Title: Roadmap to 40: ₹2.5Cr NW to Farming Venture
Hit ₹2.5Cr true net worth at 30 (single), but heavily RE skewed. Goal is to retire by 40 and start a farm.
Salary: ₹1.42L take-home
Flat: ₹2.25Cr (₹25L loan remaining)
Liquid: ₹50L in Stocks/MF/Gold/PF
With a 10-year horizon, how do I fix this illiquidity bottleneck? Do I clear the house debt first or push everything into high-growth equity? Target milestone for 35?

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

Curious to know how did you manage 2.25CR flat at 1.42L take home

likehelpful

Planning to get married, single till now. Yeah, i have permanent WFH. I do intraday sometimes plus swing trading and i am a regular investor
I am doing freelancing too and worked as a tutor too for tech students

like

I do not understand why people think too much of the future (and thats even for money) when it's not guaranted anything. Do well what you do today. Plan whatever you can for 1-2 year but for 10-15 yrs I do not understand the planning thing becoz times do change

like

Thanks for sharing. Good thing is you are happy. Wishing you all the best for your future.

like

This is remarkable. I take 2.35 lpm but don’t have even 10
Lacs in cash, but flat worth 1cr with 28l remaining.

like

This is also not possible.. you don't have 10 in liquid or you don't have 10 lakh altogether including pf nps and mf

That's great, home is sorted, just 1-3 years, and you will be done with home loan.

Just focus on 15-18 lacs corpus generation and you should be good to achieve FIRE, considering you have 1 child, for whom you need to plan education and marriage expenses.

We are a DINK couple and on our way to attain FIRE By 45.

likehelpful

I am single till now, planning to get married.
Back in the mind we do have some farm land, thinking to start milk selling and something related to plants business

We were DINK until I was 35. Now I recently became a mother. Have some good assets. Even we always wanted to retire before 45 but now after baby, I am not sure how to go about that. Baby will be 10 when we are 45. Is it okay to retire, even if we have good assets? What to do in our free time? Are ppl who plan to retire early DINKs? And what all sorts of side hussle you ppl have in mind that may give steady new income?

like

I have build a house for my parents that also gives rental for them to survive which would now easily cost 1cr, where we spent around 50L,
And then I purchased a 2bhk while I came to chennai for a job , instead of high rental around 50L with loan and now it would be easily around 70L,
Now this year purchased a bigger appartment at 1.5cr with 1cr loan that gets covered mostly with the rental

Atul Kumar Rathore worked in Global GIS Solutions as Gis analyst

like

I guess wfh, no expenditure

Okay then I understand

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