I am a 30 year old IIM graduate. I have 6 years of total work ex.

I have only saved 40 lakhs until now. I scrolled across this group and people are already posting that they have saved a crore at this age. How is this possible? How did they achieve this? Am I lagging in life? My salary was decent only all this time.

likefunnyhelpfulupliftingsmart
Posting as :
works at
You are currently posting as works at
Highlighted IconHIGHLIGHTED

At 30 you have 40L saving I'm 31 and I don't even have 10L saving. You are way ahead for your age, abhi me tere sath compare karega to rat ko so bhi nahi paega. Don't compare with anyone, grass is always greener on other side.

likefunnyhelpfulupliftingsmart

6.5 yoe with 2 lacs saving 🥲

likefunny

32 yr old.
MF: 8 lac
Stocks: 2.5 lac
PF : 15 lac
FD 15 lac
Gold: 2.5 lac
PPF: 2 lac
Nps: 3 lac
Flat nr to Mumbai, having loan pending amount 30 lac.
Any thoughts?
I guess I am saving less than guys of my age.

likefunnysmartupliftinghelpful

What are some of the best MFs to invest right now?

Recent IconRecent

👍

29, i have around 50lpa if i combine my savings+fd+pf+mf+stocks. But ,I don't own anything. I never had an education loan. So , probably that's where guys like us save more.
I don't have a house, car and I don't have a fancy lifestyle. So ,pre-covid my monthly expenditure would be below 15k a month.

Why are you living then ? If you're not interested in good lifestyle then why are you earning

Am 28 yrs old 7 5 yrs yoe. Making 29 lpa from 2021 and 15 lpa from 2018. Cleared home loan and have a debt of 3 lakhs. I mostly spent my money on very basic expenses and luxury life in Hyderabad.. bought the best gadgets to play around with. Went on the best dates. Tried craft beer in almost all the breweries here. Puff pizza at broadway is my all time fav. I dont think i can have better experiences in life if i saved all the money i got. But now, i subconsciously started feeling like im full, and started saving to buy a home and harrier. Good luck to me.

Why do you have to validate your self based on other's savings. You did everything in your power to save this much. You should be proud of yourself, there are many who doesn't afford to save much because of their family situations or whatsoever....so be proud of what you've saved so far & all the best...!!!

Guys, has anyone considered investing in metaverse? Please share insights.

Can anyone tell me how to start earning from stocks from public stock? I have employee share in Accenture which is minimal. But I need to start with outside stock which is giving me better returns. Pls. suggest with the company name and all the details to start. Thanks in advance for your big help. 🙏

Hiring is mostly frozen brother now in pvc. If you see some job listing please ping me, I can refer

bro what is savings?

Can you pls refer me to some good MNCs since you are in a good position? Pls. do connect with me.

How FDs are hot ? Any interest rate or something as such ?

Ok thanks for the details..

Age 29 Ex 6.5 yrs
15L equity
16L FD
1.7L MF
2.5L cash
3.5l PF
For the last 2 yrs(covid effect)I have switched 3 companies and saved almost 25- 28 lakhs .before covid my savings was too less.
So don't worry guys sabka time aayega
Stay in present and enjoy every moment

I'm 30, I have 0 savings and EMI of 5k and loan of 70L. You're better bruh.. Enjoy your 40 Lakhs

31m
Not even 40k savings

Just eat best possible food every day, visit a lots of places, watch the world in ur lifetime, but whatever u like or u want to. Without this, there’s no meaning of earning

What the hell are you guys discussing in offers negotiations.. Please help your fellow mates get better information..

Abey bhosdi wale.. Jis kam ke liye bana hai group wo Karo.. Gandu giri instagram pe kro

funnylike

30 year old
Age:30 year old
PF: 6L
GOLD:10L
1st Plot: 10L (now 35L)
2nd Plot :7L (Now 12L)
Flat: 70L (Loan 28L Left)
Liquid Cash: 9L
any thoughts?
please tell me am in good line?

Wow 1.5 CR already!! Your cctc and tech stack??

32M - Tension, Hairloss and No self belief

Please tell me how to get that decent paying job... Someone give me that decent paying job....please....

Here is mine -
25M
Salary 27lpa
Stocks - 2.5L
MF - 8L
PF - 2L
FD - 4L

Sounds realistic,
Thanks for giving me hopes

like

Me who just started my career at 4lpa

Great 👍

Related Posts

like

Can someone help with monthly inhand?Tata Consultancy

Post Photo
like

Whats the senior associate salary range at Grant Thornton?

like

Which company is better Infosys or capegemini? Capgemini provides 1 lakh extra salary than Infosys

like

(I have recently joined IQVIA bangalore. I will receive my first month salary on 25th this month. Payroll portal got just created for me. So, I opened.)

In my reports -> My current CTC section. It has details of Current annual & Monthly AGS. My question is what is AGS? It is showing half of my CTC. Should I raise this to HR or it is just something else. And where can we get the actual CTC reflection? Pls help. Thanks in advance.

like

Who else got an offer from mindtree can please share YOE, designation and CTC offered so that It can be helpful for others.

like

McKinsey & Company What is/was the best signing/joining bonus y’all have received?

Accenture McKinsey & Company Deloitte EY

like

How normal is it to be on a bonus plan at the manager level? I’m in FP&A, former CPA, and make $125k. I feel like I should be incentivized based on my team or personal goals. Thoughts?

like

Hi everyone! I’m on the last round of interviews for an EA position at META, would any of you be willing to provide your hourly base pay? The recruiter gave me what seems a very low base pay. Thank you!

like

Does anyone know why Australian salaries are significantly lower than our US counterparts?

like

I am going to join jpmc in Mumbai for Risk CCB Strategic Analytics (HL Origination) -601
YOE 7.
Could someone please tell me about WLB, kinds of projects and work environment in general there. Also how much is the ideal CTC for this level?

Hi Guys ,

With 11 yrs YOE and having skills in dimensional Modeling,data warehouse ,ETL and Reporting , what should be the salary expectation in market. I have switched from 12 LPA to 26 LPA on feb 2022 as my first switch with IC role as ETL developer . Now looking for data architect role. Most likely i am going to get more 35 LPA but Shall I negotiate for 40 LPA else should not join ? Is 40 LPA is good or very high ? Plz advice. Thanks.

like

Catch BPCL Rs.58 dividend with record date of 16th September

like

Hi, had finished technical with Barclays will have salary negotiation, offer holding 13.1lpa YOE- 3.3 Tech- Java, springboot, microservices Please guide how much they can give base upon your experience Thanks Barclays

like

Can someone explain to me what the big whoop is about working in IB? Hours seem nuts from what I read in the bowls. What am I missing? Is it the pay?

like

Any contract specialists with experience with rebates looking for a fully remote job paying up to 150k base salary. Please reach out.

like

Hi fishes,

I got a offer of 26lpa(23.5 fixed and 2.5 variable) from genpact and 21 lpa (20 fixed , 1 joining) from epam, not sure which one should I join. Please if someone can advice me which i should join keeping ressession in mind. Thanks in advance@

like

I have observed that people on testing domain or frontend are getting better pay than other new tech domains like blockchain, cyber security, data sci etc(4-11yr exp) .
For less than 4 years experience new tech job gettig good pay but others getting very less.

In dev job Java, spring r etc getting better pay. Also some SAP consultant are also get paid high.
Is exp people in testing/frontend dev are less due to which they getting better pay than others with experience.
Based on fish posts*

like

Optum or greenway health as PO with same salary. Please suggest. Thanks in advance

like

I have an interview for a big in-house place coming up. A friend who works there, same role I'm interviewing for, makes I think 40/hr. I'm at 56/yr now, way cocky for me to go in asking for $45/hr?

like

More Posts

Telstra giving 19 LPA , General mills 18 LPA and current ctc is 11 LPA . How much maximum i can negotiate with 4.2 yrs of experience?Telstra

like

Dropping an offer of 95k GBP in UK (strategy consulting + relocation for family with 2 small kids) owing to comfortable family and job situation at home. 38lpa fixed. Wife working with 6lpa fixed. It's definitely a feel good - right?

likeuplifting

Why did I just listen to that Jeffrey Bezos song. Stuck in my head. 🤦‍♂️

likefunny

There’s a potential partner you’ve heard is very talented - but notably mean under stress. Worth it?

like

I have accepted an offer for the role of Director of Data Science & Analytics and I'll be working with old colleagues. I am very excited. I haven't given notice yet because I am waiting for the background check to complete, but my boss just asked me about traveling to a meeting in November. I start at the new job Oct 25. I'm really struggling for how to respond. If I were not leaving it is absolutely a meeting I should be at. I don't want to respond with a lie. Any dvice on how to respond?

likesmart

Got braids. You'd think I literally got a face transplant from how shook my coworkers are. I would say over 10 people have stopped me to ask about them or comment on them and I've been at work for maybe 2 1/2 hours. It's all been positive, but am I wrong for still finding it annoying? They don't lose their minds when Sarah gets bangs or whatever so I wish they could keep that same energy.

like

The Democrat run city of Chicago as of today (halfway through the year):

Total shot: 2029, total homicides: 403

Post Photo
likefunnyupliftinghelpful

When do you feel the most purpose?

like

Pretty new here! Great news ..JOB offer …however the company is lowballing salary ..I informed recruiter Amount was not acceptable …sent off the salary requirement letter …. Nail biting ..Why waste my time again …she didn’t know the budget… so we proceeded forward, her reply ..advised me to talk w hiring team but in final interview there was no opportunity to speak abt salary w hiring team ….Have to say I enjoy the posts & it’s a decent networking site!!

Is there any profile which is based on purely SQL and nothing else, no excel/tableau/powerbi task.

like

Hi Amazonians.. can any one refer me for Amazon. Yoe :6 + tech stack : manual and automation testing (java with sele) Amazon

Anyone have a ballpark on what lumber for something like this would cost? Queen sized platform bedframe

Post Photo
like

Plus LinkedIn sourcing i guess

Post Photo
likefunny

What’s going on at AKQA Amsterdam?

like

Big IPOs dropping this week (Airbnb, Door Dash, C3.ai). Is anyone excited to buy?

like

Anyone looking for housing? I have 2 apartments available in Brewerytown, 5 minute walk to trolley, crime and punishment brewery and green eggs cafe.

Both are 3 bedrooms, 2 bathrooms. Brand New construction and you will be the first one to live there.

DM if you are interested!

like

I just turned the heating on. Wtaf. 🥶

like

When are the usual trips to france done in Airbus?

like

Any hr shared services or hr ops vacancy in India?

like

Additional Posts in Offer Negotiations

Hi all,

What will be the in hand salary for this salary structure.

TIA!

Tata Consultancy

Post Photo
likefunny

5th September is my last working day at Infosys. Yoe=4+ yrs
Tech= aws devops
I hold an offer of 18LPA from KPMG with joining date of 7th September. (Wfh)
I applied at Workday on 15th May and went through 7 technical rounds of interview and received a verbal offer letter of 21LPA (hybrid)
Now apparently their technical panel "forgot" about the interview and wants to have a discussion again as 8th technical interview. HR says their joining date will be 19th September.

Should i join KPMG?

like

Hey Fishes,
I am making my first switch. What should I tell my current manager on why I want to leave ?
He is the most dramatic person I have ever seen. I don’t have much experience in these kind of corporate talks.

Yoe : 2.1 years
CCTC : 3.9 LPA
Offered: 7 LPA

like

Got verbal offer from Qualcomm on 16th sep but haven't receive any formal offer yet, hr is not responding . Is the delay normal?

like

I have 6 YOE in. Net+Angular and got an offer from Legato Health Technologies with 20 LPA Fixed, i joined Infor just 11 months ago with 12LPA Fixed and i will get the hike in August. If i resign now i will not get hike and i am a critical resource in the project, i guess Infor might try to retain me by matching offer. What should i do? Should i resign ASAP and not negotiate with Infor . I have all these doubts because Infor is a product based company.

like

My job application status says shortlisted in Mindtree Portal after 3 round of technical interviews. The recruiter told me he will send an invite for the HR round (10-15 days back) But i am yet to receive any information from them.

Can someone from #Mindtree help me understand what process they follow for recruitment?

Hello fishes,


Got an offer from Mphasis. Should i accept it right away or can i wait for a counter offer from another company?(it is under discussion currently)
Or
Accept it now and discuss negotiations later?

Its written in Mphasis offer letter that i can endorse the acceptance before the date of joining.

Please suggest.

like

Which questions candidate should ask in final round of discussion.
What are the things one needs to get confirmation about?
E.g.
1. CTC Break up
2. Leaves policy
3. Appraisal cycle
4. Location
Etc.

P.s. I am working as Data science positions.

like

Larsen & Toubro Infotech Can someone decline from joining the org on the joining date? I am expecting a counter offer with the same DOJ, but i wont be rejecting the current company i am joining, unless I see the offer from the countering org. Any suggestions on how to handle this situation? Will the first org that i was supposed to be joining, considering me as an employee and apply notice period constraints?HSBC Larsen & Toubro Infotech Tata Consultancy Barclays

like

Started using this app two months back, once I get first offer.. after getting lot of knowledge and help from this app. I am joining one of the product based company.

Thanks a lot for all whoever help others

likeuplifting

Dear All Fisbowls,

I have a query. Request all of yours suggestion and if you have done something similar to this please share.

You have resigned and have offer in hand suppose 15 fixed.
Meanwhile you get another offer but they will give around 17 fixed.
I am thinking to quote my in hand offer as 17 fixed with changes in it and share it with them.
So that they can give me around 20 fixed.
Request to share honest detail here.

like

What is the approximate package offered in a product based company to "Software Engineering Manager" with 15 years of total experience ?

Is it normal for a company to directly share offer letter to sign without me accepting verbally, they know I have competing offer.

like

Epsilon I am getting an offer from Epsilon.
Please some one help me with the Work Life Balance in the company and Internal Hike of Epsilon.

YOE : 5.5

like

What is the salary range for Technical Lead in EY, YOE 4.6, Techstack Angular, Frontend EY

Current CTC 15

What's is average salary for Application Engineer level 4 at Google ? Also how much time it takes after team matching for HC to evaluate and come back with an answer ? Google

like

EY Morgan Stanley

Post Photo

Lesson learnt:

Never tell your colleagues where you are joining beforehand.
Not all are good advisors, some will ruin your mind with their opinions.

likesmart

BT eServe India Private Limited

Hi Sharks,

What is career level D in BT?

How is the work culture ?

Many thanks

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal