Post
Career Advice
1mo (edited)
a deputy manager
DINK (Double Income, No Kid) Couple, best investment tactic I've heard in a while🔥
Met a Bangalore couple yesterday, both 36, earning a combined ₹4.5L/month.
Here’s how they’re playing the long game:
▪️Rent: ₹40K/month for a premium pad — no EMIs, no liabilities
▪️SIPs: ₹1.5L/month → that’s ₹18L/year
▪️Gold: Buying 10g every year (~₹65K)
▪️Savings rate: 50%+ (₹2.25L+ every month saved!)
At this pace, they’re investing over ₹27L every year.
By age 50, they’ll have ₹7.5 crore+ (assuming just 10% CAGR).
And that’s without counting bonuses, hikes, or gold value appreciation.
Retirement at 50?
Not a dream.
A spreadsheet-backed plan. ✅
The only negative side is, they won't have any kids to spend this money on :(
Comments
Popularity
an executive
1w
Kids or not, at least they won’t be financially dependent on theirs. This is how freedom’s built, discipline > drama. Retire early, live fully.
boredinlife
1mo
works at
kids do bring some extra meaning to life, sure, money can buy freedom, but those sleepless nights also have their own priceless memories.
a deputy manager
author
1mo
[boredinlife](username) yeah but budhaape me Sahara kon banega fir
a senior executive
1mo
[a deputy manager](username) Bhai fit rehna suru karo .....aur kamao sab sahara mil jayega...
BTW are you planning for kids?😉😉😉
a deputy manager
author
1mo
[a senior executive](username) chahe jitna fit reh lo dost, old age se koi nhi bach sakta
a senior executive
1mo
[a deputy manager](username) aree paise fekh tamasha dekh suna hai....paisa kamao sahar dene wale bahot mil jayenge!
a deputy manager
author
1mo
[a senior executive](username) haha ye baat bhi sahi hai
View 2 more replies
raspberryscooby
2w
works at
Life is anyway meaningless - until one set some meaning to it ...
a deputy manager
author
2w
[raspberryscooby](username) are philosopher saab
an executive
3w
honestly this is goals, no EMIs, high SIPs, gold for safety, clean strategy. kids or not, financial freedom at 50 sounds like a solid win to me 💯
a senior software engineer
1mo
Itna sasta sona khan mil raha hai mujhe bhi chahiye
shrunkencorn
1mo
[a senior software engineer](username) mistake hogi, 100gm 65 hazar me
a deputy manager
author
1mo (edited)
@shrunkencorn i meant 10g, edited now
jackfruitt
1mo
works at
[a deputy manager](username) drr hi gaya tha mai too
View 1 more reply
johnwick52525
1mo
works at
This plan solely works on loyalty and trust between partners, and loyalty is the major concern in today’s highfi life.
a deputy manager
author
1mo
[johnwick52525](username) that’s true though
View 1 more reply
intoxicatingdove
1mo
works at
If you don't have kid..that doesn't mean the meaning of life.... earning too much now at the end whom they want to give....they just not moving their generation
a deputy manager
author
1mo
[intoxicatingdove](username) moving their generation is not mandatory though considering our population at the moment
dkdhere
1mo
works at
After 40, they won't have a life... Just money to spend but no life.. Happy outside.. empty inside
a deputy manager
author
1mo
[dkdhere](username) how can you be so sure?
productingligr
1mo
works at
I am also a part of the DINK couple, don’t want kids, don’t like them. We are happy with my life my way
a deputy manager
author
1mo
[productingligr](username) budhape ka kya socha h fir
helpfulcrab
1mo
works at
We are looking for urgent software Engineer jobs
Call Aishwarya Ma'am number - 7066165593 , 7066147637 for more information about the jobs
chaatuemployee
1mo
works at
DINK concept is bad I feel.
where will you spend this much money.
livelyquirky
1mo
works at
[chaatuemployee](username) better than spending on no return methods
appetizingbatman
1mo
currently not working
What if death comes between any of these two before the age 50?.
a deputy manager
author
1mo
[appetizingbatman](username) Bhagwan Jane fir to
stackarchitect
1mo
ex -
Krenge kya uss paise ka ? Budhape mai jbb bimari se bhara body hoga to either you earn for next generation or the current one(ourselves)
brucewayne
1mo
works at
Makes so much sense . You can enjoy life by exploring the world
a deputy manager
author
1mo
[brucewayne](username) and in old age you can die alone
cryptical
1mo
works at
God forbid but if one of the partners dies then it is going to be a depressing life.
a deputy manager
author
1mo
[cryptical](username) probably they haven't thought about it yet?
article368
1mo
Will fit for TG couple
a deputy manager
author
1mo
[article368](username) what is a TG couple?
vigneshwaranm
1mo
works at
This is their own life, and they will also think about the children in general who are thinking about these things.
a deputy manager
author
1mo
[vigneshwaranm](username) yes maybe they will adopt in future
human1
1mo
You failed to do basic search before creating this post, right ? 10 gram gold rate is 98k rupees and above based on other cities. How come you are calculating 10 gram gold at 65k? Moreover 1.5 lakh per month sip is not even possible. A couple doing 4.5 lakh each job means 9 lakh in total earning combined. How can they invest double of what they are earning? 0 real sense. Just hype and dumb culture
a deputy manager
author
1mo
[human1](username) 4.5 lakh combined monthly income h chacha, comment krne se phle padh to lia kro dhang se
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