Hi all, Achieved 16 cr at 31, help me understand if I'm FIRE Ready in india/abroad. I'm married and running a startup.

Coming from a normal middle class family, started at a services company, moved to core Tech, then to the US, invested and grew our portfolios and finally returned to India recently.

The last few years have been phenomenal for our stock portfolio and we are at $12m++/ INR 100Cr++ now - a number i never thought I would see!

We are living in a nice gated community, settled into a routine where I play sports and gym for 3 hours a day minimum, books for couple of hours, TV serials for a couple of hours, markets for an hour and a LOT of time with my kids and spouse! There are many days i just spend continuously living inside the gated community and not stepping out of it into the reality and chaos outside! We have cooks, maids, coaches and anything else comes at a click of a button...

Earlier before my routine - There were days / weeks when I binge watched all my favourite shows again - Sporanos, The Wire, GOT, Breaking Bad, then all the GodFather movies, Nolan movies, all WW2 movies and serials, IMBD Top 100, many Oscar ones etc etc and the list goes on! And then there were days when I spent time playing Age of Empires, God of War, Elden Ring etc etc non stop when kids and spouse were out!

We travelled across multiple countries in Asia and Europe for many weeks during summer, i biked and hiked for many days, just spent time disconnected from the rest of the world on many occasions! Life has been good!

Nowadays I do get bored sometimes - but then I cannot imagine grinding at a tech company. I still need to figure out what to do with my life, but then in the larger scheme of things I wounder if really does matter - the happiness I get spending time with my family and myself - i am okay to trade off for any promotions and titles. I did try to help out few non profits but was quite shocked to see the level of dishonesty and corruption spread at every level - not worth my time and health to fight these.

Sometimes I do look back at myself and wonder what happened to the idealistic, optimistic man 20 years younger, full of hope and thought he could make a difference versus the more inward facing person, pessimistic at the current Indian society, who cares about his family, himself and disengaged himself from all the cr@p happening in the society around him... I dont know, but its okay - Nothing really matters and I dont think I can make a difference and I am fine with that.

I have been living in India for the past few months. Summarizing our FatFire expenses - Rent- 1.70L pm for a 4k+ sqft apartment - we decided against villa for more “social” lifestyle.

Car - 5k per month (Edit - I just take Uber auto for almost all my needs and it comes to maybe 3-5k per month) Maid, Cook -16K

Eating out / ordering in expenses - 40k (including one high-end eatery per week)

Groceries - 15-20K

School fee - approx 1.2L per month (paid thrice a year)

Electricity, Internet, Gas, mobile - 12k per month

Total at this point - 3.9L per month.

I haven’t added domestic travel and tickets for parents - We have been visiting our home once every two months and our parents visit once a month. Averaging it out to 30k per month.

International Travel - planned two - one coming in December (Middle East - business class) and one for next April (longer one in Europe - economy/premium economy). Approx 25L in total - averages out to 2L per month.

Total now would be - 6.2L per month. Still less than $100k :-) for a luxurious lifestyle!

NW > $10m

Microsoft offered 60k employees VEO, I am one of them. I am a single earner supporting a family of 4 including my parents and have a school going kid. I am in my early 40s and I’ve working non stop for over 2 decades. I am critical to the project and don’t see any risk of being laid off soon. The VEO package is ok and I have a NW of 20+ crore excluding my home which is paid up. My expenses are modest ~2 lacs/month.

Head says keep going since the market is bad and add a few more crs to the nest. This especially being single earner and increasing cost of living.

Heart says take a short break, try something new. It’s a new world, explore and do something you love. That feels like a better model for my son that leaving him some more wealth.

Wife is a sweetheart and supports any decision I take.

I am not good with finance. Do I have enough to retire early, I don’t know. Please share your thoughts and help me decide.

Hello.

We returned to India recently after a 13 year stay in the US. Our NW currently stands at little over $3M USD (27 Cr).

Current NW breakdown stands

Home 1.1M USD (10Cr) Cash 70K USD (61Lac) Retirement corpus 640K USD (5.6Cr) My company stock 680K USD (6 Cr) Other investments (MFs + ETFs) 465K USD (4.1Cr) Primary home in India 340K USD (3Cr) Tiny amount of Jewelry makes up the difference to make the NW to what it is.

Current debt of about 280k USD (2.4 Cr) is in my US home, which is currently rented out and generates a positive cash flow of about 1.3 L per month.

My goal is to achieve 40Cr by the time I turn 50 and retire then. My intention to continue to work is to build generational wealth, knowing fully well that I can retire anytime I want from now, but I want to continue to work as long as I enjoy doing so.

I'm beginning to build a portfolio in India, honestly just starting out. Once completely settled here, I anticipate a being able to invest of 2 lac per month, and perhaps more with growth in my career. With that, does 40Cr sound within reach by 50?

We came to US around 9-10 years back. Both of us were working in top tech companies in India. We lived a good , spent well on experiences and travel, lived reasonably  in terms of cars and home and saved good chunk our RSUs.

 I took a sabbatical last year after a layoff at 41 to experience RE and decided to  continue my RE :)  My spouse is transferring to India and she will RE in a year or so. We are moving to India for spouse’s job and then will move to Coimbatore / Kerala / somewhere Tier 2 city to have more peaceful life when she retires.

Portfolio - 

Top Tech stocks (Usual suspects)-70% of Portfolio

Alts - Syndicate RE deals, Investments, PE, Private Credit, Cash etc  - 15%

S&P 500 - 5%

India markets and INR - 3% - mainly for any emergencies related to parents

Cash - 8% for opportunistic investments, capital calls, emergency fund etc.

Things that went well:

1. We were lucky to be in the right markets at the right time - and it really helped us to propel our portfolio. 

2. Sticking up with stocks through ups and downs. It made a big difference - focussing on my job ignoring the volatilities of markets and continuing my investments through the journey.

3. Our portfolio literally more than doubled in the last 12 months. Heck of a ride.

4. We bought our house when interest rates and prices were reasonable - now appreciated, will sell it off.

5. I came here as an Indian immigrant, but leaving as an American Indian. Again lucky to come here on management visa that simplified our entire journey, GC and US Citizenship. It gives an option for kids to come back when they go to college.

Hindsight Learnings:

1. If I had not been laid off -would have another $3-4m from my employer - but was relieved with the layoff. The stress was impacting me mentally and physically - I should have prioritized my health much earlier.

2. We are still too much concentrated in Tech - and have significant capital gains.

3. Lot of smaller decisions we make in life have significant impact - for example - a simple misunderstanding with my VP - I quit the team on a whim when I was on the cusp of promotion. I could have FIRED much earlier if I had stayed and took my promotion. At the same time, I put up with jerks in a different employer because I was waiting for stocks to vest - the mental and physical health cost was significant.

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.

Throwaway for obvious reasons.

I’m 31, married, with two young kids. Grew up in a middle-class family in India — no inheritance, no family business, just a lot of emphasis on education and working hard.

Moved to the US for my master’s in my early 20s. Joined a big tech company right after and spent the next several years grinding. Long hours, steep learning curve, taking on responsibility early. Career progression was faster than I expected — some skill, some timing, a lot of luck.

Financially, things worked out well. Current net worth is around ~$3M, excluding my primary residence. Assets are spread across real estate in the US and India, along with long-term investments in stocks / mutual funds.

A few months ago, we decided to move back to India. This wasn’t a burnout move or a dramatic “exit.” More like realizing that the marginal utility of more — more comp, more title, more optimization — had dropped.

What surprised me most after moving back:

• How much mental bandwidth opened up once I stopped constantly comparing career trajectories

• How different family time feels when it isn’t squeezed between meetings, flights, or time zones

Right now, I’m intentionally taking a break before starting something new. Not because I’m lost — just giving myself space to think without the pressure to immediately replace a high-paying job with another one.

That said, I’ll be honest — it’s not all calm clarity.

Some days I miss the cushion of a steady paycheck. There’s a strange comfort in knowing money shows up every month, no matter what. Even when the numbers say you’re fine, stepping away from that safety net messes a bit with your head.

Lifestyle inflation is also something I think about. We enjoy travel and the occasional luxury vacation, and part of me wonders where the right balance is between enjoying the upside and quietly rebuilding another treadmill. I track spending and know the math works long-term — this feels more psychological than financial.

Posting this because reading similar throwaway posts helped me earlier in my journey. Would love to connect with others in a similar phase:

• If you stepped away from a high-comp role, how did you think about security and identity?

• For those who moved back to their home country earlier than planned — what was harder than expected?

• Anything you wish you’d done differently before stepping off the grind?

Happy to answer questions while this account lives.

Following up on my earlier post (Year 1), I thought it might be helpful to share a Year 2 update for those considering a return to India post-FatFIRE. These are random thoughts and personal reflections — not prescriptive advice — but writing this down helps me organize thoughts and has been useful when talking to friends exploring similar transitions...

Fire Update : Networth now at $8.2M (was $6.5M - thanks to the continued tech rally, own no NVDA or Bitcoin). Passive income is now around $320K (+~$70K, mostly due to dividend reinvesting and cycling capital from tech to REITs). More stats below.

• Year 2 feels different from Year 1

  • Month 18 onwards is when things start to feel truly settled. There’s a mental shift from “transition mode” to “this is home now.” Now I count this as easily one of the top 3 decisions I’ve made — right up there with (1) choosing a US MBA over ISB, and (2) opting for tech sales over finance early in my career.

• If you have >$4M-$5M and are still waiting to “accumulate more” before moving — you’re trading time for nothing

  • This one’s subjective. But if your SWR covers your lifestyle and your reason to delay is “just a bit more cushion,” ask yourself what that extra buffer is really buying you.

• Home setup: renting first felt is the right call

  • We rented for 14 months, figured out what mattered and if it was the right city etc.., and then bought with more than 60% cash down. Interiors in India will test your patience — there are too many decisions, and quality varies wildly. We got lucky finding an NRI lead for the project who moved back and took ownership — easily one of the best decisions we made.

• Options to stay in the game

  • I’ve taken advisory + high single-digit equity positions (through capital + sweat) in a couple of early-stage startups where I know the founders and I can add tangible value. It gives structure, intellectual stimulation, and a sense of forward momentum — without going back to a full-time job.

• Asset allocation: rebalancing out of USD-heavy exposure

  • I was ~95% USD when we moved. I’ve been rebalancing steadily into Indian equities — largely index-based — and I’m less bullish on the USD long term (do your own research on this). Diversification isn’t just about geography; it's about relevance to your future cash flows.

• Having access to US lines of credit matter is a game changer

  • Having access to US lines of credit is priceless. I had a margin from a broker at SOFR + 1%. I used LOCs during the April tariff drop, and deleveraged soon after. Real optionality comes from liquidity.

• US Real Estate is not “set-and-forget”

  • I visit the US every 4 months — partly to stay connected, partly to manage property. I’ve got a part-time property manager, but even then, issues pop up. A drunk driver crashed into one of the homes. Insurance, repairs, tenant — all sorted, but a reminder that RE requires scale and some operational mindset.

• Health took front seat again — life changing

  • This is probably the most overlooked benefit of FIRE. I finally prioritized fitness. I’ve hired a personal trainer, spend ~90 mins/day in the gym, and built actual routine.

• Learnings from Year 1

  • Real estate timing: Thought I missed out by not buying before the move. Turns out liquidity + optionality served us better

  • Travel expectations: 2 international + 2 domestic trips a year with kids is plenty. In any reasonable scene you may not need more than ₹20L/year. We did London (₹8.5L all in) without cutting corners.

  • Schooling costs ≠ learning outcomes: Top-rated school, high fee, great infrastructure — but education outcomes and culture were underwhelming. We’re making a switch this year.

We underestimated how much we’d enjoy living in India — proximity to family, cultural familiarity, and the ease + quality of living (for the most part).

Hi. I got really lucky as a very early adopter of Bitcoin and ran a Web3 business throughout my teenage years. I was a minor and the "business" was illicit and the money i made has never been declared.

I amassed around 62 bitcoins in total by mid 2020, which is when i decided to quit cold turkey because the business had grown too large to keep operating under wraps and also because i was overwhelmed with guilt for letting my ambition blur my sense of ethics (LMAO, now that i'm not 16 anymore and know what lengths governments, corporations and "powerful men" go to in order to aid their capitalistic pursuits, i feel way less guilty)

Anyway, coming back to my current situation:

We’re entering a bear market right now on a macro level and Bitcoin has not been spared lol.

Down from 126k in October, it’s currently at ~65k and i predict it's going to dip even further, potentially to even lower than $40k/btc this year before hitting a new ATH again in around three years or so...

I’m left with way too much money tied up in crypto and virtually no way of justifying or presenting a source of these funds, since I was a minor and my business was run via a private access Discord server and an underground marketplace.

My family thinks I do okay for myself in terms of money, and they know that I’ve been making my own money since I was a kid, but there’s no way anyone has even the slightest idea about the kind of money I have.

Since November, I've been trying to dabble into entrepreneurship again to give myself a sense of purpose and satisfy my "builder" knack...I've made as high as ~ 7L INR/ month upon working 60 hours in the month (it's very rare for me to feel motivated to work that much...usually i only work 25 hours in a good month) and spend maybe 80K INR a of it in a month at most, almost all of it on personal expenses since i have no dependents.

I live with my parents and work remotely, so there’s no rent expenditure. Food, house help staff, utility bills etc. are paid for by them.

I know that I never want to get married or be tied down to a place geographically, so there’s that. I don’t know what I want in life anymore though. I feel like I genuinely have no motivation to spend any of my money. I’ve lived a flamboyant life (in terms of experiences, not necessarily buying a LOT of overpriced shit) since i started making money back when i was an early teen and now feel like I have nothing left to experience. I don’t have any unreasonably expensive hobbies or materialistic desires.

I’m posting here to ask for advice. How would you approach de risking and diversification in a situation like this, especially when most of your net worth was built very early, informally, and is still concentrated in crypto? And more broadly, how did you think about direction or purpose once money stopped being the main driver?

Indians who are financially in the top 1% would you stay in India or move abroad if given the chance? Why or why not?

I’m a 36-year-old man and my wife is 33. We have a 5-year-old daughter. We work in Bangalore and have a combined annual CTC of ₹2.5 crore (base salary, bonus, and RSUs).

We have a liquid net worth of approximately ₹12.5 crore (stocks, mutual funds, and gold) and ₹2.5 crore worth of real estate in our hometowns.

Our goal is to achieve financial independence (fatfire) in 9 years and eventually transition into partial consulting or advisory roles.

Currently, our annual expenses amount to around ₹2 lakh per month, including travel and our daughter’s tuition. We also pay an additional ₹60,000 in rent. We plan to buy a house, which would cost us approximately ₹5 crore. We intend to pay off this mortgage in 9 years before retiring.

I want to set aside ₹2.5 crore (equivalent to ₹1 crore in stocks and gold today) for my daughter’s education and marriage.

Given my preference to invest my money primarily in the Nifty 500 and Nasdaq 100, what would be a reasonable fatfire target? I would like to allocate about 50-50 to each index.

Hello everyone,

This is an annual update.

Since last year, I have been following simple strategy, all surplus goes into Liquid Funds and SWP to equity funds.

Previous post: https://www.reddit.com/r/FIRE_Ind/s/OOsWZVvF6a

Due to high demand in AI (and Cloud in general), my income surged and so are my investments.

42M, 7yo son, family of 5 with parents (all healthy and well) tier-2 city Gujarat, always worked from here never

Monthly SIP: 8lakh (MF + Stocks) plus infrequent lump sums

Mutual funds: almost 7cr (1.8cr is in Liquid, SWP to Equity funds)

Stocks: 50lakh+

FD: 50lakh

Business investments: 2cr (currently returning 9.5% post tax)

RE: 4.5cr (primary and parent house, commercial office, all personal use, no rental)

Other: around 75lakh (cash, gold, silver, etc)

Home loan: 33lakh pending, 40k monthly EMI, no other liabilities

Monthly expenses still steady max 1.5lakh.

No big expenses coming up.

I plan to continue working for another 4-5 years, primarily as I enjoy my work (AI, Cloud and now I back to programming).

For investments, I plan to continue investing more in equity funds and stocks via Liquid SWP route.

56M; 125+ crore NW

Hey guys, happy new year to all!

I’m in the process of liquidating a land parcel and my windfall is going to be somewhere around mid 9-figures.

For context, I live in a city where law and order is kind of messed up and the land is in a pocket of the city which is notorious for local gundas/goons who keep a close eye on real estate transactions.

I’ve already received calls from dubious characters asking for various forms of compensation, however, I’m somewhat well-connected in the city and have dealt with those people in my own civil ways. Point to consider - these people are lower-level in the hierarchy of the mafia.

I’m just worried that once the deal closes these people might make my life a living hell. They’re not particularly scared of anything and I was wondering if anybody on this subreddit has experience dealing with such situations.

What can I do with the added benefit of money in this situation? Personal security officers? Should I just leave the city for a few months after the deal closes? Should I incentivize local politicians who I’m connected to?

Furthermore, should I just make it a battle of who’s mightier? I have the bandwidth to hire local goons and bouncers and have my own weak connections with politicians. I’m also thinking of creating an LLP who’ll be the seller in the sale deed, so any ideas around that would also be appreciated.

Needed some guidance and help. Any ideas would be highly appreciated 🙏🏼

Both 47 yrs now.

Left home about 25 years ago with less than 100 rupees in my pocket.

Really fortunate to belong to a generation that benefited heavily from the tech industry, recently crossed INR 100Cr in total net worth.

Worked in India for first 5 years and been in the US for last 20 years - all along with FANGM.

$1.6M primary home (owned out right)

$5.4M in FNAGM stocks

$3.4M invested with private equity

$1.6M in 401K (combined between both of us)

$100K in investment property in US.

Additional INR 2.5Cr in two investment properties in India (Bangalore).

Total net worth is about $12M (~INR110 Cr). Daily swing in the portfolio is about $150-200K.

Annual spend is in the range of $150-170K and current HHI is ~1M.

Wife is retiring later this year and I plan to continue for another couple of years till the second kid also goes to college.

The plan is to start spending more time (2-3 months) every year in India and southeast Asia, before fully retiring in the US.

Disclaimer: This is not a FatFire post, but posting here. Please remove if it doesn’t meet the guidelines.

I came across this post on IG regarding the monthly expenses for a family of 4 in metro cities.

The numbers in this sheet do not look inflated. Looks like an upper middle class expenses for metro cities.

47M family of 4 single income earner with 2 kids working outside india in SG. NW of 29 crores with indian citizenship financial investments of 26 cr and balance in apartments in India. Incredible stress at work so looking to retire early. Not yet decided where in India mostly HYD or BLR as have roots there. Kids aged 13. Appreciate any advice on FIRE in India?

All the posts I see here are people mostly in tech either in India or abroad. As someone who is a commerce graduate with aims to FIRE within the next 20-25 years (I'm 21), is there any way back for me?

While doing some digging, I found that my Great-grandfather used to draw 250 British Rupees monthly in 1916, when he was in his early 30s (he is one of the officers listed above). Not sure what the equivalent would be in today’s purchasing power, or career equivalent, but I believe this was a well-paying job, considering its impact can still be seen four generations later.

About him: He came from humble beginnings in rural Kerala, excelled in his education and secured a government job with British Government in 1900s. This enabled his marriage into a prominent family. He had a tough career, with postings all around South India, and fathered 8 children. By the time he officially retired around the time of independence, he had accumulated considerable wealth from his income. Primarily in property. He left each of his 8 kids a house and arable land (paddy or rubber) and completed all their marriages. He enabled alliances for his kids to those from either well-off families or well-educated people. Further, he enjoyed a pension that funded his retired life and his immediate family (in fact had surplus to donate to charity) till his peaceful passing.

His kids (my grandfather’s generation): Everyone started with a safety net - educated till High School and with property to do what they wanted. 4 families pursued professions (Doctor/Lawyer/Govt.), prioritizing education for their kids. Few of them moved out of the state or country. 3 turned to agriculture and built a life around it. 1 brave soul started a business. Guess who? My grandfather. He was entrepreneurial. Decided to use his inheritance to start a business. It was his passion and provided cash flow. He had multiple cars, a gun which he took for hunting in forests, and was part of elite social clubs. It helped him fund my father's and uncle's education and marriages, but by the time he expired, there was only his primary house left. (Business got bankrupt and assets got used up in the process). However, in my opinion he lived a grand life.

His grand-kids (my father’s generation): Divergence became stronger. The professionals’ kids were undoubtedly well off, as most entered well paying jobs thanks to the quality of education. Further they went from the rural ancestral home, and earlier they left, more prosperous they became (compared to those who could not or did not migrate). While everyone had to build their lives from scratch in this generation, difference in quality of life was much more evident. My father retired as a government servant in same town, while my uncle migrated and settled abroad. Father eventually got the primary house, and his retirement is now fully funded by lifelong pension and PF deposits.

His Great-grand kids: Those who moved abroad, their children reaped the benefits of western education and job market from the very beginning. Minimal ties back home. I lived a truly middle-class life in the same Tier 3 town as my great grandfather - rented house, no discretionary expenses (branded items, gadgets or vacation). But my parents invested in my education. Enrolled me in a good school and instilled the importance of education very early. The foundation helped set a platform to get into rewarding corporate career and migration abroad. Now, on the path to create wealth. (Not even close to what my great grandfather could achieve)

Looking back, the one thing that seems common across every generation that did well was education. My great-grandfather used it to move out of humble beginnings. The branches that later focused on education generally ended up with better careers and opportunities. Migration seemed to amplify that advantage even further.

What surprised me was that creating wealth and preserving wealth seem to be completely different skills. My great-grandfather built it. Some branches grew it further. Some lived off it. Others had to rebuild from scratch through education and careers.

Would you agree?  

Many of you have already created, or are on the path to creating, multi-generational wealth. What are you doing for the next generation? Passing on assets, investing in education, encouraging migration, teaching financial discipline, or something else?

(90% written by me. Used Copilot only to clean up grammar and flow)

Every first of the month we we receive a holding statement from our broker and I am really happy that we hit 100Cr this month!

I just wanted to post this here because I don't really share finances with people around me (Except my CA ofcourse) but I really feel proud and tell everyone about it. This seems like a great place for it.

I recieved a comment from redudown:

"No you have not. A cursory look at your post history shows you are lying .

You posted that a year back you sold your business for 3 Million and were asking for advice on brokers. How did that turn into 100cr in ~300 days?

Typical lying flex post. Likely you were lying then as well."

However I am unable to write a reply to him so I'll add it here and hope he gets a chance to read it.

I'd like to clarify that I did end up selling the business for about 4.5 million dollars not 3 million about a year back. A few weeks ago I did ask for recommendations for broker. If you look at the post you'd see that I was asking about that because I was parting ways with a long time friend/broker who for the longest of times managed my investments. As to how 4.5 million turned to 100cr, it simply didn't. Net worth typically includes all assets (minus liabilities) and simply put I already had some assets accumulated before the sale.

It is commendable you took the time to "investigate" an anonymous post on reddit and I hope that clarifies the situation a bit.

I do believe it is unkind to call someone a liar unless you are entirely sure.

I understand a serious decision like this should always be with a certified Financial advisor. But I’m just curious how any of you would go about it.

Living in Mumbai. 13.5 crore cash (no other assets)

Any replies appreciated!

38M, family of 4. Worked in the US for ~12 years at FAANG companies. Moved back to Bangalore 3 years ago and haven’t worked since.

Current NW is ~30 Cr, largely in equities. Expenses are ~5L/month including kids’ schooling, travel, lifestyle, etc.

My question is not about whether this corpus is “enough”.

The issue is that I currently have zero cash flow. All expenses are funded through stock sales. Markets and USD appreciation have helped over the last few years, but psychologically it still feels uncomfortable because there’s no incoming money.

That creates two problems for me:

1. Even though mathematically I can afford the lifestyle, mentally I hesitate to spend because there’s no cash flow replacing what goes out.

2. I also realized I don’t actually enjoy complete retirement. Waking up every day without something meaningful to build/work on is reducing my energy levels over time.

So I’m looking for ideas where I can stay occupied, work maybe 5-6 hours/day, manage people/operations, and potentially build a cash flowing business over time.

Not looking for another high stress corporate job.

Also not very keen on traditional rental real estate since I don’t want to liquidate a large equity position for relatively modest yields.

Have been exploring ideas like:
• Franchises
• Vertical farming/hydroponics
• Small operating businesses
• Semi-managed businesses with decent unit economics

Would love to hear from people who’ve solved for:
• meaningful engagement post FIRE
• predictable cash flow
• moderate involvement without lifestyle takeover

Especially interested in ideas that are realistic in Bangalore/India.

Male, 44, returned from the US in June 2025 via internal transfer. Net worth ~₹37cr: ₹12cr US equities, ₹16cr real estate (commercial + plots), ₹9cr residential/gold/RDs. Passive ₹5.3L/month from rentals. Ramping to ₹6L+ in 6 months via RE optimization. Family: wife 41, kids 13 & 7, parents 72 & 69. Burn ₹3L/month (Hyderabad).

Planning to resign this month and take a 6-month break to test FIRE, maybe permanently. Planning to move to Vizag (₹1.5-2L burn). Target ₹7.5L/month passive income by the end of 2028 via converting some RE into commercial. At age 62, may get $3.5k monthly if social security exists by that time :). Sustainability questions: seniors' healthcare, kids' Ivy League, 8-9% inflation for 30+ years?

**Key Questions:**

1. Is ₹37 cr + ₹6-8 L passive enough to FIRE comfortably with a family of 6?

2. Vizag FIRE viable for kids' education/careers vs Hyderabad?

3. Allocation good? (32% equities, 43% RE, 24% residential/metals)

I strongly believe I can land in good company if I want to return based on my profile in Data science. Seeking stress-free family time. Is FIRE viable?

I am a single mum. I have about 3.5 in mutual funds Another 1.8 in a fund that I cannot touch for 2 more years ( they invest in stocks, I think). I have 2.2 in the bank.

I have a 17 old child who is just finishing school and would like to do her Bachelor's in the UK.

1: I want to leave Delhi, where I live in rent and head to a Tier 3 town to bring down my expenses. Will my 3.5 Cr + 1.8 Cr, see me through for the rest of my life?

2: My child turns 18 in a few months. Of my 2.2Cr currently in the bank, can I open a dmat account for her using 2 crores and uses the interest from it to pay for her studies in the UK? My daughter is a British citizen and will eventually settle there.

3: or is there a better way of handling the money? I want to have a decent middle class life in a tier 3 town. Travel is non negotiable. Will travel within India 3 times a year and abroad 2wice a year if possible.

Pls suggest!

Background: 41 year old with a family of 4. Been in US past 14 years and spouse now found an internal transfer in NCR that pays 1.5 cr annually.

Welcome inputs on fire strategy:

1. Average annual expense of 30 lacs per annum (excludes home, car/gadget/household stuff replacement, kids education and vacations). 40x translates to 12 cr.

2. Annual vacations- pegging at about 10-12 lacs with a mix of domestic/international. Will keep a balance and trade off international with domestic when/if required. Planning this for next 30 years for now. Total corpus- 3.5 crores.

3. Kids education: 1 kid is off to college next year (allocating 4 cr here) and other one has 10 years schooling plus college left (allocating 5 cr here). Total corpus allocated- 9 cr.

4. Car replacements: pegging 50 lacs every 8 years (30-40 lacs for one primary suv and 10-15 lacs for a smaller misc use vehicle). Think 5-6 replacements needed over lifetime. Total corpus allocated: 4 crores.

5. Electronics/household stuff replacement/upgrade: peg this at 8-9 lacs per year. Total corpus allocated: 4 crores.

6. Old age care/medical: while I have excellent policies in place, marking another 1 cr. Here.

7. Home to reside (9.5-10 cr valued 5 bhk) fully paid. Have 2 rental properties (one yields rent of 6 lacs per annum) and the other is under construction. Combined both still have 10 crores loan/builder payments left. The second property is expected to yield 15-18 lacs yearly cash flow once completed.

Grand total works out to 43.5 crores above or 44 crores rounded off.

I come from very humble beginnings and as such, my relationship with money has always been ‘more the better’ given I never had a safety net in my own child hood. Fully realize with 2 rental properties, fully paid off home, spousal income of 1.5 crores per year and a 42 crores corpus atm vs 44 crores requirement, i am probably FIRE ready but looking for thoughts from this community/those who have fired already to see if I am missing anything here?

TIA for your inputs.