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2.7 years. Kind of unbelievable. I won't retire anytime soon - no need to. In my industry, career picks up very late (45-50 prime age). My actual monthly expenses is just 30-35k while in hand is 5lakh+. That can be the reason. Is this calculation right? I got it from networthify. I have 0 as portfolio, just have one flat and some lands at native place.

which industry?

A flat in kormangala, a villa at native place and a farm land of 10/12 acres.

12 Cr should take me through a decent lifestyle ☺️

10 crore

8cr+home. i live in a tier-2 city.

15-20cr

9 crs.. for now ...
2 crs for a house or a land somewhere ..
Rest will allocate to equities... ETFs .. gold.. crypto .. us stocks hopefully that should provide me 2 LPM.. as return so that I can safely allocate that to my expenses and travels ..

20cr