What will you give an advice to 24yr old me

Hi, I have been working in the Software Industry for the past 9 years. I feel like I have made a good use of my time and money and maybe some of my lessons can help you folks as well. Recently did a calculation for my NW and I am happy and proud to see my NW crossing 2CR+. I have 0 debt and do not own a house. Here is how my portfolio look like TC: 1.3 Cr YOE: 9 I am happy to do an AMA. Ask me anything about tech, career, love, marriage, money management, therapy, songs and movies. #Ask Me Anything #ama #amazon #atlassian #google #startups #bengaluru #networth #money management #finance #india Sorry if delay in responses, I'll answer all your questions eventually.

Hi everyone, The year end is here. It was a great year for my FIRE journey and I thought I'll share an update with you all. With few days left in 2023, I've crossed 2.65 CR in net worth after touching 2 CR in May this year. Here's the breakup: Direct shares: 1.7 CR (this was the major driver of growth), ELSS: 0.06 CR, Company shares: 0.06 CR, Real Estate: 0.4 CR (while it is between 42-45 now, keeping this unchanged from May), EPF: 0.34 CR (interest for last year kicked in), NPS: 0.06 CR (investing because I'm in 30% bracket, getting 14.8% xirr here), SGB: 0.03 CR The driver for growth has been a high saving rate. In 2023, i've added 29.5 lakhs in equity, about 2.5 lakhs every month. 6 lakhs in company shares (US listed). The EPF and NPS savings are on top of this. My target was to save 36 lakhs in equity overall, and it's done! Targeting the same for next year. I'm aiming to cross 2 CR in equity before July 24. Another change I did this year is that I've moved away from active advisory. I get the stock ideas from Twitter discussions, analyse them fundamentally and take bets based on the charts. I'm quite confident of my charting skills with max drawdown of 25-30% but upside of multiple x. I could capture 2-3 2x this year with sizable investment in them. I got this confidence after i could take my wife's account from 11 lakhs to 20 lakhs in about 2 years. While the next year can be a huge bull run if BJP wins, I'm still trying to diversify. I'm planning to add a real estate of about 75 lakhs by paying 10%. This will help me leverage as well. The rental yield is the property is approx 5% and calculations show that I'll have to only pay 40-45% of the EMI and rest will be covered through rent. This should bring my equity exposure down from the current 65% to less than 50%. In this I'm trying to diversify and leverage while not denting my current equity corpus. Suggestions welcome to make this FIRE journey better! Thanks!

Is it too late to start all this?? Need guidance from big bros on following: Fitness, Sports, Finance, side hustle, corporate, shift abroad, relationships, content creation and whatever you can add. So am working in a mid sized good product based company as an SDET 12lpa+ with 4yrs of exp it was a good switch for me as I spend too many years in a Manual testing role. Now exposed to good amount of technical stuff. Never invested much as pay was not that good earlier. Stopped going to gym 7-8 months ago to prep for job switch. Have stopped playing sports any of them. Went away from home living in a metro city. I want to grow in my corporate role. Want to invest properly, create content, play sports and maintain at least 4-5 days fitness routine, guidance on shift abroad would be helpful and want to maintain relationships and connections how to meet new people. Ik this is too much to ask/do. Just want to see if anyone who has done this before is here or not. Anyone can share their thoughts and experience and what you want me to be sure of.

Guys, I recently switched to a startup that is operating fully remotely, where I am working as a software engineer. This is something that I consciously chose as I personally liked working from home. I have 2 years of experience in this field. In my earlier job, I was working from the office in mumbai, so I have lived in the suburbs of mumbai for around 1.5 years. I am turned 25 just a few months back. I come from a small town in Rajasthan. I do have a bsnl fibre connectivity at home, which gives good enough internet connectivity as well. Living in a small town and with parents is great. I save almost all of my salary. Now, here comes the confusion - being early in my career, i feel like I should live in the city, like bangalore, explore more things, but since I already lived in mumbai, to be very honest I didn't liked it to that extent as I am not the party guy, and too many people make it more worse, traffic I am not even considering. I am kind of very simple. Home to office and office to home, on weekends maybe go to temples and explore some places around. I also have food choices, which makes it more difficult to survive. Like I am pure vegetarian and don't even eat onion/garlic, nobody in the home actually eats it. No offence to anyone, but I feel extremely uncomfortable when i am asked to eat at restaurants where non-veg is surved during company offsites and all. Now, just for the context, it's not that I never lived away from family. Actually, I am staying away from my family from very early school days, like 8th/9th standard. And somehow, I managed it all during all those years. That is one of the reasons that makes me feel as if I should spend more time with my parents. What would be your advice for me so that I don't leave behind in my career and at the same time live a balanced and happy life. Also, considering my context, which city would you recommend me to relocate to? Or should I not even think about it?

engineering and MBA background, not that smart, but a hard worker. havent really accomplished anything in life. wanna enter IT field am i too late or can i push myself to do the impossible?? be brutal and unforgiving. i wanna see the reality of my FAQed up life

I am a final year student who would be graduating in next few months , many of you guys were at my place few years back and I am gonna through same stage of age that you all already went through , what piece of advice would you like to give me regarding finances, career , relationship and most crucial aspects of early 20s to early 30s as per experience that you gained . Dos and don'ts... ?

26Yrs of Age. 24L fixed + 1L Variable + 30L ESOPs 5yrs Exp Domain: Data Looking to get married soon. Need advice if I should hunt for another job or continue here, looking at the current market. (Avg work quality but lovely WLB)

Hello everyone, I'm a 29 Year-old blockchain developer working remotely and aiming for financial independence before settling down. I have time and money but don't know what to do and where to start from. I'd love to hear from others who've achieved this. Any tips on financial independence strategies would be greatly appreciated!

What is the best piece of advice you wanna give to people who are in their 20s?