LifeAfterFI @LifeAfterFI Twitter profile

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LifeAfterFI

4 years

Many new Twitter followers are (understandably) asking questions that I've answered sometime in the past. Hence, I hope this collection of threads and posts will be useful. I intend to keep this updated over time. //THREAD// 👇

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LifeAfterFI

@LifeAfterFI

3 months

Too many Indians in tech think their 15-20 years' experience will enable them to find a similar job in case of retrenchment. False. For many in 40-50 bracket, what they earn now will be their highest income in life. Ageism is real. Don't live in fantasy.

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LifeAfterFI

@LifeAfterFI

4 months

Decades ago, a mentor told me, "Focus first on becoming wealthy enough for your & family's needs and wants. After that, if you still have interest and enthusiasm, you can work towards uplifting others." Evergreen advice to those in 20s & 30s.

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LifeAfterFI

@LifeAfterFI

3 months

One of the best things I ever did as a mentor was convince 2 smart IIT / IIM grads to not waste their life in trying for IAS and instead follow the money trail when young. Both are in late 30s now, very comfortably well-off, quite happy, and thankful for the advice.

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LifeAfterFI

@LifeAfterFI

2 months

Hard work? All government employees? Have you lost your mind, @narendramodi ? India is what it is despite the government and babudom, not because of it. Anything that is 100% govt (irrespective of party in power) with no private sector participation is pure, unadulterated shit.

Narendra Modi

@narendramodi

2 months

We are proud of the hard work of all government employees who contribute significantly to national progress. The Unified Pension Scheme ensures dignity and financial security for government employees, aligning with our commitment to their well-being and a secure future.

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LifeAfterFI

@LifeAfterFI

6 months

Nobody needs to have a child or a dog or do Asia trips annually or buy a car on EMI or spend 10k monthly on clothes / footwear / accessories. And who buys furniture or mattress annually? This so-called budget is a joke. Sit down. Zero marks. Redo homework.

Pritesh Kakani

@pritesh_kakani

6 months

Family of 4 Expense in Metro city in India is 20 lakh per year. No luxury expense added. Details are as follows:

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LifeAfterFI

@LifeAfterFI

1 year

I have found living in India tolerable only because of a self-created comfort bubble. Most days am within 500m radius from home. Minimal contact with random strangers. Avoid interfacing with any govt service where feasible. Small, select social circle. Online shopping mostly.

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LifeAfterFI

@LifeAfterFI

4 months

Those who talk of India's demographic dividend in 2024 have never talked with tier-3 or below college students. We had a potential demographic dividend in 1990. Today, India has demographic garbage. The only ability of most youth is to convert O2 to CO2, nothing else. 🤷🏽‍♀️

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LifeAfterFI

@LifeAfterFI

1 year

Not a single NGO has ever shut shop saying "we have solved the issue for good and are no longer needed." The business of NGOs is to stay in business, not to permanently solve problems. In that way, NGOs are exactly like consulting.

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LifeAfterFI

@LifeAfterFI

3 months

So many urban Indians in their 20s-40s take 10 lakh+ car loan because they "enjoy long drives". Yes, they go for long drives. 1-2 times a month at most. But every weekday, they spend 1 hour+ stuck in jams. Paying interest to mostly drive at below 30kmph is 🤣🤣🤣

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LifeAfterFI

@LifeAfterFI

5 months

When you are frustrated with your white collar job, remind yourself: You are getting paid reasonably well for doing nothing particularly useful for the world. If your job didn't exist, the world would go on just fine. Use that understanding to practice gratitude. 🙏

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LifeAfterFI

@LifeAfterFI

3 months

Modi must regret not calling for early elections in late 2023/ early 2024 when the "mahaul" was very much 300+ easy. He should thank his stars the elections are not now; I've a feeling BJP would struggle to reach even 200 if elections were held today.

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LifeAfterFI

@LifeAfterFI

4 years

How to choose a direct mutual fund? 1. Start with the basics - what are your goals, time horizon, and risk appetite? Your dream vacation fund can take more risk than your kids education fund, for example.

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LifeAfterFI

@LifeAfterFI

4 months

Currently, our financial assets are 73% outside India (not just invested abroad, but held in foreign custody) and the plan is to raise it to 90% by 2029. No damn way am I risking our money for freeloader vote bank schemes, no matter which party initiates or follows it.

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LifeAfterFI

@LifeAfterFI

3 months

A good chunk of urban Indians who own a home of market value 1.5-2Cr (very often on mortgage) won't have even 1Cr in financial assets. That's hilarious and tragic at the same time. 🤷🏽‍♀️

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LifeAfterFI

@LifeAfterFI

7 months

40yr+ tech professionals doing primarily project or people management: don't do stupid stuff like getting second-home loan because your career days are likely numbered. And once fired, you are unlikely to find another tech job. At all.

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LifeAfterFI

@LifeAfterFI

1 year

The average Indian. Moment you step out of airport, you are surrounded by touts who probably haven't had a bath for 2 days, shouting in your face. Roads are chaos with crazy honking, no lane discipline, and with fumes enough to remind you of a gas chamber. Can go on...

MoneyTalkWithL

@LarissaFernand

1 year

Why is India not regarded as a tourist friendly country? Where are we falling short?

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LifeAfterFI

@LifeAfterFI

1 year

A friend who FIRE'd in 40s has been open about it. His neighbours are now envious and indulge in petty, spiteful, non-cooperative behaviour. Lesson: Enjoy wealth in stealth. Especially in India, where the vast majority will never be even really well-off, forget wealthy.

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LifeAfterFI

@LifeAfterFI

3 years

#FinancialIndependence is good, financial resilience is better. Almost everyone has Emergency Fund, which is a must, but there are a few other often overlooked items that makes financial life anti-fragile. Crafted my vision of "Beyond FI - Financial Resilience Power Shields":

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LifeAfterFI

@LifeAfterFI

8 months

People who say that India's 🇮🇳 population is the biggest strength forget that most have below average IQ (stunted by deficient early nutrition, poor education system, and overall quality of life) and barely subsistence level purchasing power, making it a curse, not a boon. 🤷🏽‍♀️

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LifeAfterFI

@LifeAfterFI

4 months

It's 2024 and every single Indian central & state government website looks like it was developed in 1994. Indian government should outsource all administration to a competent country like Singapore. And in return, send IAS babudom to clean bathrooms at Changi Airport.

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LifeAfterFI

@LifeAfterFI

4 years

Nothing worthwhile is achieved without mistakes. I’ve made my fair share on the path to #financialindependence //THREAD// 👇

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LifeAfterFI

@LifeAfterFI

1 year

A friend has a side hustle as a proxy buyer. Negotiates and buys things like homes, vintage cars, paintings etc. on behalf of ultra rich people who can never get that price if sellers knew the buyer identity. Commission is typically 33% of saved amount. Nice!

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LifeAfterFI

@LifeAfterFI

4 months

Someone in the apartment apparently bought a new car costing 18-20L with a loan of 7-8L. Why? Supposedly to celebrate paying off their home loan. Home market value max 1Cr. 🤦‍♀️Yappa. Yen goobaldgaLu.

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LifeAfterFI

@LifeAfterFI

5 months

I speak fluent Kannada yet find the behaviour of majority of auto drivers and many cab drivers deplorable. The language issue is just a cover for the fact that they are unwashed assholes.

AB Gowda | ಅಭಿ ಗೌಡ

@GutsGloryAbhi

5 months

The chances of him being polite if the commuter spoke in Kannada is zilch. Bengaluru is degenerating rapidly. This is not a language issue at the core, it's an Urban soreness that's caused by poor economics.

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LifeAfterFI

@LifeAfterFI

6 months

The truth is vast majority of (especially white collar) jobs are bullshit jobs. Meant to keep people busy with little real value to society. That's OK. Focus on improving your & family's life thru your job. Don't obsess about purpose etc. and drown in existential angst.

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LifeAfterFI

@LifeAfterFI

2 months

And within a week of the below, BJP would likely struggle to get 125. The anger among non-govt employees that their taxes will have to pay for lifelong support of govt employees (with inflation adjustment whereas private sector has no indexation benefits) will have consequences.

LifeAfterFI

@LifeAfterFI

2 months

Less than a month after, BJP would likely struggle to reach 150 if snap elections were held today. BJP losing the perception battle. Badly and fast. #LateralEntry Moderate/strong BJP supporters will not vote opposition, but will likely abstain or NOTA. And that'll be enough.

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LifeAfterFI

@LifeAfterFI

6 months

12-18 months after early retirement, how many ex-colleagues do I expect to be in touch with once every 4-6 months? Perhaps 1. Max 2. 24-36 months after? Most likely 0. Workplace friendships generally revolve around the job.

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LifeAfterFI

@LifeAfterFI

4 months

These freeloader farmers are a burden on the nation and will ultimately be its downfall. If only large corporates could enter farming, it'd be so much more efficient with synergies of scale and scope.

News Arena India

@NewsArenaIndia

4 months

BIG ANNOUNCEMENT Maharashtra Govt to waive off electricity bills of 44 lakh farmers.

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LifeAfterFI

@LifeAfterFI

3 years

@dmuthuk This! Sometimes people remark how nice it must be to be financially independent in 40s forgetting that I made very unconventional choices for last 2 decades to get here.

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LifeAfterFI

@LifeAfterFI

3 months

Returns: XIRR of 21.6% over 20+ years in globally diversified ~65:35 equity:debt portfolio Result: portfolio size greater than cumulative gross income earned over same 20+ years Secret ingredient: average savings rate of 65.7% My first-hand experience.

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LifeAfterFI

@LifeAfterFI

7 months

We are vegetarian. No meat in our home. When we invite, it'll be only vegetarian food (even if at a restaurant, we won't pay for meat dishes). You have the freedom to decline our invite. At your home or when you invite us, your rules apply. We have the freedom to decline.

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LifeAfterFI

@LifeAfterFI

10 months

As I draw the curtain on my career, I reflect that I've been tagged a high-potential, top performer, excellent leader. But I've no doubt that within 2 weeks of exit, I will be mostly forgotten and remembered occasionally only by some (if at all). And that's OK.

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LifeAfterFI

@LifeAfterFI

4 years

Have had many ask how much money is enough for (presumably early) #financialindependence in India. Is it 25x, 30x, or 40x of current annual expenses? My opinion. //THREAD// 👇

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LifeAfterFI

@LifeAfterFI

29 days

What's the most wasteful use of money I've ever done? Flown to Thailand just to eat mango sticky rice. Flew in. Shower & breakfast at a friend's place. Ate 3 plates of mango sticky rice for lunch. Foot massage for 2 hours. Flew back. Zero regrets.

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LifeAfterFI

@LifeAfterFI

8 months

No. N as in No, O as in No, and NO as in hell fucking no. You do not have to compulsorily tip because a delivery fee is already included. People should demand and get a fair wage from their employers without having to rely on the kindness of strangers.

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LifeAfterFI

@LifeAfterFI

5 years

Today, my senior citizen mum called the #CoronaTaskForce established by @Tejasvi_Surya in BLR(S). Not only did she get the vegetables she needed delivered to her door, but also she got a surprise. 1/n

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LifeAfterFI

@LifeAfterFI

1 year

A 5-point action plan to "reciprocate" EU passport holders seeking Indian visa. Attn: @MEAIndia @DrSJaishankar 1. Remove EU from e-visa eligibility. Mirror their application form, fee documents needed incl. confirmed air tix & hotel booking for Indian visa //Thread// 🧵⤵️

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LifeAfterFI

@LifeAfterFI

2 months

For a decade between 2013-2023, RaGa was BJP's best mascot and vote catcher. Ever since Jun 4, 2024 NaMo seems very keen to return the favour, ably aided by Tax Terrorism Tai. It would be hilarious if the consequences wouldn't be so tragic.

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LifeAfterFI

@LifeAfterFI

6 months

If you are lucky enough to FIRE, reveal that only to family and close friends. To everyone else, say you got fired from your job. Better that people feel misplaced sympathy for you than misplaced envy or jealousy.

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LifeAfterFI

@LifeAfterFI

27 days

Anybody else for whom the iPhone 16 launch and Coldplay tickets sales were both non-events? 🙃

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LifeAfterFI

@LifeAfterFI

1 year

If I am atheist, why am I sympathetic to (at least some) Hindu issues in India? Simple reason - my parents & good friends are Hindu. Plus I am 100% convinced that as an atheist, I'm secure in India only so long as it is Hindu-majority.

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LifeAfterFI

@LifeAfterFI

2 years

@dee_bosa The lesson in here is to never buy a car on loan. If you cannot buy a car outright, you cannot afford it. No ifs, buts, honey, or nuts. Hope Daniel learns a life lesson from this.

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LifeAfterFI

@LifeAfterFI

3 months

You can get wealth through luck but the only way anyone stays fit in 40s and 50s is through sheer hard work and discipline.

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LifeAfterFI

@LifeAfterFI

6 months

By 40s, I reached a point in life where spot / recognition awards of less than INR 8-10 lakhs were no longer motivational. My portfolio was generally growing way more than that. With no effort on my part.

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LifeAfterFI

@LifeAfterFI

2 months

Sometimes, the government of the day makes the choice for you. 🤷‍♀️ In 2014, when Modi won, I really thought India had a chance to be 2nd world in my lifetime. Never imagined we'd apply for a different citizenship during his tenure as PM.

LifeAfterFI

@LifeAfterFI

3 months

For about 6 months now, we have been debating the idea of purchasing a different citizenship with a couple friend who are also considering it and they sent this. Sometimes, happiness lies not in having the choice but in making a decision to eliminate the choice!

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LifeAfterFI

@LifeAfterFI

2 months

In your 40s and 50s, the right question to ask is not whether you like or love your job but instead how stressful it is? Stress is a silent killer. No job that is the primary source of your daily stress is truly worth it.

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LifeAfterFI

@LifeAfterFI

4 years

@dmuthuk Don't even need 20 years. I did it since 2015 and by end of 2020, was pleasantly surprised.

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LifeAfterFI

@LifeAfterFI

2 years

Money isn't the most important thing in life. But it is like oxygen. If you have enough, you can pay attention to other things. But if you're deprived, you cannot think of anything else and your survival is threatened.

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LifeAfterFI

@LifeAfterFI

4 years

This is not some inspirational quote on personal finance. It indeed happens. It's not unusual now, during my third decade of investing, to have days every so often when the daily change in my portfolio value exceeds my entire first year salary when I started work!

D.Muthukrishnan

@dmuthuk

4 years

The capital you strive to accumulate in the first decade of investing would equal to one day volatility of your portfolio some time in the third decade. That's the power of compounding. Don't give up.

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LifeAfterFI

@LifeAfterFI

2 years

I sincerely hope I don't live a single day past 85. And certainly not into 90s. It's a harsh truth that most people in 90s have a poor quality of life for themselves and are, to varying degrees, a burden on others. Longevity, without 100% physical independence, is a curse.

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LifeAfterFI

@LifeAfterFI

3 years

Lifetime Spend Ratio (LSR) is how much of your lifetime income you've ended up spending so far. LSR < 50% means you've retained (through saving & investing) more money than you've spent.

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LifeAfterFI

@LifeAfterFI

2 years

Contrarian Career Advice: In late 30s / 40s if you are in a well-paying, low-stress but boring job, think hard before giving it up for a lower paying job with challenge, learning, purpose blah blah. You can get all that to a much greater degree through hobbies & side hustles.

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LifeAfterFI

@LifeAfterFI

2 years

If I look at purely the intellectual horsepower needed to do my job, I am overpaid. But when I factor in the bureaucracy, biases, mindless meetings, silly questions, ego balancing, perception management, and occasional idiocy I've to deal with, it's pretty fair compensation.

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LifeAfterFI

@LifeAfterFI

2 years

Retirement is great but only if you have a lot to retire on and a lot to retire to. Which is why it's equally important in 20s-30s-40s to develop deep interests & hobbies as it is to build a retirement portfolio.

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LifeAfterFI

@LifeAfterFI

5 years

The volunteer, a Ms. Bhargavi, who delivered the vegetables refused to take payment!! She said it was already sponsored. My mum then offered to sponsor it forward and pay cash for the donation but was directed that such a donation could only be done online. 2/n

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LifeAfterFI

@LifeAfterFI

6 months

After paying over 2.5L in premiums over the years and never making a claim, it's time to bid my insurance goodbye. I don't see paying for decades and not claiming as a waste of money. In fact, that's the best possible outcome for pure term insurance.

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LifeAfterFI

@LifeAfterFI

3 years

@dmuthuk This aspect that you can support a party yet be critical of certain policies is hard for lemurs & plebs to understand. And they accuse others of being brainwashed. 🤦🏻‍♀️

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LifeAfterFI

@LifeAfterFI

4 years

@dmuthuk This needs to be repeated a 1000 times over. I have experienced this first hand. Entrepreneurship is touted as the fast path to wealth but nobody talks enough about how risky it is. Slow and steady more often wins the race to financial independence.

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LifeAfterFI

@LifeAfterFI

3 months

While income tax changes wont affect me much, I hope the govt reduces taxes and puts more money in hands of people. Having first-world tax rates in a third-world country is blatantly unfair. #BudgetDay

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LifeAfterFI

@LifeAfterFI

5 months

Growing up, Pears soap was a luxury we couldn't afford. Today, we can buy any premium bath soap without batting an eyelid but the joy I get from bathing with Pears is unmatched. Happiness is as much rooted in emotions & psychology as it is in affordability.

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LifeAfterFI

@LifeAfterFI

3 months

So if age works against you, tech disruption is a constant, and even out-performance doesn't guarantee your keeping a job, what are you supposed to do? Don't aim for job security. It doesn't exist. Aim for financial security. That's much more in your control.

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LifeAfterFI

@LifeAfterFI

2 months

In other words, India will continue to be third world and #vishwaguru will be another drunken delusion. And may slowly degenerate into a third-world shithole based on how fast central and state govts slide down the path to fiscal profligacy.

Dr Shivam 'da'

@angryoldman27

2 months

Going forward, I feel India will forever be a "mixed economy". We will never be a fully free market economy, bcoz vast majority of our population either needs subsidies, or feel entitled to it, and removing them will harm the ruling party politically. As I understand, and I am

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LifeAfterFI

@LifeAfterFI

3 months

The day you realize that life has no purpose is the day you're liberated. Whatever your "purpose" is, it's just a story you tell yourself. So stay engaged in activities you like, even if they are disconnected and incoherent to others. That's far better than seeking purpose.

Rohit Manchanda

@rohit_thinks

3 months

This whole thing of “early retirement” is not what people make it out to be. I had a call last week with a 34-yr old founder who exited his startup with a $5M payout and retired. He appreciates how comfortable his life is but at the same time he mentioned how he feels a big

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LifeAfterFI

@LifeAfterFI

6 months

Riddhi Patel's own destruction of her youth, career prospects, and hopefully her life should be an example to other arrogant self-righteous youngsters. Get off your deluded high horse quests and first, clean up your bedroom before you try to save the world.

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LifeAfterFI

@LifeAfterFI

3 years

I do not have any #investing (MF, brokerage, price tracker etc.) apps on my phone. When I'm investing with a minimum horizon of 10 years, I do not see the need for instant access to investments. Prevents impulse decisions. Information is over-rated. Behaviour is under-rated.

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LifeAfterFI

@LifeAfterFI

5 months

Ordered a drink costing £12. Had one sip. Instant revulsion. Dropped into garbage. 20 years ago, I would have forced myself to finish it because "how can i waste £12"? Glad to have understood sunk cost fallacy and evolved.

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LifeAfterFI

@LifeAfterFI

3 months

For about 6 months now, we have been debating the idea of purchasing a different citizenship with a couple friend who are also considering it and they sent this. Sometimes, happiness lies not in having the choice but in making a decision to eliminate the choice!

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LifeAfterFI

@LifeAfterFI

3 months

If you amass enough money to live the life you want - do what you want, when you want, with whom you want - you have won the game. How much that money is compared to what someone else has is completely irrelevant.

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LifeAfterFI

@LifeAfterFI

1 year

I can forgive many things but stupidity ain't one of them. If this is the kind of regulation that the Modi govt. think is a good idea, I think it's an even better idea to not press the Lotus symbol next year.

Deep Choudhuri

@deep_choudhuri

1 year

@deepakshenoy FEMA Current Account Rules amended last night. It is likely that cc spends it will be brought under the ambit of LRS.

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LifeAfterFI

@LifeAfterFI

2 years

Compared to my peers, I probably have had average success career-wise. But I got what I wanted out of my career - financial freedom before 50 - so I'm thrilled. Designations, awards, promotions, scale of responsibility, legacy mean very little to me. Always play your own game.

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LifeAfterFI

@LifeAfterFI

2 years

Off late, the Kannada pride brigade is beginning to get unhinged. Thought it was restricted to some unwashed auto drivers, but it seems like the educated lot can be equally stupid. 🤷🏼‍♀️

Dr Manju Shree / ಡಾ|ಮಂಜು ಶ್ರೀ

@imanjuvs

2 years

Hey @IndiGo6E ,Today i travelled in your flight 6E-5251 from Bengaluru to Mumbai.A air-hostess named Ankita told that the crew knows English, Hindi and Marathi.Why they don't know Kannada when you are providing service from Bengaluru What's this behaviour @ajavgal @rajanna_rupesh

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LifeAfterFI

@LifeAfterFI

2 years

Career Secret: If you work 4 solid hours daily with full cognitive ability and without interruption, your output & performance will be higher than 99% of employees who work the traditional 8-hours.

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LifeAfterFI

@LifeAfterFI

4 years

When an opportunity is lost, there are often others we can find. But if we lose enough money, we go out of the game. Many times with no way back in.

D.Muthukrishnan

@dmuthuk

4 years

I've no clue what moves Bitcoin. Don't know how to value it. Neither understand why it fell 80% in 2018 or why it rose 50% in matter of few weeks. It's perfectly fine if I'm losing an opportunity of life time. I never mind losing opportunities. I only worry about losing capital.

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LifeAfterFI

@LifeAfterFI

2 years

Here are the buckets in our #personal finance plan and how we think of them. All expenses are as of today's prices with 10% buffer. //THREAD// 1/n

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LifeAfterFI

@LifeAfterFI

1 year

I expect NRI friends and relatives to be in greater demand soon enough - they pay for foreign purchases and get paid in INR to their India bank accounts. TCS bypassed. Less inward forex remittance too. Whoever came up with this dumbass idea should be fired. Upon.

LifeAfterFI

@LifeAfterFI

1 year

This is a complete dumbass move. Credit Card is already linked to PAN so where is the need for any TCS, assuming the intent is to detect tax evasion? Unless this is a way for govt. to get an interest free loan from users of credit cards.

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LifeAfterFI

@LifeAfterFI

1 year

Newsflash students: Here's a simple way to not be tagged a "quota student". Apply under General Category. If you take admission under the quota criteria, then being tagged a "quota student" isn't a slur, it is a fact.

IIT Suicides: What's Your Rank? Domino Effect of One Question Can Push SC/ST Students to the Brink...

The fear of being tagged a “quota student” is real. Discrimination by fellow students, faculty, staff and a strong anti-reservation sentiment throws students from disadvantaged communities into...

www.news18.com

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LifeAfterFI

@LifeAfterFI

5 months

I.N.D.I alliance will double down on freebies and caste reservations. NDA/BJP will have no choice but to be more reckless fiscally. Another lost decade? Overall, a good reminder that if you have money to invest, diversify beyond just India. PS - Predicting the future is hard.

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LifeAfterFI

@LifeAfterFI

3 months

Youngsters who say "I'm OK to make less money to follow my passion" will generally end up regretting it in later life. Unless the passion ultimately makes enough money to get them to comfort, wasting working years on passion is a dumb idea because penury in older age sucks.

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LifeAfterFI

@LifeAfterFI

2 years

If your parents have net worth less than 10 Cr (excluding primary residence) and want to spend more than 2-3% of it on your wedding, you should put your foot down. Indian parents over-spending on kids' wedding is a big hidden-in-plain-sight financial risk.

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LifeAfterFI

@LifeAfterFI

7 months

If you're in late 40s+ and financially stable (low or no debt, good savings etc.) here's some contrarian career advice: Do not Lean In, Lean Back. Put your feet up and relax a bit.

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LifeAfterFI

@LifeAfterFI

3 months

Home loan checklist for 🇮🇳: Age 40+ (I made the mistake of buying at 30❌️) Min. 40% down payment EMI <= 40% of net income Loan tenure <= 15 years Be very wary of under construction properties Term & medical (min. 25L in tier-1) insurance ✅️ Emergency fund of at least 10L ✅️

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LifeAfterFI

@LifeAfterFI

3 years

@dmuthuk Perhaps Bop needs to be told that this is Twitter, not Only Fans.

4

0

176

LifeAfterFI

@LifeAfterFI

5 months

Unpopular opinion: Plenty of Bangalore's startup-scene techies do not have the skills to be employed by large tech firms. Conversely, many large firm employees are deadweight only surviving because it's easier to hide in large haystacks.

11

19

178

LifeAfterFI

@LifeAfterFI

5 months

The fact that someone has 10x or 100x of your net worth does not actually take away anything from your life, accomplishments, desires, or experiences. So you shouldn't let that affect your happiness.

5

11

177

LifeAfterFI

@LifeAfterFI

4 months

An average perfomer who knows to navigate organizational politics (even if not play them actively) will go much further in their career than a high performer who cannot or chooses not to navigate organizational politics. You need not like it. But it's what it is.

14

19

175

LifeAfterFI

@LifeAfterFI

1 year

3 tips for stealth wealth: * Dont post holiday photos on social media * Say you're going on work trip when you go on holidays, especially if you take multiple vacations every year * Live in middle/upper middle class locality in average sized home with average car

13

7

175

LifeAfterFI

@LifeAfterFI

1 year

The only, and I mean literally the only, thing i love about Mumbai is leaving it.

Akshay

@akshaykatariyaa

1 year

Mumbai ❤️

1K

948

7K

13

7

171

LifeAfterFI

@LifeAfterFI

1 year

If you pay home, auto, travel, health insurance premiums for multiple years without ever needing to make a single claim... ... ... ... ... you should consider yourself lucky and not think of it as "money wasted"!

7

10

172

LifeAfterFI

@LifeAfterFI

1 year

This is a complete dumbass move. Credit Card is already linked to PAN so where is the need for any TCS, assuming the intent is to detect tax evasion? Unless this is a way for govt. to get an interest free loan from users of credit cards.

14

42

165

LifeAfterFI

@LifeAfterFI

2 years

If someone pays more income tax in a year than the country's median annual income, follows all rules, and gets little to no benefits in return, then as far as I'm concerned they've done more than their fair share of contribution to the nation & society and owe nothing more.

5

15

165

LifeAfterFI

@LifeAfterFI

1 year

The first thing that strikes me in any developed country, even on my 137th international trip, is just how functional, clean, and livable urban infra is. In contrast, India's largest cities are absolute shitholes despite (or because of?) all the government initiatives.

28

16

166

LifeAfterFI

@LifeAfterFI

2 years

Always amusing to hear people who barely have a net worth of 50L currently explain why 1Cr or 5Cr or 10Cr today "will not be a large sum of money in 20 years". 🤣🤣

14

4

161

LifeAfterFI

@LifeAfterFI

3 years

Dont get married till you have 3 months living expenses saved up. Dont have the first kid till you have 6 months living expenses saved up. Dont have a second kid till you have 12 months living expenses saved up. (Dont have a 3rd kid.)

8

9

163

LifeAfterFI

@LifeAfterFI

1 year

In my 20s, I dreamt of quitting my job to travel the world for a few years. But I didn't have the money and frankly, the guts to. If I did, I doubt I would have been FI in my 40s but probably would have had far more exciting life stories. Moral: Life is about trade-offs.

17

11

164

LifeAfterFI

@LifeAfterFI

1 year

Be it #KarnatakaElectionResults2023 or any other state or LS2024, if you are middle class or above, you're on your own. BJP, Congress, AAP, or any other alphabet soup party does not care about you half as much as they do for their votebanks - the lower middle class and below.

18

27

163

LifeAfterFI

@LifeAfterFI

9 months

Irrespective of how good you are at your white-collar cubicle job, understand this - you are NOT a "rockstar". Rockstars have thousands of fans and many fanatics. You, OTOH, can be replaced by another wage slave within the next month and be forgotten in a week!

8

18

158

LifeAfterFI

@LifeAfterFI

3 years

US/EU/Scandinavia = High taxes, decent benefits Middle East/Singapore = Low taxes, limited benefits India = High taxes, freebies to votebank, 🖕to tax payers No surprise that people detest paying and try to avoid taxes in 🇮🇳.

11

22

158

LifeAfterFI

@LifeAfterFI

4 years

@dmuthuk Don't understand why these kind of people think you owe them tweets only on their preferred topics! There is no subscription fee so you owe nobody anything. If they don't like it, they can unfollow instead of demanding you conform to their world view.

6

0

156

LifeAfterFI

@LifeAfterFI

7 months

"In the absence of strong convictions about what you want from life, you will always default to wanting more money." - @Jack_Raines What a bloody brilliant insight, that! 👏

4

18

155