Bengaluru techie who has Rs 80 lakh net worth, is confused between saving and retiring early or quitting job and travelling

Techie, 25, incomes effectively in Bangalore, and sitting on a cool Rs 80 lakh internet price. On paper, life appears to be like sorted—no siblings to fret about, dad and mom are secure, and his dwelling mortgage is nearly performed. However right here’s the twist: after an eight-year live-in relationship ended, the entire “grind now, retire early, sip cocktails in Bali later” plan began feeling… meh. Out of the blue, site visitors jams, limitless Zoom calls, and chasing promotions misplaced their appeal.

Again then, he was full-on FIRE (Monetary Independence and Retire Early)—SIPs, RSUs, NPS, prepaying loans, monitoring each rupee. Life was about self-discipline, numbers, and constructing that early exit plan. Now, although, he’s exploring a special rhythm: travelling extra, assembly free-spirited of us who reside out of backpacks, and feeling a pulse of freedom he’d by no means observed in tech life.

Now he’s torn. One facet urges him to remain disciplined and safe monetary independence early, whereas the opposite nudges him to embrace being 25, wholesome, and curious—possibly it’s time to pause, roam, discover, and easily take pleasure in life. Some days he imagines working remotely with a startup, different days he desires of quitting for a number of months simply to wander. The actual problem isn’t nearly cash; it’s about discovering that candy spot the place journey meets stability and life feels actually alive.

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A 26-year-old with a internet price of round Rs 65 lakh, coming from a Tier 3 school and a middle-class household, has ticked off most childhood desires—travelling to over 10 nations, skydiving, deep diving, Disney World, the world’s quickest curler coaster, 11-day treks, and tremendous eating. After discovering his 1.5-year relationship ended as a consequence of dishonest, he’s misplaced curiosity in every part. Working from dwelling because the begin of his profession, with few associates, he questions the purpose of working, although he may reside frugally on his financial savings and inheritance.
Some customers chimed in with questions and observations in regards to the state of affairs. One requested in regards to the individual’s CTC and take-home wage, and the way lengthy that they had been working at Amazon to build up Rs 80 lakh by age 25. One other identified that it doesn’t fairly make sense to them both, sharing an instance of an SDE2 at Amazon who has been there since school. That colleague is extraordinarily frugal—a lot in order that he doesn’t even purchase himself a chai—and but has managed to save lots of round ₹40 lakh.
A 3rd perspective supplied a broader reflection on life decisions. They urged that even when somebody had, say, Rs 20 crore, travelling for a number of months is fulfilling, however the query is what comes after that. They emphasised the significance of dwelling a balanced life, dedicating time to cash, household, and well being. Relating to cash, they suggested both discovering a ardour that drives it or accepting your present path and profiting from it.