Founder shares his success routine: ‘3 cups of coffee, ice bath'; ‘Is he working in a kitchen?' quips netizens
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Economic Times
3 hours ago
- Economic Times
Rs 3.2 lakh monthly income, no home yet: Is a Rs 32 lakh car too much?
Synopsis A Reddit post sparked debate after a financially stable young couple earning Rs 3.2 lakh monthly considered buying a Rs 32 lakh luxury car, despite not yet owning a home. While they had solid savings and investments, many users advised against prioritizing a depreciating asset over real estate or long-term goals like family planning. Cautioning about hidden costs, poor road conditions, and limited tax benefits, commenters suggested aligning the car budget with income benchmarks or opting for a more modest vehicle, recommending instead to focus on wealth-building and future security. Couple Plans Rs 32 Lakh Car Purchase Without a House As rising incomes reshape the lifestyle aspirations of young professionals in India, big-ticket purchases like high-end cars are increasingly seen as attainable. However, these decisions often raise difficult questions about long-term planning and financial prudence. Is it wise to splurge on a luxury car before owning a home or securing other essentials? This dilemma recently took centre stage on Reddit, where a financially stable couple questioned whether purchasing a Rs 32 lakh car would be a sound decision at their stage in the post, a 30-year-old man shared that he and his wife, both working in the IT consulting sector, bring home a combined Rs 3.2 lakh per month. Their monthly expenses, which include vacations, family support, and daily needs, average around Rs 1.7 lakh. Financially, they appear well-prepared, with Rs 15 lakh in savings, Rs 22 lakh in mutual funds, and Rs 45 lakh in provident funds. They also maintain a Rs 30 lakh health insurance policy. Although they currently rent and do not own property, they hope to buy a home within the next decade. With no children yet, but plans to start a family next year, the poster explained that he was drawn to a car priced at Rs 31–32 lakh on-road, and is considering making the purchase next year after accumulating more savings for a higher down response from Reddit users was largely cautious. Many highlighted the risk of investing in a depreciating asset like a car over appreciating assets like real estate. Some urged the user to prioritise home ownership, pointing out that a property not only builds equity but also gains value over time. One commenter even stated plainly that buying a Rs 32 lakh car without a house should be ruled out offered practical benchmarks, suggesting that car purchases should ideally not exceed six months' worth of take-home salary—in this case, approximately Rs 19–20 lakh. Anything significantly beyond that was seen as financially risky, especially considering job market uncertainties and future obligations like raising a users weighed in on the question of whether to buy the car outright or through a loan. Some argued in favour of financing, saying that with vehicle loan interest rates generally ranging from 7–12%, the remaining funds could be invested in mutual funds, which historically offer better long-term returns. However, others pushed back, cautioning that salaried individuals don't benefit from the same tax deductions on vehicle loan interest as businesses do, and investment gains are still the purchase price, commenters also brought attention to the ongoing costs of owning a premium vehicle. Higher insurance premiums, servicing charges, and repair expenses were flagged as important considerations. Several users also pointed out the poor road conditions in many Indian cities and the potential for frequent vehicle wear and tear—factors that could further diminish the value of an expensive respondents suggested buying a smaller, more affordable car under Rs 10–12 lakh and investing the remaining money into long-term goals such as a child's higher education or eventual home interiors. ( Originally published on Aug 02, 2025 )
Time of India
11 hours ago
- Time of India
Founder shares his success routine: ‘3 cups of coffee, ice bath'; ‘Is he working in a kitchen?' quips netizens
A startup founder recently found himself at the center of online ridicule after showcasing his meticulously planned early-morning routine on LinkedIn. Meant to inspire others with a glimpse into his personal path to productivity, his elaborate schedule ended up becoming a trending topic on the subreddit LinkedIn Lunatics, where users mocked its excessive detail and apparent to the now-viral post, his day starts at 5:30 a.m., kicking off with a short walk outdoors to get some sunlight. This is immediately followed by breathing exercises, a mixture of lemon juice and Celtic sea salt, and an electrolyte drink. He then reportedly enters a sauna for ten minutes before having his first cup of coffee. A brief but intense ice bath is next, lasting up to six minutes, succeeded by a half-hour workout. Another cup of coffee follows, then a shower, and finally dressing up for the heading to the office, he claims to jot down his goals and review all his financial accounts. By 7:50 a.m., he's sipping on his third coffee of the morning while listening to an audiobook. He reaches his workplace at 8 a.m., and just five minutes later, eats breakfast—a combination of eggs, avocado, pink Himalayan salt, more electrolytes, and yet another cup of coffee. At 8:15 a.m., he sits down to check his schedule and prepare for the the post, the entrepreneur explained that this highly structured routine is the secret behind his peak performance and clarity of mind. He emphasized that self-discipline, consistency, and repeatable habits are the backbone of lasting Reddit users weren't buying it. Many took to the comments section to lampoon his day-to-day schedule. One joked that the founder must be working directly from his kitchen, considering how quickly he transitions from office arrival to cooking breakfast. Another commenter playfully analyzed his ritual involving both Celtic and Himalayan salts, saying one comes before checking his bank accounts and the other afterward—suggesting he might be trying to balance more than just minerals. Others questioned the need to scrutinize finances daily, hinting that such frequent checks could signal insecurity rather than thread quickly turned into a light-hearted roast, poking fun at the founder's quest to turn routine into a performance.
NDTV
12 hours ago
- NDTV
"No IIT, No MBA": Techie's Journey From Rs 26 Lakh To Rs 70 Lakh Salary Stuns Internet
Indian professionals and techies frequently share their career journeys on platforms like LinkedIn and Twitter, offering a glimpse into their triumphs and setbacks. These personal and relatable stories often resonate with others, providing valuable insights and inspiration. Recently, a software engineer caught the attention of social media users after he shared that he increased his salary from Rs 26 lakh per year to Rs 70 lakh through just two job switches. In a now-viral tweet, Saurabh Yadav mentioned that he achieved success without having an IIT degree or an MBA, and highlighted the role of hard work. The tweet resonated with many, challenging the notion that top-tier institutions are the sole path to high-paying jobs. '"First job: ₹26LPA, second: ₹28LPA, third: ₹70LPA, no IIT. No MBA. Just worked hard. What about you?", he wrote. See the tweet here: first job: ₹26LPA second: ₹28LPA third: ₹70LPA no IIT. no MBA. just worked hard. what about you? — Saurabh ✧ (@saurabhyadavz) August 3, 2025 The tweet sparked a flurry of comments, with many users expressing curiosity and asking questions. Many inquired about the domains he worked in, his negotiation strategies, and the skills that contributed to his growth. The post resonated with many, particularly those without IIT or MBA backgrounds, who found his journey inspiring and a testament to the power of dedication and perseverance. One user wrote, "Good luck with your future endeavours! These are big achievements." Another commented, "Just working hard with each passing day. Every time I convert it, it converts into a failure. Every time sit at the table and chair increases my efforts. Same result again and again. If possible, then guide me right now, most confused between what to do and what not to do." A third said, "Great, congratulations. Stay grounded and humble and spend and invest wisely!" A fourth added, "Wow, that's inspiring."
