Bengaluru techie with Rs 80 lakh net worth confused between- saving and retiring early or quitting job and travelling

Techie, 25, earning well in Bangalore, and sitting on a cool Rs 80 lakh net worth. On paper, life looks sorted—no siblings to worry about, parents are stable, and his home loan is almost done. But here’s the twist: after an eight-year live-in relationship ended, the whole “grind now, retire early, sip cocktails in Bali later” plan started feeling… meh. Suddenly, traffic jams, endless Zoom calls, and chasing promotions lost their charm.

Back then, he was full-on FIRE (Financial Independence and Retire Early)—SIPs, RSUs, NPS, prepaying loans, tracking every rupee. Life was about discipline, numbers, and building that early exit plan. Now, though, he’s exploring a different rhythm: travelling more, meeting free-spirited folks who live out of backpacks, and feeling a pulse of freedom he’d never noticed in tech life.

Now he’s torn. One side urges him to stay disciplined and secure financial independence early, while the other nudges him to embrace being 25, healthy, and curious—maybe it’s time to pause, roam, explore, and simply enjoy life. Some days he imagines working remotely with a startup, other days he dreams of quitting for a few months just to wander. The real challenge isn’t just about money; it’s about finding that sweet spot where adventure meets stability and life feels truly alive.

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A 26-year-old with a net worth of around Rs 65 lakh, coming from a Tier 3 college and a middle-class family, has ticked off most childhood dreams—travelling to over 10 countries, skydiving, deep diving, Disney World, the world’s fastest roller coaster, 11-day treks, and fine dining. After discovering his 1.5-year relationship ended due to cheating, he’s lost interest in everything. Working from home since the start of his career, with few friends, he questions the point of working, though he could live frugally on his savings and inheritance.

One user encouraged him by saying it’s not the "end of your life" and that he still has so much to live for. They suggested going out, travelling, and enjoying what he has earned. The focus, they said, should be on creating memories, because ultimately, those are the things he will carry with him to his grave.

Some users chimed in with questions and observations about the situation. One asked about the person’s CTC and take-home salary, and how long they had been working at Amazon to accumulate Rs 80 lakh by age 25. Another pointed out that it doesn’t quite make sense to them either, sharing an example of an SDE2 at Amazon who has been there since college. That colleague is extremely frugal—so much so that he doesn’t even buy himself a chai—and yet has managed to save around ₹40 lakh.

A third perspective offered a broader reflection on life choices. They suggested that even if someone had, say, Rs 20 crore, travelling for a few months is enjoyable, but the question is what comes after that. They emphasised the importance of living a balanced life, dedicating time to money, family, and health. When it comes to money, they advised either finding a passion that drives it or accepting your current path and making the most of it.