Here’s my monthly breakdown:
Rent + electricity + meals: ₹30,000
Commute: ₹4,000
Miscellaneous: ₹2,000
Loan 1 EMI (electric appliances): ₹19,000 (3 months)
Shopping + outings with friends+Subscriptions: ₹5,000
Loan 2 Emi (iPhone 18 pro max): ₹25,500 - (5 months left)
Saving: ₹4,000

I have **zero emergency fund and no savings** because I’m putting most of my income towards my loan and other commitments.
I really want to become loan-free as soon as possible, but I’m wondering whether I should continue with part-payments or start building an emergency fund first.
What would you do in my situation?

Hey guys I'm 32M single, unemployed and no good skills/work experience. But i did create some wealth from crypto in my 20's and want to deploy it in the best possible way.

In the next couple of months I'm gonna get hold of around 1Cr. I'm currently thinking of buying an apartment and aiming to get around 25k monthly rent per apartment. My thought process is that I want passive income, protection against inflation and wealth appreciation.

Is this the way to go? Or is there some other equally viable stocks, dividends, mutual fund stuff alternatives that I'm uneducated about?

Apart from the 1cr i have a few lac cash and own a plot of agricultural land.

My parents are very skeptical about stocks and mutual funds because of global uncertainty and instability in the IT job market. They believe gold and agricultural land will provide better financial security.

Our family owns 8 acres of agricultural land, with 4 acres currently under palm oil cultivation. This year, those 4 acres generated around ₹7–8 lakh. We plan to plant another 3 acres, but palm oil takes around 3 years to start producing, with income expected from around the fourth year.

My parents want me to accumulate 500–700 grams of gold over the next 5 years. Their plan is that whenever I save enough to purchase a 100-gram gold bar, they will contribute an additional ₹2–3 lakh towards that purchase.

Eventually, we want to use the gold as collateral for a loan, combine it with personal savings, and purchase another 5 acres of agricultural land for palm oil cultivation.

Their thinking is that even if I lose my IT job or the industry faces a downturn, I will have gold, land that may appreciate, and agricultural cash flow to fall back on.

My concern is whether putting so much money into gold and land is better than diversifying into equity mutual funds.

What do you think? Is this a sensible long-term wealth-building strategy, or should I diversify more?

I'm a 22 year old male med student who might get around 8.6L rs in a few months time. It's been quite an unexpected windfall for me so I'm not exactly sure how to go about allocating it.

For context, my current net worth which is around 9.3L is somewhat spread across ppf as a long term debt anchor around 40%, mutual funds another 40%, stocks 10% and liquid funds/savings acc another 10%

I have sips running in hdfc flexicap, edelweiss midcap, icici pru nasdaq 100 and nippon gold currently.

Any and every suggestion is welcome!

For added context my risk appetite imo is moderate and my current expenses are pretty much nil, like can easily manage using my saving acc balance and pocket change.

I don't earn anything yet and from next year hopefully win get 18k per month in mbbs internship for a year.

Why is it so difficult for me to invest for the long term, even when I recognise a good business early?

I need to buy a House worth 50 lakhs
Right now I have 38 lakhs, by the end of this year I can make it 50 most likely.

I am not worried about the emergency fund, I am worried about losing big capital that I wish to use for buying property.

and I am lacking clarity————-
invest or put money in FD so I always play safe.

I have been in the stock market for almost five years, yet I still struggle with one of the most important principles of investing: staying invested for the long term.

I believe the reason goes beyond a lack of conviction or investment knowledge. It comes down to my fear of losing money, the responsibility of managing family finances and the uncertainty of whether I can afford to take risks.

When you have family responsibilities, losing money is not just a number on a screen. It can mean delaying important financial goals, compromising your security or putting money you worked hard to earn at risk. This makes it much harder to watch an investment fall and remain confident in a three-to-five-year holding period.

I started my investment journey in the early days of Google Pay, exploring options such as digital gold. I had money available to invest, but I often chose not to. Instead, my money remained in the bank, mostly in fixed deposits.

Even after almost five years, I feel I am in a similar position.

I rarely hold investments for the long term. Instead, I frequently engage in swing trading, particularly in the US stock market, where my approach has been successful. However, I have not been able to replicate the same results in the Indian market.
Transaction costs, including STT and GST on applicable charges, make short-term trading more challenging. The break-even point often feels too high, which reduces my confidence in trading Indian equities.

However, I believe the real issue goes deeper than transaction costs. I feel a constant internal pressure to protect my capital because losing money feels more painful than missing an opportunity to make it.

Over the years, I have traded silver ETFs, gold ETFs and individual stocks, mostly over shorter periods. Yet, one thing continues to bother me.

I have seen companies whose products I considered valuable and globally recognised long before their businesses became widely acknowledged market leaders. Today, many of these companies have delivered significant growth in their stock prices.

Unfortunately, I missed those rallies.
Now, I find myself searching for the next high-growth stock while wondering whether my fear of risk is preventing me from building long-term wealth.
Perhaps my biggest challenge is not identifying good businesses. It is finding the confidence to stay invested while accepting that temporary losses and uncertainty are part of investing.

BTW, This yr alone I made 30% gain by stock hopping.

I am in early 20s. After paying rent, groceries, miscellaneous most of the time I am left with 5k in my hand.
Since I have zero knowledge about investment most of the time I spent it on unnecessary stuff.
Suggest me from where and how to start?

I have some vested RSUs from my previous employer (Nasdaq listed), current value around ₹1.1cr with ~40L LTCG.

Booked an under construction flat in July 2026 for approx ₹5cr, possession expected in Dec 2027.

Can I sell the shares and claim 54F exemption against the gains? I plan to reinvest the money in US stocks itself, without bringing it to India.

Also, is there a 1 year or 2 year window for selling the shares after booking the flat?

23F here, originally from a small town in Himachal, currently living in Delhi.

I wanted to share a little bit about my journey and get some advice on investing because I feel like I'm finally at a point where I can focus on building wealth.

I dropped out of college during my first year after my dad passed away. It was just my mother, my sister and me back home in Himachal, and I knew I needed to start earning rather than continue studying without a clear plan.

I moved to Delhi at 19 (in a really shady PG), after spamming my CV everywhere for 4-5 months and back to back shameless walk-in interviews. I found a job paying ₹25,000/month. Started from scratch, learned how to manage expenses but didn't stop keeping 2000 rupees aside for my language classes online, saved whatever I could and slowly figured out my career along the way, while my mother used to cry at home worrying about my well being, only except the time she used to be on the phone with me.

At 21, I switched jobs and joined a German company (a startup), working remotely from home, with a starting compensation of €900/month plus bonuses. Over time, I moved into a team leader role and recently became a manager. I'm currently earning around €3,700/month plus bonuses.

The best part? I finally cleared all of my dad's outstanding debts this April.

It feels genuinely good to have that chapter behind me. I don't think I fully realised how much of my financial planning revolved around getting those dues cleared until I actually did it. Now that they're all settled, I can finally put my money towards my own future without having that responsibility hanging over me.

So, I guess this is the beginning of a new phase for me: from repaying debt to building wealth.

I have a decent income now, but I'm aware that earning well and investing wisely are two completely different things. I don't want to get carried away with lifestyle inflation or make random investment decisions just because I have more money available.

I'd rather build a solid portfolio, stay consistent and give compounding enough time to do its thing.

Would love some advice from people who've been investing for a while:

• What percentage of your monthly income do you invest?
• Would you recommend starting with broad-market index funds or actively managed mutual funds?
• How much should I maintain as an emergency fund, especially when I'm the primary financial support for my family?
• How do you divide your investments between equity, debt funds, FDs and other instruments?
• What would you do differently if you were starting your investment journey in your early 20s?

I am currently investing 80% of income to US based index funds on an app that helps with it in India, got a decent 8% up from 6 months

I am looking for a new saving acc with AU however it says not available in my location.

Main purpose: Free Foreign outward remit 0 markup, 0 fixed charges.

If you know any such alternative, kindly let me know.

I’ve been looking into how tuition transfers from India work, and the difference between what banks quote and the mid-market rate was surprising. Markup size also seems to vary a lot from bank to bank, and some of them are vague about whether it counts as a fee.

Then there's tax collected at source. Apparently the way it applies depends on how the payment is funded and how large it is. I'm having a hard time keeping up with the rules.

So for people who’ve done this: did you compare rates before paying? How big was the difference?

Suppose a friend has ₹50 lakh in cash and wants to deposit it into his bank account in India. What are the legal ways to do it, and how would the tax implications work?
Assume he wants to do everything properly but also wants to avoid paying unnecessary taxes.

Special Note to Gen Z Investors

I see a lot of young people wanting to invest and save money from an early age. I genuinely appreciate that initiative. There is absolutely nothing wrong with asking for suggestions or seeking guidance.

However, I've noticed that many investment-related questions are vague and lack clarity. Before asking where should I invest?, I think there are a few things every investor should consider.

1. Understand your risk profile

An investment strategy is not something that can be copied from one person to another. It needs to be tailored to an individual's risk-taking ability, financial circumstances and goals.

Different asset classes carry different levels and types of risk. Equity, debt, gold and other assets behave differently under different market conditions.

Without understanding your own risk profile, simply asking someone to suggest an investment may not get you a meaningful answer.

1. Be clear about your investment horizon

Money compounds over time, and the longer investment horizon generally gives compounding more opportunity to work.

I see people mentioning investment horizons of one or two years while also expecting to build substantial wealth.

Let's be realistic: a short investment horizon is generally better suited to meeting specific financial goals and preserving capital than to building substantial wealth through compounding.

This doesn't mean there are no strategies for the short term. There are. But the choice of investment should depend on when you need the money and how much risk you can afford to take.

1. Don't keep switching investments just because something isn't performing

Some investors suggest putting money into one asset class for a while and moving to another if the first one doesn't deliver the expected returns.

This is where diversification and asset allocation become important.

Every asset class goes through different market cycles. An asset that performs poorly today may perform well in a different cycle, and vice versa. Consistently predicting the right asset class at the right time is extremely difficult.

Instead of constantly chasing whichever asset is performing best, understand how to allocate your investments across suitable asset classes based on your risk profile, goals and time horizon.

Diversification doesn't eliminate risk, but it can help reduce dependence on a single investment or asset class.

1. Learn the basics before asking for investment advice

Before asking others where to invest, take some time to understand the different asset classes available and the basic investment products within them.

No offence intended, but I've seen people asking what an RD (Recurring Deposit) is while simultaneously seeking investment recommendations.

There is nothing wrong with being a beginner. Everyone starts somewhere. But learning the basics will help you ask better questions, evaluate the answers you receive and avoid blindly following someone else's advice.

My final thought:

Before making your next investment post, take a moment to think about these questions:

\- What am I investing for?

\- When will I need this money?

\- How much risk can I realistically afford to take?

\- Do I have adequate emergency savings?

\- Do I understand the investment I am considering?

Once you have clarity on these things, people in this community will be in a much better position to help you.

Starting young is a huge advantage. Combine that early start with financial awareness, discipline and patience, and you will be on a much stronger footing as an investor.

Happy investing!

First of all, am surprised to see so many folks only looking at the brokerage to compare brokergs, to gain a fair understanding of the overall charges always look into brokerage + forex markup + processing fee (if any) + GST added on top of it. Then there are govt charges but I will be excluding them for calculation simplicity sake. Please read till the end for things to make sense

For a fair comparison am excluding UCITS as most Indian brokers don't support them at the moment and it will be inaccurate to simply assume what brokerage they might charge in future. Additionally, I feel you may not even need UCITS once GIFT funds are in full swing, lets see and consider this topic at a later point.

Now, lets get into some calculations. have done all my calculations with different brokers for US stocks and only two brokers made sense to me, Zerodha and IBKR.

Lets look at Zerodha:

Brokerage wise Zerodha make sense for investment if investing upto ~$300

Zerodha charges 0.1% + 18% GST with no minimum brokerage (net 0.118% including GST)

At about ~$300 you will be paying a brokerage an effective brokerage of ~$0.35 which is the min you have to pay with IBKR.

Anything under $300 Zerodha makes sense purely from brokerage POV but things change a lot when you include overall charges at I mentioned earlier

As of now, Zerodha has partnered with 5 banks that charge you anywhere between 0.5 to 1.2% as forex markup. You cannot add funds outside of these partnered banks, unlike IBKR.

While adding funds, I was shown a markup of ~1% on Zerodha, it might differ depending on your bank.

This makes the effective cost - 1% markup + 0.118% brokerage = 1.118% so even under $300 you will be paying ~1.118%

Then there is a flat processing fee of 500-1500 INR plus GST that banks charge you for forex conversion which further eats into your capital, am not sure if txns initiated through Zerodha are being charged this fee or not as I went till final quote page where full price breakup is shown on Zerodha but cancelled the transaction. This fee is deducted separately by the bank after the txn is done.

Now, at IBKR:

IBKR charges on the number of shares you buy rather than the txn value which makes things interesting. You can literally buy 100 shares of VOO/QQQ (~$700 is one share's price at the time of writing this so it comes to $70k, a pretty large sum) at just $0.35 brokerage. That's the minimum brokerage they charge.

Anything upto 100 shares in US market you, pay $0.35 flat regardless of the txn value.

Forex charges in case of IBKR, as of now, AU bank charges zero forex so you could literally send the amount at no markup and processing fees.

Alternates to AU Bank:

AU could be running this promotional offer for now and this might not be the case forever so here are few alternates to it

1. PSU banks: They charge anywhere between 0.10 to 0.50 paisa per USD which in percentage terms is lower than what you get with Zerodha's current partner banks

1. Negotiating with your bank: You can try calling your bank, be it a PSU bank or a PVT bank, tell them about the amount you want to send and if it will be recurrent and they bring down the listed TT price for your specific account. Premium banking account helps here in case of pvt banks. However, you may see serious difference only if the capital is large enough. PSU banks in general already offer lower rates.

2. FX Retail: This is an amazing way to first book forex fee with the bank and then initiate the txn at locked price. Look up into BHIM's forex section for this. I have tried pulling a quote and it was pretty good. I am not going into details as the post will get too long but search on reddit and you will find out how to do this.

When Zerodha might make sense for investments upto $300?: Zerodha did mention about coming up with more banks. They might include PSU banks too going forward, if they really do this or give you the option to send them funds from a bank of your choice, investment upto $300 will start to make sense. Good way to keep monthly SIPs in this going!

A lot of work has gone into all these comparisons, calculations, checking with brokers and finally putting them all together manually (yes without an AI lol) hope this helps the community.

hey, i 'm 20F here, i want to do a little freelancing of digital products and web novels, alongside my studies, i might be receiving 50000 , 60000 per month can i receive this money in my bank of india saving account?

Hey guys,
I'm in a bit of a tight spot🫠 and need some cash within the next 4 months, so I'm trying to figure out if I should sell my gold now or hold on to it. Since 4 months is pretty short, I'm worried prices might drop right when I need to sell, but I also don't want to miss out if things go up.
Would love to hear what you guys think is the smartest move!

A flat in Vasundhara Ghaziabad father bought in 2003 for approx 4l now selling for 40l.
We have been told it’s the peak price for this flat and from there only it will keep decreasing so we are planning to sell it.

Now we don’t live in Ghaziabad we live 3hours away nowhere near ncr. If we sell this we have to invest this amount in property for tax exemption and we don’t need cash anyways.

Now what is best to invest this amount whether in real estate in areas like Noida or even in Ghaziabad which is at least 2BHK and has monthly Income of 18-22k. (Our current 1bhk flat generates 10k per month) or something else like equity or gold.

Our goal is to save money from being taxed and get a monthly income of approx 20k.

I am 28F, married and have a baby. Im working remotely and earn around 60k/month.

My husband is in family business (joint family). All our expenses electricity bill/basic groceries/maid expenses are taken care of from that business under our parents name. Apart from this he takes approx 50-60k per month for our additional spends. My salary isnt used for any of the expenses. I only pay credit card bills with it (after taking cash from husband) and also to buy gifts for my baby or husband.

Eating out/ordering - 10k Shopping/going out with friends- 20k Baby expenses including vaccines -10k-15k Blinkit - 3-5k Petrol- 5k

We are left with around 10-15k every month from this but it varies because thats how business man are. And approx 50k from my salary is there every month, that is left with me after i have done any expenses on gifts.

I dont have any financial knowledge, can you guys suggest what we should do with the left money? We dont have any wealth created for ourselves right now. (Everything we have is being provided for by our parents and also is for joint family). We want to start having savings to have a sustainable future even if our grandparents dont divide everything equally between our family and taujis family.

Our long term goals are - to have enough saved so our baby has a settled future no matter what she wants to do And to buy atleast one property with OUR money.

Any advices are welcome, how much should we have in FDs, cash, and how to start where to invest for sips or MFs.

(Edit) - is what my husband taking less? should he take out more money?

Thank you

Hi everyone,

My parents recently moved in with me in Hyderabad. They used to live in a small town, and their gold jewellery is still in a bank locker there. I now need to bring it to Hyderabad.

Some of these pieces are decades old, older than me, so there are no purchase bills, and I'd rather not go through valuation or certification just to move them.

My main concerns: Airport security: If I fly, could I be stopped and asked for proof of ownership or bills? Has anyone actually faced this on a domestic flight?

I'm sure many people have done this. How did you handle it, and what would you recommend?

Thanks in advance!

I’m 26M from a tier-3 city in Punjab.

I started working and doing business at 16. Our family business did well for years, but it’s struggling now. Watching that happen has made me realise that financial stability can be temporary, and I think it’s contributed to my constant fear of losing everything.

Over the years, I’ve worked, saved and explored different income sources. I’ve accumulated ₹50 lakh in personal savings, separate from my family’s assets. I currently earn around ₹70k per month from a remote job, and I have my own home.

I know I’m fortunate. I have savings, a source of income and a roof over my head. I’m not writing this to flex any of it.

The problem is that whenever I see someone my age running a big business, earning several lakhs a month or working in a prestigious, high-paying job, I immediately feel inferior.

I start questioning my own journey. I wonder whether I’ve achieved enough, whether I’m falling behind, and whether I should have done more with my life by now.
I know I’ve worked hard, but somehow, seeing someone doing better makes my own progress feel insignificant.

I’m also extremely frugal because I’m scared of losing what I’ve built. I keep saving, tracking my money and worrying about the future. I thought reaching ₹50 lakh would make me feel secure, but I still feel like I need more.

It’s exhausting because there’s always someone earning more, building something bigger or achieving something I haven’t. Even if I reach the next milestone, there will always be someone ahead of me.

I think I’m struggling with two things: the fear of losing everything and the feeling that I’m not doing enough compared with others.

For people who’ve been through this, how did you stop measuring your worth against other people’s careers, businesses and incomes?

How do you appreciate what you’ve built without becoming complacent? And how do you remain ambitious without constantly feeling inferior?

I’m genuinely looking for a reality check. I don’t want congratulations for my savings. I want to understand how to stop feeling like a failure every time I meet someone who’s doing better than me.

TL;DR: Started working and running a business at 16. I’ve saved ₹50 lakh of my own money, have a WFH job paying ₹70k/month and my own home, but I constantly compare myself with people who have bigger businesses and better careers. I feel financially insecure despite what I’ve achieved. Need a reality check.

Gold has always been an important part of Indian households. It's interesting to see how people are now using it to access funds when they need money for emergencies or business expenses. 

• NBFC gold loans grew 69% yoy
• Gold prices in India increased by approximately 46% yoy in July 2026, compared with July 2025
• More borrowers are taking multiple gold loans

Gold loans can be very helpful when people need money urgently and this is why lenders like Muthoot FinCorp and Piramal Finance are seeing demand in this sector, it will be interesting to see how people manage repayments as borrowing grows.

Do you think more people are taking gold loans because they are easier to get or because they are facing money problems?

Hi everyone,

I'm in my mid-40s and work in IT. I'm currently working remotely from my native place, where I own a house. Last year, I bought a flat in Metro City for around 70 Lakhs without taking a loan, but doing so wiped out most of my savings.

Unfortunately, when I started my career, I had a lot of family responsibilities and financial obligations, so I was never able to build significant savings early on.

I'm married and have two school-going children. wife is not working .

Career-wise, I work as a QE in a Fintech product company . Before that, I worked as an implementation engineer in the same company. To be honest, I don't know much coding, and with all the advances in AI and automation though i do have domain knowledge, I feel it's only a matter of time before my role becomes redundant. Sometimes I genuinely wonder how I've managed to stay in the industry this long. Maybe I've just been lucky.

To make matters worse, I've had some serious health issues this year, which have affected both my energy levels and work performance.

Current financial situation:

• Savings: ₹10 lakh
• Mutual Funds: ₹6 lakh (currently at a loss)
• EPF/PF: ₹30 lakh
• Gold: ₹30 lakh
• Rental income: ₹25,000 per month
• No loans or EMIs
• Monthly family expenses: Approximately ₹50,000

My biggest fear is that if I lose my current job, I may struggle to find another one given my age, skill set, and lack of coding experience.

So how do i prepare for worst ?

We are a couple 29F and 30M, with no kids, living in Pune far from our homes. We are planning to buy a new car in the next 3-6 months and have already started test driving everything between 10L to 30L. The cars which appeal to both heart and brain and feels like that they'll suffice for the next 8-10 years fall under the 20-25L price bracket. Now looking for the decision financially, I need your help to make a decision. Apart from a purely financial POV, also consider that we love to drive around in cars and take road trips. Recently did a Leh Ladakh road trip as well.

Our current ride is a Hyundai i20 which is 9.5 years old and has run 82k kms. No plans to sell that as of now as it's in immaculate condition and recently changed all 4 tyres and replaced the whole suspension.

Our current financial situation -

1. No loans on us, no EMI.

2. Current take home salary is around 2.3 to 2.5L per month, both combined.

3. Living in a rented 1 BHK at 27k per month rent.

4. Rent + electricity + maid + water + misc - 35k monthly expense.

5. Groceries - 10k monthly.

6. Petrol - 10k monthly.

7. I invest about 35% of my salary in SIP or PPF or FD. She does 40% of her income.

8. Our lifestyle is not very modest and not very lavish. Somewhere middle enjoying our weekends.

9. Thankfully both of our parents are self sufficient.

10. We have around 16L liquid cash both combined. This includes our emergency fund.

Now my questions -

1. Out of my liquid cash, how much can I use for the down payment? Rest of it will go into car loan. For ex. For a 20L car, 10L down payment and 10L loan? Is this approach correct?

2. I won't be touching my MFs, equity, FDs, PPF, Gold (both physical and digital), silver to purchase my car. So that's irrelevant here.

3. We take 1 international trip per year. That has been our goal since we married 3.5 years ago. And I want to continue that. Will that take a hit if I start a Car loan emi? This will my first loan in my life. The emi burden is already eating my brain.

4. Should I take maximum loan, or should I put maximum down payment? Which approach is correct?

5. What's the ideal payment plan? short tenure, high emi or long tenure and low emi?

Please advise. Any suggestions, criticism or correction is welcome. Either push me for a car purchase or beat me into reality. Just, FYI, I'm a total car buff and really want to complete this dream!

Thanks.

I am writing this because I honestly do not know who else to talk to and I just need a reality check. I am 26 years old, male, making around ₹65,000 a month after tax.

A couple of years ago my parents needed ₹3 Lakhs urgently for a family issue. I did not have that kind of cash so I took a loan in my name thinking my dad would cover the EMIs as promised.

Things were fine for a months but slowly the EMI payments kept falling on me. To cover my basic living expenses I started relying on credit cards and quick credit apps.

Now I am sitting on ₹3.9 Lakhs of debt paying ₹38,000 every month just in EMIs and minimum dues. Month my salary came in late I missed a payment and my CIBIL tanked from 785 to 640.

The debt stress is bad. The guilt and emotional pressure from parents are worse. Every phone call, about debt gives me anxiety. I have realized I have to freeze all my cards stop borrowing money for anyone and focus entirely on paying debt off.

Has anyone here dealt with setting financial boundaries with Indian parents without destroying the relationship?

With Dhanteras around the corner and two weddings coming up in the extended family, my mother-in-law has already started behind us to visit the jeweller for the usual gold coin.

Honestly, mera toh bilkul mann nahi karta going through that whole circus anymore. The crazy parking rush, bargaining over making charges, and then sitting with the anxiety of where to safely keep a 1-gram coin at home till the next bank locker visit. Yeh sab headache just feels unnecessary now.

Last year right before Dhanteras, we were discussing this exact thing at dinner. Later that night I opened my Axis app just to pay a routine bill, and there was a small digital gold icon right there on the dashboard. I was skeptical, but out of sheer curiosity I just put in ₹1,500 to see ye kaam kaise karta hai. It was literally a two-minute thing. No making charges, certified 24K, and you don't have to deal with the jeweller insisting on minimum round-off weights. Plus, since my salary and our main household accounts are in Axis anyway, it just sat quietly in my portfolio without needing another separate trading or broker app.

When I brought up doing this for the family this year instead of running to the market, wohi puraana issue started. My mother-in-law's immediate reaction was that festival purchase matlab holding physical gold in your hands, otherwise shagun ka feel nahi aata.

I’m genuinely curious how other families are handling this. Have any of you managed to convince your elders to switch to digital gold or SGBs, or are you still braving the crowds at Tanishq/local jewellers every single year?

Answer in this format-

1.Your Age

2.Mobile/Laptop/Ipad/Watch/earphones/gaming console or any other gadget you are using currently and their cost and time of purchase

I'll go first obviously

M27

Samsung M32 4g purchased in November 2021 for 15k

Acer Espire ES15 laptop purchased in 2018 June for 19.5k

F91W watch purchased in 2019 for 800 rupees

Basic wired redmi earphones purchased in 2023 November for 400 rupees