My Lifestyle in India: Before and during 5-to-5-in-12 program

Here is how my lifestyle in India was and now as I start my journey towards 5-to-5-in-12, I will be cutting back a bit but not too much
My Lifestyle in India

Why talk about my lifestyle in India? Well, the point I wish to make in this page is, I will be working towards my 5-to-5-in-12 goal, without denting my current lifestyle. I will continue to take International holidays, buying the best of products I have been buying and taking days off with family.

What was my lifestyle in India like?

I am a millennial, all of 28 years old. As I said, after 10 years of working all I could manage to save was Rs.5,19,000. Most of this is thanks to my shrewd mother who made nagged me into saving a little bit.

In other words, like most other millennial you meet around my age, I am a gadget freak, watch freak, perfume freak, party freak and travel freak. While I have taken the initiative to start this journey towards my financial freedom, most of my friends are still enjoying themselves worry free of goals.

To give a view of how big a spend thrift I have been:

  • I have a collection of watches that cost me over Rs.2,40,000 in total
  • My perfumes would add up to another Rs.70,000
  • Latest X-Box, Smart watch, $1000 plus phone, Mac, Kindle, 4K premium brand smart TV, you name it, I got it
  • In the past 6 years, I have covered Paris, Thailand, Singapore, China, Sri Lanka, Malaysia and Dubai. Each trip was for a minimum of 8 days to ensure I missed out nothing and enjoyed thoroughly. Not to mention a number of places within India

I am extremely proud of the fact that I accomplished all this on my own, I did not take any money from my parents. What I am not proud of is the fact that, thinking back now, I could have dialed all this down a notch.

To the point

I very well know getting through to my goal of 5-to-5-in-12 is going to be damn difficult. But I will not let this bow me down and start being a stingy miser. I will continue to enjoy a holiday here and there. I will buy the tech I so much love, take my family out for a quality time to upscale places.

What more, I am going to keep you updated on all this. This way I am doing things in moderation. More importantly, I will be proving to myself and the world that it is possible to save little and reach 5-to-5-in-12 while having fun in life.


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Abhi is a 29 yr old Indian, on FIRE to retire by 40. He has been investing and learning Finance for the past 12 years. After completing Mechanical engineering, he started working in a multi-national Bank and grew to become an AVP. Currently with an IT MNC as a VP. He lives in Bangalore with his wife and their 1 year old daughter. In his free time, Abhi loves to game on the Xbox, watch movies, read and blog.

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