I am 40, 2 kids, net take home is 3L. home loan of 45 K for 2.5 more yrs.


Net worth : 2.8 cr

Cash / FD / MF : 72 L
Real estate (lands) : 52 L
Gold worth 1.5 cr

6 bhk individual house with 1.5 cr (not included in net worth)

Pls suggest ways to improve further, analysis on current state and future focus.

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Posting as :
works at
You are currently posting as works at

Focus on increasing your net worth and cash flows. Great to see you have significant capital gains in gold. Quality of life depends on cash flows significantly. Focus on assets that can appreciate but also give a monthly income - Rental property/ Dividends.
Your fixed income is roughly 50-55 LPA. Based on the YoE, this is on lower side. Explore if it is worth to switch at 75-80 LPA and investing extra income.

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Pls suggest such companies providing WFH / flexible hybrid. Thanks

Invest on me

Genuine replies pls 🌞

Based on your take home and job security, nowadays nothing is certain with too much AI disruption

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