When a 27-year-old IT professional with a Rs 15 LPA salary decided to share his complete financial situation on Reddit, it struck a chord with thousands. With no family wealth, no financial backup, and a partner currently unemployed, the couple is determined to build everything from scratch — from a modest home to a frugal retirement plan. What followed was a flood of internet advice, ranging from cutting expenses to aggressive planning for long-term stability.
The techie explained that his in-hand income is Rs 95,000 per month, of which about Rs 66,000 goes into expenses. Rent (Rs 12,000), groceries (Rs 17,817), and two EMIs — Rs 16,228 for a laptop (ending this year) and Rs 7,160 for a bike (ending in 2026) — take up a major chunk. Despite this, he manages to invest Rs 28,000 monthly, including Rs 20,000 in SIPs, Rs 5,000 in PPF, and Rs 3,000 in NPS. Together with his partner, who has savings of about Rs 10.2 lakh, their combined net worth stands at around Rs 25.2 lakh.
For goals, the couple is aiming to buy a Rs 30-40 lakh home within the next 2–3 years, build a retirement corpus, and eventually buy a car. They also acknowledged gaps such as not having term insurance yet. Sharing openly about their background, the Redditor added that both he and his partner grew up with toxic parents, have zero generational wealth, and are committed to living frugally to create a secure life.
Internet reacts
The post quickly drew plenty of reactions from Redditors. Many were impressed by how the couple managed to keep eating-out expenses at just Rs 1,154 for the entire month and fuel costs at only Rs 500. Users noted that this kind of discipline is rare and advised them not to compare their financial journey with others but to stay focused on their own path.
Several offered practical steps for improvement. They suggested closing the laptop EMI as soon as possible, given the likely high interest rate, and taking up a term insurance plan with at least a Rs 50 lakh cover. For the home-buying goal, users estimated that by 2026, they would need around Rs 12 lakh in cash for a Rs 35 lakh property, including costs like registry and furnishing.
Others pointed out areas where further savings could be made, such as cutting down on internet bills and reducing medical expenses if possible. Many also felt that income growth was crucial, urging the techie to upskill and switch jobs since Rs 95,000 per month seemed low for a couple aiming to buy a house.
Redditors emphasized building a strong safety net by keeping at least 6–12 months of expenses in a liquid fund, amounting to around Rs 7–8 lakh, and not delaying term insurance since premiums would be lower at their age. Some even reminded them to account for overlooked goals like marriage expenses, which could come before purchasing a home.
The techie explained that his in-hand income is Rs 95,000 per month, of which about Rs 66,000 goes into expenses. Rent (Rs 12,000), groceries (Rs 17,817), and two EMIs — Rs 16,228 for a laptop (ending this year) and Rs 7,160 for a bike (ending in 2026) — take up a major chunk. Despite this, he manages to invest Rs 28,000 monthly, including Rs 20,000 in SIPs, Rs 5,000 in PPF, and Rs 3,000 in NPS. Together with his partner, who has savings of about Rs 10.2 lakh, their combined net worth stands at around Rs 25.2 lakh.
For goals, the couple is aiming to buy a Rs 30-40 lakh home within the next 2–3 years, build a retirement corpus, and eventually buy a car. They also acknowledged gaps such as not having term insurance yet. Sharing openly about their background, the Redditor added that both he and his partner grew up with toxic parents, have zero generational wealth, and are committed to living frugally to create a secure life.
Internet reacts
The post quickly drew plenty of reactions from Redditors. Many were impressed by how the couple managed to keep eating-out expenses at just Rs 1,154 for the entire month and fuel costs at only Rs 500. Users noted that this kind of discipline is rare and advised them not to compare their financial journey with others but to stay focused on their own path.
Several offered practical steps for improvement. They suggested closing the laptop EMI as soon as possible, given the likely high interest rate, and taking up a term insurance plan with at least a Rs 50 lakh cover. For the home-buying goal, users estimated that by 2026, they would need around Rs 12 lakh in cash for a Rs 35 lakh property, including costs like registry and furnishing.
Others pointed out areas where further savings could be made, such as cutting down on internet bills and reducing medical expenses if possible. Many also felt that income growth was crucial, urging the techie to upskill and switch jobs since Rs 95,000 per month seemed low for a couple aiming to buy a house.
Redditors emphasized building a strong safety net by keeping at least 6–12 months of expenses in a liquid fund, amounting to around Rs 7–8 lakh, and not delaying term insurance since premiums would be lower at their age. Some even reminded them to account for overlooked goals like marriage expenses, which could come before purchasing a home.
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