Viral: Bengaluru Techie Feels Poor Despite Having 2 Lakh Salary and Zero Debt

While currently many posts are surfacing online while revealing salaries and lifestyles, many are sharing their own experiences of personal finances. Now, a post is going viral where a techie from Bengaluru reveals that he is not happy with his Rs. 2 lakh salary. He is 26 years old. In fact, he feels poor. He also says that he is not holding any debt.

He stated in a post that despite being theoretically financially stable, he is always concerned about his funds and has difficulty enjoying what he has accomplished. He revealed that his household’s monthly earnings never exceeded Rs. 6,000 to 7,000 before he secured his initial employment at 21 years old. Because his family lived in a tiny 10×10 area, his top concern was improving their financial condition. His parents haven’t had to work since he began working in 2021 and he has made sure of it.

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“After I started earning, I made sure my parents stopped working; they are retired now at our home. I moved them into a 2BHK in my hometown and I live in my own 2BHK in Bangalore,” he said. Every month, he invests Rs. 30,000 in mutual funds, then he keeps Rs. 10,000 aside for fixed or recurring deposits, takes additional Rs. 10,000 towards gold savings and he sends Rs. 15,000 to 20,000 to his parents. His rent and other living expenses are around Rs. 25,000.

“Since I started earning in 2021, I have saved Rs. 4 lakh in stocks, Rs. 2 lakh in FDs and about Rs. 2 to2.5 lakh in gold. Plus, I have Rs. 6 lakh just sitting in my salary account,” he stated.

#Rant, Feeling poor: Earning ₹2l a month with ₹0 dept
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u/Cautious-Table158 in
FinancialAdviceIndia

He has all the financial arrangements, but he says that he has his own wedding and it could cost Rs. 10 lakh minimum. He also has some other big expenses on his mind, but he says it is quite difficult to buy them at once.

“At 26, it feels so strange to feel poor despite earning this much. The worst is when I go back to my hometown and see my friends who do manual labour or drive autos. They seem happy and content, and an extra Rs. 1000 makes them feel rich. Years ago, they all had R15, MT or Pulsar bikes, often on loan. With my financial literacy, I never wanted to do that. But even though they were constantly in debt, they bought things, spent money and lived life to the fullest. I don’t understand why I feel so left behind when, on paper, I’m miles ahead of them,” he stated further.