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Rising Star
Hi fishes,
Need your opinion.
Working for Wipro as azure data engineer in Spark, Hive, Azure ADF, ADB etc.
Current CTC: 17.5 LPA
Total YOE: 11 years
Relevant exp in big data: 6 yrs
Relevant exp in Azure: 2+ yrs
Got offer from Atos of 26.4 LPA. Is this a good offer? or Shall I search other job at 30+ LPA?
Getting calls from some product companies like JPMorgan Chase Chubb. How much can I expect from these product companies?
Wipro Infosys Tata Consultancy IBM Capgemini Cognizant Accenture India
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What will it take to retire the FAANG acronym? 🤔
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Pro
Out of touch post #437 for the day
but actually though
401(k) and ESPP *is* saving.
gotta love these humble brags 🙄😒
Rising Star
What the F do people spend money on blasting 8k per month? Spare me the ‘living is expensive’, I live in HCOL
Rising Star
Yes even with those, 8k should be plenty.
What more do you need to save lol, the answer is simple… don’t max out your ESPP 🙄. And yes, 8000 net is more than enough to shell out additional savings. Say your rent is like half of that at 4K… what are you spending the other 4 on.
I don't know what I'm doin wrong then....different priorities
To give you some perspective, like 90% of the US lives on less than your after savings. Start with a spreadsheet of what you spend I'm a month and see if you'd like to continue with it or if you think it's more valuable to save more.
Have you tried having a certain % of your paycheck automatically deposited into a separate savings account? I've had to do this because once it's in my main account, I tend to spend it. When you set it up like this, you get used to the lower amount after a short time and you no longer miss it. Out of sight, out of mind.
If I can save on 1/3 of that, then you can too. You might just have to make some lifestyle adjustments
Most ESPP allows you to save 15% of your gross paycheck taken out net, so it’s basically like saving 25% of your paycheck. That’s already a substantial amount of savings just from ESPP.
Apple limit is 10%, so that's only like 18k a year, with stock discount and appreciation, maybe 25k (before tax tho)
OP is asking if you can save. I think this is an honest question. If you live in a HCOL, have a home, have medical expenses, kids things add up. I make about this much but had a rough year with medical expenses and unexpected home expenses due to a storm and it made me realize I need to make a lot more to be safe in case of emergencies
Realize that OPs base of $180K only represents a fraction of his TC. With $180K base, bonus is likely 15-20% and RSUs likely another $50-100K+ per year.