Hi sharks,

Need a genuine advice.

27 M here from middle class background

I am feeling like I am too much addicted to investments for future.
In covid time, due to work from home I manage to invest more than 50% of salary. Other were given to parents and some liabilities.

The problem is that I am not spending money to enjoy present and though I know this investment addiction is still not going away. Due to which again I get frustrated.

Please suggest how to tackle the issue.

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Try to structure your in hand into different brackets.
Like you can keep a set portion of your income for investment, giving to parents and any other expenditure you see on regular basis.
And then simultaneously set up a small portion for things you aspire to buy or for your travelling expenditures. Even though you won't be travelling on monthly basis, but say you take a vacation after 6 months, you can use those funds to use during that time and also plan a vacation with the funds you have accumulated, this way you won't go overboard as to spend a huge amount of money as well.
Travel is just an example, if you like to shop a lot, you could set aside a percent for that too.
I think it's good that you are investing very heavily but it's important to note that you need to reward yourself to keep up the motivation, otherwise if all you do is work and invest and not reward yourself, you will quickly burn out. Remember this is not a sprint, but a marathon, you have atleast 25+ years of career ahead of ya.

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I am also in the same boat..thinking too much about future and retirement that i forget to enjoy the present.

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Excess of everything is bad.

Investing is good. I'm 29 M and have not invested much.

I would say follow 40-30-20 rule.

40% of Salary for Needs-rent food etc.
30% of Salary for Wants-anything you wished to buy makes you or parents happy.
20% of Salary for Savings-for your retirement or big purchase.
10% of Salary to Build an Emergency Fund. ( should be sufficient to take care of you for 6 months without a job)

Adjust these values according to your needs.

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opt for3bucket scheme one for enjoyment one for future one to enjoy mix of spendane future

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