For most salaried individuals, nothing triggers panic quite like suddenly losing their job. But one man from Delhi has shown that it doesn’t have to be that way, if you have planned your investments mindfully. While sharing his experience on Reddit, this 36-year-old man mentioned that despite being married with one kid and one on the way, he escaped the rat race at ease and laid out his finances clearly to choose peace over stress.
He is giving us a strong example of what smart planning and clear priorities can achieve. Here’s what he has done:
Opted for Income Generating Assets Over Instant Gratification
In his post, he mentioned that this wealth is not something that came to him as luck, but it’s the outcome of consistent, thoughtful investing, with a focus on building assets that provide regular income instead of chasing quick rewards.
His income-generating assets include:
- Seven Rental Properties: These properties collectively generate ₹1.2 lakh/month, with rental appreciation of 4–5% annually
- A ₹2.5 Crore Stock Portfolio: This strong portfolio earns him ₹40–45 k/month via dividends
- Fixed Deposits: With multiple FDs, he also added another ₹6 k/month from a ₹12 lakh investment
With these income-generating assets, he earns a total passive income of ₹1.5–1.6 lakh/month.
Smart and Purposeful Cash Reserves
Apart from his investments in assets, he also keeps ₹65–70 lakh in cash for rainy days, health needs, and keeping in mind the expenses related to a newborn. The rest is planned for upcoming property payments worth ₹80 lakh over the next 2–3 years.
Instead of letting this money sit unused, he sees it as a safety net, money kept aside with a purpose, giving him peace of mind in uncertain times.
Budget with Dynamic Adjustments
In his Reddit post, he mentioned that his family expenses hover between ₹85–90 k/month, covering essentials plus lifestyle needs. But he is not rigid about the budget and provides a room to breathe by remaining flexible: willing to trim discretionary costs like travel temporarily.
Carrying Debt with Control
He still holds debts for the properties, but has already paid 45% and structured repayment carefully. However, post his job loss, he hasn’t taken on any new debt and has focused on handling his current financial commitments carefully and responsibly.
The Fear of NOW WHAT?
No matter how planned his future is, he still feels calm and anxious at the same time and questions himself: “Am I really free, or am I fooling myself?”
His good health, strong family support, and built-up assets give him a stable foundation, but one big question still lingers: What Comes Next?
It shows a simple truth: Financial freedom gives you choices, but it doesn’t always make the next step clear.
But his story isn’t about escaping from the job or being dependent on the money management, but it’s about constructing choices. He’s not running away; he’s choosing a different path, at least for now. And that’s a powerful model for anyone who wants to build a life out of daily job hustles.
Read More: Can ChatGPT Be Your Budget Coach?
