life?

Business Analyst

Hello folks, 
Due to some financial crunch, I'm planning to get a credit card but I've heard from people about the scary stories of credit cards. Can any body who owns credit card can give his experience or any tips what card or how to use the card or any other general advice. 

I just want to use cc for online purchases and maybe in emergency situations. 

Thank you in advance.

Mindful credit card usage

Milestone crossed 1M USD combined networth (~9.15Crore Household Net-Worth)
46 M (Software Engineer/Founder) + 37F Wife (Lawyer) + 1 Kid (3 Year Old) based out of Delhi.

So last week me and my wife finally reached this milestone, >1M USD networth. Here is our portfolio. I hope people here can recommend what I should do next.

This chart was made by our Wealth Manager.

Rough Net Worth Breakdown:

1. Provident Fund and National Pension Scheme (EPF + NPS): 1.1 Cr

EPF: 75L
NPS: 35L

2. Savings Account and Fixed Deposits: 20 L

Savings Account: 12L
Fixed Deposits: 8L

3. Mutual Funds (MFs): 3.8 Cr (Breakup Below)

Index Funds: 25%
Mid Cap: 15%
Contra: 10%
Small Cap: 20%
Flexi Cap: 30%

4. Fixed Income: 1.3Cr

FDs: 50L (Spread in segments of 5L across 10 banks)
NCD/Bonds: 80L 

5. SGB (Gold): 80L

6. Crypto: 46L

Bitcoin: 35L
Solana: 6L
XRP: 3L
other cryptos: <1L

International Investments: 1.49Cr
QQQ: 30L
NVDA: 32L
AAPL: 28L
AMZN: 33L
GOOGL: 26L 


We may get a good inheritance in the future, ~8Cr from my parents + ~15Cr from my wife's parents, but we are not planning on that. 

Our primary goals are education for our kid(+planning another 1), their marriage, 2x vacations a year(1 domestic+1 abroad), a decent lifestyle, and a good car(we have a SKODA Slavia right now, planning an SUV as we are extending our family).

Please share your financial journey and any advice, we look forward to reading your comments.

Reached 1M USD networth in India 🇮🇳

Wow. Congratulations man. 
Tell us more about what seniority, what kind of company you're at.

Also, 23 Cr inheritance? You must already have been very well off.

Welcome to Office Gossip's Private Community

Do you guys share your salaries with your school or college friends? Kaun Kaun najar lagne m believe karta hai?

Sharing salary with your colleagues or school friends

Tech Lead

I Have a okayish 10-15k Mi phone for the past 2 years 

And I have seen this trend of people buying phones worth more than runway or monthly salary 
Is it all worth it 
I was even excited to buy an iPhone or Top end Samsung phone a few years back 
But Now I don't even feel like it
It just feels like any other electronic gadgets that aren't worth spending much 

The Famous EMI Trap :
This has given so many people the privilege of buying those 1L+ Phones 
Every other guy has an iPhone in Bengaluru, Seems like having an android is more like a standout 

People on this App I just wanna know the opinions 
Am I doing something wrong or the People are Burying in their own trap 
Or Can we just pass saying "Everybody has their own mindset" 

And Not as a rant or frustration just a thought do People still have the Apple as a status mindset
I think that is dead by now
Share your opinion 
Kudos:)
Happy Friday 😄

The High Priced Phone Club

Even though relationships aren't about money and gifts, this rakshabandan I felt hurt and sad and broke, when I had to spend a huge chunk of money on my air tickets to go home for tying my brother rakhi and got nothing much in return. 
*My brother is elder to me by 2-4 years and he's a well settled business man with a very high standard of living*

Only if I wasn't broke and brought more

Discover More

Personal Finance on

by Jordon Lee

Startup

Only if I wasn't broke and brought more

Software Engineers on

by Jordon Everett

Amazon

No motivation to do Leetcode

Personal Finance on

by Jordon Carmden

Stealth

How do you justify expensive purchases to yourself?

Personal Finance on

by Jordon Lee

Genpact

Should I withdraw from savings?

Gadgets & Apps on

by Kendall Denver

Stealth

Should I buy PS5?

Personal Finance on

by Anise Lee

Stealth

Let's talk money habits.

Personal Finance on

by Isaiah Denver

Gojek

[Thread] Did you have a wish as a kid that went unfulfilled that now you can afford but don’t have the same interest anymore?

Adulting on

by Aaron Denver

Student

All id want is stability

IT Company Discussion on

by Kendall Carmden

Globallogic

Should I switch from Tester to Developer

Indian Startups on

by Jordon Lee

Citymall

Oura sues Ultrahuman for copying it's technology!

Adulting on

by Jordon Carmden

Grapevine

Please cheer me up :/

Indian Startups on

by Kendall Vernon

Stealth

Employed and jobless

Travel on

by Blair Carmden

Stealth

The Delhi Travel precautions

Misc on

by Blair Lee

Scaler

What’s your biggest regret in life?

Personal Finance on

by Matilda Carmden

Unnamed

Mindful credit card usage

Personal Finance on

by Isaiah Denver

Stealth

Reached 1M USD networth in India 🇮🇳

Office Gossip on

by Isaiah Carmden

Startup

Sharing salary with your colleagues or school friends

Bangalore on

by Dezi Taye

Swiggy

The High Priced Phone Club

Misc on

by Matilda Carmden

EY

I feel so broke this Rakshabandhan!!