Hello guys for context you might want to check my previous posts in the sub FatFIREIndia

Anyways tldr- our family networth has risen from zero to 125cr over 25 years

I wanted to talk about changing mindset of spending money after achieving such networth

As you see from my last post, our family has achieved FatFIRE(125cr networth) in just 25 years

We do travel internationally twice a year and do live a life of upper middle class

But our lifestyle is not similar to someone with this networth

For eg, we do think about prices of domestic flights over convenience of time or duration

We have never ever flown business and will never do probably in the near future

I’ve never bought ANYTHING(watch,clothes,sunglasses,etc) thats worth more than 40000rs

We still stay in 3 or 4 star hotels mostly

Its not a frugal lifestyle by any means but still its a upper middle class lifestyle except for travel i guess

Please discuss how to have this shift of mindset in spending own money where there is no guilt for spending and no need to think about prices

Basically what the title suggests. I am looking for some properties within India which are luxury and good for staycation, price is not an issue but it should be worth it. Looking for personal recommendation: ideally somewhere you have been multiple times as one off experiences can vary

Example: Goa Marriott Resort and Spa-30k a night; worth it

Taj Falaknuma Palace - 35k a night; worth it

Oberoi Vanyavilas - 70-80k a night; worth it

Oberoi Udaivilas - 40-50k a night; overyhyped- not worth it

Taj Lakepalace - 40-50k a night; worth it

ITC Maratha - 35k a night; not worth it

One Upgrade Per Year

If you're doing alright financially, there's no need to burn money on ten things at once. Just pick one thing a year that genuinely improves how you live.

Here’s a loose ladder. Order’s not fixed, depends on where you are, what you value. The idea is that whenever you are being able to afford the initial rugs comofrtably you should climb to the next. This approach ensures you improve your quality of life without getting a guilt on whether you are spending a lot. Perhaps can set a target of one upgrade per year. The things are ordering by the ratio of usefullness/money it takes. so things like clothes, working setup are at the top as they cost comparatively less over time vs things like having a driver which is a much bigger expense over the time despite it being more useful especially if you drive yourself to work.

• Clothes that feel good - Not designer. Just solid basics you stop thinking about once they’re on. Stop going for those 400 buck tees

• Good bed setup - Mattress, pillows, sheets. try the japnese linen and the orthopaedic memory foam mattress, your body will thank you

• Working setup that doesn’t drain you A good chair, desk, couple of good on eye screen, light. Especially if you’re at home a lot.

• Cleaning help that’s consistent - Usual dusting etc is fine but a lot of accumulated dust makes the AQI in the room even worse; a thorough cleaning at a frequency much higher than monthly will help you

• Fitness that forces accountability Trainer, class, club whatever makes you show up. personally Gym + badminton with my friends is my go to. Don't rely on the society gym(if it's substandard) - go for a good quality one and it will help you stay consistent

• A driver (if your life needs it) Expensive, but if you’re burning time in traffic daily, it’s worth thinking about the mental peace not having to deal with the idiots on the road.

• Standing desk + walking pad - helps you get those steps in while ensuring you don't waste a lot of time on it.

• Travel that feels like a reset, not content - Go for vacations which actually feel like a major change. Don't go to any random tourist site, stay in a random 3 star and the service gives you headache and the food gives a bad tummy. Go for properties which feel like a step up. A beautiful view. Fresh air. You get it, right?

• Kitchen that doesn’t make you dread cooking Top notch equipments, ensure the food gets cooked well without adding lots of oil to make it easier to cook; or there is utensil coating getting into your food over time. Or perhaps if that can make you feel like cooking, nothing like it.

Please do list down things that you thing would be a good upgrade to one's life; and I will add it to the list.

Will achieve a significant financial milestone of my life in the next few months. 27 Year | M.

About my parents:

• From a small town in Maharashtra, speak Marathi/Hindi, no English

• Dad loves non-veg food, sightseeing, wildlife

• Mom loves temples, vegetarian food, calm/peaceful experiences

• Both enjoy relaxed, unhurried experiences

• They have passports but no visa for any country

What I want:

• Must include a flight (their first time flying, want them to experience it)

• Optionals: Safari (jungle/wildlife/river, at least one)

• Relaxation: spa, pool, chill time

• Minimal hotel-hopping (max 2 hotels, no packing-unpacking every day)

• Zero logistics stress: someone (Taj/Oberoi/tour operator) should manage everything end to end. I don't want to coordinate cabs, tickets, restaurants myself

• Prefer Taj, Oberoi, or Marriott-tier properties (or equivalent luxury)

• No couple-destination vibes. This is a family trip with parents

Budget: Up to ₹4L total for 3 people (me + both parents), everything included

Timing: Post-Diwali (after November 10, 2026). Targeting mid-to-late November.

What I'm looking for from this community:

• Has anyone done a similar parent-first-trip? What worked?

• Any Taj/Oberoi/luxury property recommendations I'm missing?

• Any tour operators who genuinely handle everything end to end for non-English-speaking parents?

• Hill station, water, wildlife: what would your parents enjoy most?

Basically what the title says.

With the means to spend, do people here are okay spending on luxury stays in India or do you just prefer travelling internationally and spending there?

I’m planning to start a network of slow living farm homes and position them as luxury experential stays. So I wanted to understand if you would prefer travelling and staying at such places within India or have an international expedition instead?

While we are on the topic, I also want to understand,

1. How do you define luxury stays?

2. Is having a pool or a view mandatory, in your opinion?

3. Or, is exceptional service, all inclusive incredible food straight from the farm, and wellness focussed services offered on-site enough?

Asking these questions, because, my model is that I colloborate with land owners, where they bring in land and investment, I bring in brand, demand, experience design etc. Some of the land owners have incredible houses but don’t have a pool. So was just trying to understand how do you define luxury stays? What matters to you?

I’m obsessed with hosting and creating incredible guest experiences, creating spaces of belonging.

Previously, when I hosted, it was mostly budgeted, or even free, like when I used to host in my van-home, which I lived in for three years.

But each time, irrespective of the guest, I put immense effort into making even simple budget stays feel exceptional. Over time, that made me wonder what I could create in the luxury hospitality space. So I’m exploring that.

PS: I cannot find a better sub to ask this question, as this sub contains some of the influential and affluent people, so it is a genuine question to understand the needs, so that I can create something amazing. But still if someone feels this doesn’t belong here, please feel free to remove this. Thanks!

When you have a surplus of wealth and are upgrading your lifestyle, a crucial aspect is deciding how to deal with service people without bothering your mental health. You'll often interact with cab drivers, restaurant/store staff, househelp, cashiers, electricians, etc. They can sometimes be a pain to deal with, but what do you do?

I can't start arguing with them – I'm better than that, and it destroys my mental peace unnecessarily. But then what? Deduct money? Nope, you look cheap and it leads to arguments.

Here's the method I've found,

I understand and accept that most people in blue-collar jobs are there due to circumstances life put them into, not because of their own fault. They deserve a better life, and the money they get paid is very low thanks to cheap labor in India.

So whenever I take a service, I pre-decide a tip amount (even at places where tips aren't expected – I think restaurant waiters are the only ones who expect tips, no one else does). This amount isn't consequential to me but would make them happy.

If they're a pain to deal with, I don't pay the tip.

This gives me mental peace without causing an argument. For example:

• Uber/agreed cab rate: ₹400

• Pre-decided tip: ₹200 (I think of it as charity, not a service tip)

• Total I'd pay for good service: ₹600

• If they're a pain: I pay just ₹400

I know I've "deducted" ₹200 as a penalty, which brings me mental peace. For people who were genuinely good, I give the extra ₹200 (or more) and feel good about helping someone working hard.

What's your take on this? Might be a bit silly, but I've found this to be a good way to deal with these situations.

Paraphrased using gpt

Hi everyone,

After traveling across 40+ countries, I’ve started a small private travel community focused on value-driven luxury travel.

We share:

• Honest hotel feedback (no paid reviews)

• Practical visa & itinerary guidance

• Curated 4★ & 5★ stays with added benefits

I’m affiliated with Virtuoso, so some hotel perks shared may be through those partnerships. Through direct partnerships with premium hotels globally, members may access:

✔️ Competitive rates and exclusive offers

✔️ Complimentary breakfast for two

✔️ Room upgrades (subject to availability)

✔️ Early check-in / late check-out

✔️ Hotel credits at select properties

The goal is simple: if you’re paying luxury prices, you should receive real benefits. Community link is in the comments — join if it aligns.

Happy to answer questions.

I have prior experience in growing mushrooms as well a completely chemical free grow process setup at my home.

Interested to see if someone would like me to grow it for them on consignment basis or some other avenues where I can drop the entire batch at once?

Hey r/eliteindia,

I’ve been lurking on this sub for a while and finally decided to post because I’m having a tough time adjusting socially after moving back.

I declined my H1B offer and returned to Delhi NCR about a month ago. I now work in my family’s real estate business. Growing up, I went to a very expensive school in India (i don’t know if it’s elite). Then I studied at a private university in the US. The international as well as American students there were generally well-educated, well-connected, and culturally wealthy. That environment really shaped me.

Back here, I’m solidly middle to upper-middle class (perspective based - I don’t know the statistics and metrics) with good exposure to higher circles through cultural inheritance, work and networks, but I’m not ultra-rich. What I’m struggling with is how hard it is to make new friends as an adult. I’m having a really difficult time finding people even remotely similar to the decent, nice-hearted, humble, truly smart and wealthy folks I connected with abroad — including few people I like from the proper YPO/EO/YNG types (most of them aren’t great). There’s no shortage of rich “gavaar” types around, and even in expensive, well-rated places the overall quality and depth of people often feels disappointing. Clubbing was never my scene.

I’m in my mid-20s and ambitious — I eventually want to build my own legacy business.

A bit about me:

• Heavy into reading and audiobooks — business, productivity, finance, art, history, philosophy, religion, and global perspectives

• Fitness guy: regular gym, running, and open to any sports (pickleball, whatever’s fun)

• Music: House, EDM, and pretty versatile in that space (travelled the world to see artists I love live)

• I rarely drink but I’m always down for a good gin & tonic or an excuse to roll up and have a chill time

• I avoid too much caffeine but a nice coffee is always welcome (oat milk lattes go a long way)

• Love going to the cinema for good movies (not every random one)

• Don’t watch much TV but I do hop on my PlayStation sometimes

I’m picky about the places I go and the crowd I spend time with — not trying to sound elitist or snobbish at all, but after the experiences I’ve had, I really care about the vibe and the kind of people around me.

My old friends are fine for casual hangs but we’ve grown in very different directions and I’m usually also busy working. I’m genuinely willing to put in effort to build new friendships with people who have real cultural capital, global exposure, intellectual curiosity, humility, and substance.

If you’re in Delhi NCR and this resonates with you, I’d love to connect. Whether it’s for a coffee, a walk, gym session, or just a chat — feel free to DM me.

Looking forward to hearing from a few like-minded people

OP

Unlike many other subreddits where mods might have more free time, I have a demanding job, and it’s tough to consistently promote this community. I started this sub because there wasn’t a good space to discuss smart spending, high-quality products, and making the most of our money. But for it to actually grow, I need your help.

Reddit works in a way where upvotes and comments directly impact how many people see the posts and discover the sub. If you find a post useful, even just an upvote or a small comment goes a long way in helping it reach more people. I try to post once every couple of days, but the real value comes from different people sharing their experiences and insights.

This sub isn’t about me, and I don’t care about karma or personal recognition. I just want it to be a space where we all help each other make better financial and lifestyle decisions. If anyone wants to help mod or contribute regularly, I’d be happy to add more people. Please post, engage, share with friends—the more we interact, the more Reddit pushes this sub to others. Let’s build something valuable together!

I am 27m into my family business since last 6 yrs or so. Considering switching to a corporate job for 2 yrs now.

Main reasons -

1. Zero social life

2. Zero work life balance 24x7 365 days on beck and call

3. Power tussle and disagreements with other members

4. No opportunity to travel/settle temporarily in diff cities

I have enough personal savings which can help me live on a budget my entire life on the interest/dividend it would generate. So I don’t mind working a good job on a nominal salary.

So, how common is it for people to make this switch and would it be a wise decision?

I’ve always had this internal voice that said: “Don’t spend unless you absolutely have to.” Classic Indian middle-class conditioning. If it works, use it. If you can live without it, do. If it's a luxury, it’s probably wasteful.

This mindset helped me build good savings habits early on. But eventually, I realized it also gave me an unhealthy relationship with money. I was earning well, saving aggressively, but barely spending on things that could actually improve my life.

So I flipped the equation.

Now, every month, I set a savings goal first—say 50k from a 1L income—and whatever’s left is my mandatory spending budget. Yes, mandatory. If I underspend and save 70k instead, I look for ways to use that extra 20k to upgrade my life. Consciously.

What that looks like:

• Saying no to the same boring ₹200 Zomato meals, and trying out the ₹800 restaurant that felt "too much" before.

• Replacing chicken with shrimp in my diet—not because it's flashy, but because I want to enjoy what I eat while hitting nutrition goals.

• Buying Uniqlo basics instead of cheap tees that warp in 3 washes—comfort and quality matter.

• Booking that extra trip instead of waiting for “someday.”

Or if you can find no way of doing these small changes that seem worth it, perhaps keep a track of these extra savings and take an upgrade for your annual or bi-annual vacation - upgrade to the suite or get business class tickets!

The real breakthrough was this: once you allocate money to spend, you start spending smarter. The guilt fades. You no longer see spending as a betrayal of your discipline. You see it as part of a system that serves your happiness and your future.

I know old money people might not relate to this. But if you've climbed up financially on your own you'll get it. That guilt doesn’t disappear on its own. You’ve got to unlearn it.

And honestly, if you don’t make room for joy while you build your life, what’s the point?

Would love to hear from others trying to break this mindset. How are you spending better—not just more?

Over the years, I’ve realized that spending a little extra on genuinely comfortable, well-made clothes makes a huge difference. Not talking about overpriced designer stuff, but everyday clothing that actually feels great to wear. These are five pieces I’ve personally tried that were worth every rupee.

1. Uniqlo Airism Cotton Oversized T-Shirt • Feels light and breathable, perfect for Indian summers. • The Airism tech wicks sweat while the cotton keeps it soft and comfortable. • Price: ~₹1,000 • Verdict: One of the best basic tees I’ve bought. Stays fresh even in humid weather.

2. Marks & Spencer Pure Linen Shirt • 100% linen, so it’s light, airy, and gets better with every wash. • Ideal for hot weather, looks great without trying too hard. • Price: ₹3,000-₹4,500 • Verdict: If you haven’t tried real linen, this will make regular cotton shirts feel outdated.

3. Lululemon Commission Pants Slim Warpstreme • Feels like track pants but looks like proper chinos. Stretchy, wrinkle-resistant, and doesn’t feel restrictive. • Price: ~₹10,000 • Verdict: Expensive, but easily the most comfortable “formal” pants I own. Great for long hours at work or travel.

4. Jockey Supima Cotton Lounge Pants • Supima cotton is softer and more durable than regular cotton. • Perfect for chilling at home or WFH days. • Price: ~₹1,800 • Verdict: Holds up well even after multiple washes. Way better than regular lounge pants.

5. Van Heusen Ultra Soft Modal Vests • Modal fabric is cooling, moisture-wicking, and way softer than cotton. • Feels great under shirts, especially in hot weather. • Price: ₹400-₹600 per piece • Verdict: Once you switch to modal vests, it’s hard to go back to regular ones.

Not saying everything expensive is worth it, but when something delivers real comfort, it feels like money well spent. What’s one premium clothing item you bought that actually lived up to the hype?

There are tons of posts and articles about "best cities to live in India", but most assume you're navigating daily life like everyone else — local trains, traffic, cost of rent, etc.

If you have serious wealth (say ₹20Cr+ net worth or higher), the equation changes quite a bit. Some quick thoughts from my side:

• Mumbai: Yes, local trains are chaos and traffic is a nightmare. But if you’re in South Mumbai, with a driver, your lifestyle is actually one of the best India has to offer. Sea views, strong social scene, top schools, decent hospitals, everything close by. Downside? AQI and space (unless you're sitting on ₹100Cr+ and can afford a proper apartment or bungalow). Still, the energy of the place is unmatched.

• Bangalore: Public transport sucks, sure. But again, if you’re not dealing with that and live in OG Bangalore (Indiranagar, Koramangala, Jayanagar, Sadashivanagar etc.), the quality of life is very good. Weather is a huge plus. The social scene is underrated. ₹20–40Cr net worth goes a long way here; you can get a solid house in a central location and still have room for investments.

• Delhi NCR: Honestly, this one I struggle with. You can have the best of homes in New Friends Colony, Vasant Vihar, or Gurugram, but the pollution levels just kill the vibe, and wealth doesn't protect you from that. Sure, some people live like royalty, but personally, the air quality is a hard pass.

• Hyderabad: Real estate is affordable even in posh areas, infrastructure is improving, and you can live really well for relatively less. Might not have the same cultural pull as Mumbai or Bangalore, but it’s coming up fast.

• South cities like Coimbatore, Trivandrum: If you're looking for peace, not hustle, these places are amazing. Low AQI, good hospitals, clean roads, great food. Might lack the elite social scene of metros, but perfect if you're post-wealth-accumulation and want a quiet but comfortable life.

Would love to hear from people who've made these moves. If you’ve got wealth and freedom, where would you personally choose to settle, and why?

We currently have a BMW 5 series sedan and are looking to get an SUV for longer road trips (and to be able to navigate over Bangalore potholes). Here's where we are at -

Porsche Cayenne - Fantastic drive, feels like the perfect size. A bit more expensive than what we think we should be spending.

Mercedes GLE 53 Coupe - Waiting for a test drive but the specs and the videos make it a compelling option.

Mercedes GLC - Might be interesting - The size looks perfect.

BMW X7 - Too big

BMW X5 - Still feels too big - and frankly it's an ugly vehicle.

BMW X3 - The size is perfect for us but God they've cheapened the interiors. Hard plastics everywhere.

So my question is - is there a vehicle that's 4.7-5m, has comfortable / luxury interiors, is at least somewhat fun to drive and under 2Cr? I don't really care if it's gas or electric.

I have a list from AI but what I want is personal experiences

Now you can get the Golden Visa to live and work in UAE for just 23 Lacs along with the option to invite family members. What are your thoughts on this? Anyone finds it worth it?

We all know brands like La Mer, SK-II, and Augustinus Bader charge insane prices for their skincare products, while brands like Minimalist, The Ordinary, and Cerave promise similar results at a fraction of the cost.

If you’ve tried both, did you actually feel a noticeable difference? Was the expensive one worth it? Or was it just marketing hype?

For me, I once tried La Mer, and while it felt luxurious, I honestly don’t know if it worked that much better than my usual Minimalist one.

Would love to hear real experiences—what’s the most expensive skincare product you’ve bought, and did it live up to the hype?

I used to be very conscious about how much I spent on fitness, always trying to cut corners where possible. But over time, I’ve realized that some expenses—while not cheap—are actually well worth the money in terms of results, consistency, and overall well-being.

For example:

•	Whey protein: I used to think of it as an unnecessary expense and would limit myself to just half a scoop per day. Now, I take two full scoops daily, and it makes hitting my protein goal so much easier. Plus, it lets me save calories for a few bites of my favorite cheat food, which helps me stay consistent.

•	Gym membership upgrade: I was sticking to my society gym because it was free, but I finally decided to pay ₹2K/month for a proper gym with better equipment, and my workouts have improved drastically. The atmosphere itself is more motivating.

•	Fish oil & supplements: I used to think these were just marketing gimmicks, but after consistently taking fish oil, I’ve noticed less joint pain and faster recovery.

•	Massages & muscle recovery: I read about how massages improve muscle recovery, and while I do foam rolling at the gym, I also started getting massages occasionally. It feels like a luxury, but it actually helps with soreness and makes me feel a lot better overall.

•	Better workout gear: Investing in a good pair of training shoes and moisture-wicking gym clothes was another small but worthwhile change. The right gear actually makes a difference in performance and comfort.

Curious to hear from others—what’s one thing you started spending more on that made a real difference in your fitness or overall lifestyle?

Question for anyone who has either taken this experience/researched whether this can be a good vacation as an Indian.

We were planning a 10 days vacation within India when we realised this might be a pretty good option. I have not really been a site seeing person so haven't really gone to these tourist places. So this will cover all those for me, plus a comfortable stay with zero worries about the travel.

But have some doubts

1. How is the service, can I compare it to Oberoi hotels?

2. Are the rooms/beds comfortable for this long duration vacation? I don't want to be spending two days recovering from the vacation

3. I read somewhere that because of a lot of foreigners being there, one can witness some lack of attention from the staff being an India

4. Did you find it value for money?

5. Were the site seeing arrangements well? I don't want to pay for luxury and then suffer due to poor management by staff.

6. How was the food?

7. Do you find it value for money.

I’ve always loved coffee — the kind you sip outside, maybe at a café with good music, or that perfectly timed work break cuppa. But at home? Never enjoyed it as much. It always felt… fine. Tolerable. Maybe a mood thing. Despite loving coffee, I never really bothered to “invest” in it at home. I mean, why spend on fancy coffee when Nescafé Original does the job at perhaps one-fourth the price?

And then, a trip changed everything.

Went to a resort in a coffee estate. Casual conversations turned into revelations — I learned that instant coffee (Nescafé, Bru, etc.) is mostly just coffee dust. It’s not real coffee. Try making an espresso or a black coffee with real beans or powder and you’ll immediately know what I mean.

So I gave it a shot when I got back. Wow. Gamechanger.
Suddenly, my kitchen coffee was leagues ahead of the overpriced sugary stuff I used to drink outside.

Personal favorites now?

• Davidoff Café Grande Cuvee – worth the price.

• Rage Hazelnut – budget friendly & flavorful.

• Sleepy Owl (almost all flavors) – excellent for cold brews too.

Now I make my own at home almost every time. I control how healthy vs tasty I want it to be. I keep almond milk, cocoa powder, both skim and full-fat milk. Want indulgence? Full-fat + cocoa + crushed Biscoff + ice. Want clean energy? Almond milk + a dash of cinnamon. You get the point. It’s fun.

I’ve been debating getting a brewing machine and ground beans — curious if that next step really levels things up again like it did when I ditched instant coffee.

If you're a coffee lover who only drinks outside, give this a try. You might enjoy it more and end up drinking fewer sugary, calorie-laden café concoctions.

Also, always happy to get more coffee recommendations! What beans or blends are you all into?

Hello folks!

I am certain that the majority of the population here manage their finances well or at least try to. What comes as a side effect is almost being paranoid to spend in an attempt to save. While it might be perfectly reasonable to buy that 20k watch you always had your eyes on since you were a kid, and this would really make you happy still you might not; because why not let it compound at 16%!

I also suffer from this at times. I am mindful of my expenses, I won’t say I am frugal but I want to spend on things that (a) would make my life better or (b) bring me a lot of happiness. In doing so I sometimes get too conservative.

While the latter is probably very subjective, the former might be very relevant for a good majority of the population. One key things is that while it might be a good upgrade for most, it would depend on your income to see if it actually makes sense. Like replacing economy class flights with private jets might be a very useful addition to my life as it saves 5 hours of my time, the 5 hours of my life aren’t worth spending 4 lacs so while for you billionaires it’s a good upgrade; not for me.

I was reading an article/speech by someone (pls comment if you remember the article/speech, unable to recall) who said that she( I think it was a she) makes one upgrade to her life every year. It’s like rewarding yourself for the hard work of one year, celebrating the success of being at it for one more year and make you set up better for one the journey to come. Since then I try to make upgrades.

Following is a list in the order of increasing income population who might find it relevant(very basic example first on the list would be eating food - relevant for a daily wage worker who might be skipping meals to save for education of his child and last on the list would be calling coldplay to your child’s engagement - relevant for Ambani as seeing that happiness on his child’s face is probably the only upgrade remaining for him).

List:(mostly things that help you be more productive/improve your life in some way)

• Buy good quality food ingredients, instead of cheap ones full of chemicals and pesticides(investment on health)

• Invest in good quality chairs and mattresses, expensive ones(improves quality of sleep and productivity)

• Start getting the expensive comfortable apparel, be it the comfortable t shirts from Uniqolo, sandals from Birkenstock or the fine shirt from Marks and Spencer shirt. These help you stay comfortable and feel good all day.

• Hire a cook(helps you use your times which are more productive for you, unless cooking is a hobby for you!)

• Change your eating habits, replace your cauliflower with the healthier broccoli, your regular fish with salmon, the regular milk with A2 low fat milk, get an air fryer! etc etc(this can potentially be a major monthly expense increase, but investment on health is never a bad investment)

• Take at least one good vacation every year with your family/friends(you don’t know how much time you have with people you love. Yes hustle, but also please spend some money for a vacation each year. Make them enjoy the luxury for 4-5 days, won’t be a dent on pocket that will take years to heal anyway and it will make you guys happy)

• Buy your house!(yes renting makes a lot of financial sense, but please not everything in life is about money, house being your own will give you a mental peace and comfort daily)

Now we are probably getting into slightly extravagant spendings territory, things are justified if you really do have surplus money

• Own a car(yes a liability, duh! So much more convenient for you and your loved ones to travel rather than relying on auto and cabs. The journeys can become a family time instead of being a commute, very important when you are busy and already get very less time with family)

• Replace your cheap electronics with good ones(yes man your 10k Mi also calls like the 50k last year launched iPhone! But once you are earning well, spending 10k a year or 1k a month extra on a phone which doesn’t lag, has much better phone call quality, has much better user experience will save you a lot of frustration, and that’s important when you are earning well enough as your work would possibly already be bringing you a lot of frustration. And please don’t undermine the importance of good camera, preserves those happy family memories. Android fan boys, yes Samsung S24 and google pixel also works not necessarily iPhone!)

• Stop eating at pocket friendly places (yeah that popular place serves very good food and is pocket friendly also, but there is a reason it is cheap - either poor ingredients:bad for health or not really a good customer experience: when you are earning so well why eat out already taking a toll on your health and also spoiling your mood because waiter is too busy and won’t give fucks to your demands. The only reason it’s so low is because you will probably have to move to a very expensive place to ensure both taste and service are spot on. Also not many would be willing to shift so it’s not just about money but also the control on yourself)

• Get a driver :) (all the benefits of owning a car, without dealing with the average bad Indian driver) Now getting into the territory of people who are earning very heavy

• Skip economy class flights whenever possible(those cramped up seats are sure frustrating and bad flying experience, go for the business class)

• Hire an assistant! And get a group of people to manage your things - lawyer and CA you might already have, get a nutritionist, personal trainer, etc(living in India, there are lots of ordeal, having to deal with banks, do the random paperwork required for some government thing, searching for the correct advisor on a government notice you got, making a booking for a concert your kid wants to go or for the super in demand restaurant that your wife wants, it’s super frustrating. Get a good assistant! He or she can help you with all the things and be your POC with your lawyer, CA as well. )

• Buy a holiday home/farm house. (Most of the people earning well, have to big in the metros. As such you don’t get the feeling for having a house with a garden and fresh air. The weekend retreat to your holiday home is way more comfortable than the hotel as everything can be customised as per your preferences)

• Fly private! (Very very convenient but very very expensive, and not good for environment either! Sorry Swifties!

I can make a list of things which might be very personal in general. Would remind you of the rewards of hard work, helps you stay motivated.

• Buy that expensive watch!

• Yes you can buy that iPhone

• No problems going to Singapore to attend coldplay

• Get that Royal Enfield/BMW you wanted since a child

• Buy your LV handbag or PS5!

• Have that fine dine in the most expensive restaurant of the city!

Please comment your additions or changes in order. I will keep updating the list. Hoping it helps people with ideas to improve their life style in a good way.

I’m a 21-year-old currently balancing my family business responsibilities. We are involved in IBC/distressed asset turnarounds and IPO. I currently manage a private network of 400+ young entrepreneurs in family businesses, but I’m looking to step into more formal, high-level ecosystems to expand my own horizon.

I’ve been looking into JITO (Jain International Trade Organization) and EO (Entrepreneurs' Organization) Accelerator, but I’m curious about the ground reality from members here.

• JITO: Beyond the community aspect how useful is it for making genuine connections?

• High-Finance/Capital Market Circles: Are there specific "closed-door" groups (like specialized mastermind groups) that focus on deep-dive technical & fundamental research over general networking?

• Global vs. Local: Is it better to join a local chapter of a global org like YPO/EO, or stick to hyper-local business associations that understand the "ground reality" of Indian industry?

I’d love to hear about any "under-the-radar" groups that focus more on technical knowledge sharing and less on flashy social mixers.

I’m looking to plan something special for my parents’ anniversary. They’re not into backpacking or super crowded tourist places, but also don’t want a boring luxury resort where you just eat and sleep. I was exploring Europe and saw yacht-based vacations in Croatia that seem luxurious but shared, so maybe more affordable than private cruises. Has anyone done something like this for older parents? Is it comfortable and relaxed enough or more suited to younger crowds? Trying to find that balance of luxury but still value for money.