“๐๐๐๐๐ก๐ ๐๐๐๐ ๐ก๐จ ๐ซ๐๐ก๐ ๐ก๐๐ข๐ง, ๐๐ข๐ ๐ ๐๐ซ ๐ก๐จ๐ฆ๐ ๐๐ก๐๐ก๐ข๐ฒ๐.” My family was outgrowing our 2BHK. But one question haunted me: How do I upgrade without draining my retirement corpus? The Emotional Trap: โ Everyone said “take a bigger loan, EMI manage ho jayega” โ Feeling pressured to show “success” through property โ FOMO seeing friends upgrade […]
๐ ๐๐จ๐ฌ๐ญ โน๐๐๐ ๐ข๐ง ๐๐๐๐ฅ ๐๐ฌ๐ญ๐๐ญ๐ โ ๐๐๐ซ๐โ๐ฌ ๐๐จ๐ฐ ๐ ๐๐๐๐ฎ๐ข๐ฅ๐ญ ๐๐ฆ๐๐ซ๐ญ๐๐ซ
โ๐๐ซ๐จ๐ฉ๐๐ซ๐ญ๐ฒ ๐ญ๐จ๐ก ๐ค๐๐๐ก๐ข ๐ฅ๐จ๐ฌ๐ฌ ๐ง๐๐ก๐ข๐ง ๐ก๐จ๐ญ๐.โ That’s what everyone said when I invested โน25L in a under-construction property in 2018. Four years later, the builder vanished, and my investment was gone. The Mistake:โ Bought without verifying RERA registrationโ Trusted word-of-mouth over due diligenceโ Put all savings into one illiquid assetโ Ignored red flags โ delayed […]
“๐ฎ๐ฑ-๐๐ฒ๐ฎ๐ฟ ๐น๐ผ๐ฎ๐ป ๐ฝ๐ฎ๐ถ๐ฑ ๐ถ๐ป ๐ด ๐๐ฒ๐ฎ๐ฟ๐ โ ๐ฆ๐ฎ๐๐ฒ๐ฑ โน๐ฐ๐ฌ๐ ๐ถ๐ป ๐ถ๐ป๐๐ฒ๐ฟ๐ฒ๐๐”
๐ ๐๐ผ๐บ๐ฒ ๐๐ผ๐ฎ๐ป ๐ฃ๐ฟ๐ฒ๐ฝ๐ฎ๐๐บ๐ฒ๐ป๐ ๐ฆ๐๐ฟ๐ฎ๐๐ฒ๐ด๐ โEMI toh 25 saal tak bharni padegi.โ Thatโs what I was told when I signed up for a โน45L home loan in 2017. But I had other plans. ๐ง๐ต๐ฒ ๐๐ผ๐ฎ๐น: Pay off my 25-year home loan in under a decade. Why? Because I didnโt want to spend half my life […]
๐๐ถ๐ฟ๐๐ ๐๐ผ๐บ๐ฒ ๐ช๐ถ๐๐ต๐ผ๐๐ ๐๐ฎ๐บ๐ถ๐น๐ ๐๐ฒ๐น๐ฝ โ “โน๐ด๐ฌ๐ ๐ต๐ผ๐บ๐ฒ ๐ผ๐ป โน๐ด๐ ๐๐ฎ๐น๐ฎ๐ฟ๐ – ๐๐ผ๐บ๐ฝ๐น๐ฒ๐๐ฒ ๐๐ฒ๐น๐ณ-๐ณ๐๐ป๐ฑ๐ฒ๐ฑ ๐ต๐ผ๐บ๐ฒ ๐ฏ๐๐๐ถ๐ป๐ด ๐ท๐ผ๐๐ฟ๐ป๐ฒ๐”
โBeta, ghar lena hai toh mummy-papa se madad lo.โ I didnโt. And I still bought my first home. ๐ ๐ช In 2018, I earned โน8L/year. No inheritance. No family support. Just a dream: owning a โน80L apartment in Mumbai. ๐ง๐ต๐ฒ ๐๐ผ๐๐ฟ๐ป๐ฒ๐: โ Lived frugally: โน15K rent, no car, minimal lifestyle inflation โ Side hustled: Freelance tech […]
