In a world where people flaunt big paychecks and still complain about being broke, one Bengaluru techie decided to lay it all out—his numbers, his lifestyle, and his mindset. His Reddit post quickly caught attention because it wasn’t another “I make 50 LPA and still can’t save” rant. Instead, it was a refreshingly honest look at how a couple earning Rs 2.1 lakh a month can live simply, stay debt-conscious, and still feel at peace.
The techie, who lives in Bengaluru with his wife and child, shared that despite their combined take-home of Rs 2.1 lakh per month, they often end up with very little left by month-end. But unlike many others online, he’s not complaining. Their expenses, he explained, are rooted in long-term goals and family priorities rather than impulsive spending.
Their monthly breakdown says it all. Fixed costs include a home loan EMI of Rs 61,000 with 44 EMIs left, Rs 50,000 towards PPF and Sukanya Samriddhi Yojana (for self, wife, and kid), school fees of Rs 14,000, and household help costs like maid (Rs 3,000) and cook (Rs 4,000). They also contribute Rs 10,000 to SIPs every month.
Variable expenses—groceries, bills, OTT subscriptions, and eating out—come to around Rs 45,000, with fuel adding Rs 4,000 and other miscellaneous expenses roughly Rs 10,000. By the end of it, the couple usually has just Rs 10,000–15,000 left, depending on how the month goes.
Still, their goal is clear: they want to be completely loan-free by their early 40s. The couple prefers financial security over flashy upgrades. Their 10-year-old car still serves them well, and they’ve skipped luxuries like new gadgets or international vacations until the home loan is paid off. Both come from middle-class families that valued saving over the “YOLO” mindset, and that upbringing still shapes how they manage money today. The next steps on their list are to get comprehensive health insurance and gradually increase SIP contributions—small, steady moves toward long-term stability.
He summed it up best in his post: they may not have much left at the end of the month, but they’re content, debt-aware, and steadily inching toward freedom from loans. For them, peace of mind isn’t about how much is left in the bank—it’s knowing they’re living within their means and building a secure future.
Internet reacts
Several Reddit users responded with a mix of concern and appreciation for the techie’s post. Some pointed out that not having health insurance yet was risky financial planning, especially with potential waiting periods for pre-existing illnesses. Others noted that many companies already provide insurance coverage without such waiting times.
A few users praised the couple’s balanced approach, saying they seemed to be managing well given their income, home loan, and child. They contrasted this with younger earners who go broke due to avoidable lifestyle expenses. Many also appreciated the honesty of the post, calling it a refreshing change from online flex culture. Some advised prioritising health and term insurance, emphasising how vital it is when there’s a family and financial liabilities involved.
The techie, who lives in Bengaluru with his wife and child, shared that despite their combined take-home of Rs 2.1 lakh per month, they often end up with very little left by month-end. But unlike many others online, he’s not complaining. Their expenses, he explained, are rooted in long-term goals and family priorities rather than impulsive spending.
Their monthly breakdown says it all. Fixed costs include a home loan EMI of Rs 61,000 with 44 EMIs left, Rs 50,000 towards PPF and Sukanya Samriddhi Yojana (for self, wife, and kid), school fees of Rs 14,000, and household help costs like maid (Rs 3,000) and cook (Rs 4,000). They also contribute Rs 10,000 to SIPs every month.
Variable expenses—groceries, bills, OTT subscriptions, and eating out—come to around Rs 45,000, with fuel adding Rs 4,000 and other miscellaneous expenses roughly Rs 10,000. By the end of it, the couple usually has just Rs 10,000–15,000 left, depending on how the month goes.
Still, their goal is clear: they want to be completely loan-free by their early 40s. The couple prefers financial security over flashy upgrades. Their 10-year-old car still serves them well, and they’ve skipped luxuries like new gadgets or international vacations until the home loan is paid off. Both come from middle-class families that valued saving over the “YOLO” mindset, and that upbringing still shapes how they manage money today. The next steps on their list are to get comprehensive health insurance and gradually increase SIP contributions—small, steady moves toward long-term stability.
He summed it up best in his post: they may not have much left at the end of the month, but they’re content, debt-aware, and steadily inching toward freedom from loans. For them, peace of mind isn’t about how much is left in the bank—it’s knowing they’re living within their means and building a secure future.
Internet reacts
Several Reddit users responded with a mix of concern and appreciation for the techie’s post. Some pointed out that not having health insurance yet was risky financial planning, especially with potential waiting periods for pre-existing illnesses. Others noted that many companies already provide insurance coverage without such waiting times.
A few users praised the couple’s balanced approach, saying they seemed to be managing well given their income, home loan, and child. They contrasted this with younger earners who go broke due to avoidable lifestyle expenses. Many also appreciated the honesty of the post, calling it a refreshing change from online flex culture. Some advised prioritising health and term insurance, emphasising how vital it is when there’s a family and financial liabilities involved.
You may also like
Trump and Zelenskyy set to discuss military aid, possible Tomahawk cruise missiles — How their relationship has evolved
TN govt will enact legislation against honour killings, says CM Stalin
'Like a movie': Cop saves drunk woman from a fiery car crash – Caught on cam
Supreme Court upholds promotion of Chandigarh DSP Ram Gopal to SP rank
Samantha Ruth Prabhu warns this social media glimpse can demotivate you: “Their vacations, homes, yachts…”
