24-year-old Bangalore techie asks for a financial roast about his spending but gets respect instead

In a candid post on Reddit, a 24-year-old working professional from Bangalore opened up about his financial lifestyle, asking fellow users for a reality check—or a roast. With over three years of experience in the industry, he currently takes home Rs 1.3 lakh a month and is consciously balancing enjoying his life with staying financially disciplined.

Here’s how he breaks it down: Rs 25,000 goes towards rent for a 1BHK apartment—an expense he justifies by his strong preference for solitude. He sends Rs 20,000 home every month and spends another Rs 15,000 on daily essentials like food and commute. Personal indulgences like gadgets, clothes, and weekend plans take up Rs 20,000, while a solid Rs 50,000 is funnelled into investments.

His portfolio includes Rs 2.5 lakh in mutual funds, Rs 3 lakh in direct equity, Rs 50,000 in digital gold, and Rs 2.05 lakh in EPFO. That adds up to about Rs 8 lakh in savings and investments. He proudly shared that he has no debt, loans, or EMIs, and he tracks his spending daily.

Reflecting on his journey, he revealed that he had been earning just Rs 60,000/month for the past three years, during which he still sent Rs 20,000 home and invested Rs 20,000—leaving him with little for himself. Now that he’s earning more, he’s finally allowing himself to “live a little” without guilt.

From cooking his own meals to managing expenses solo, he’s clearly someone who values both financial freedom and personal space. And while he opened the floor for roasting, the internet mostly responded with admiration, saying he’s doing better than most and striking a healthy balance between saving for tomorrow and living for today.

Internet reacts

Internet reacts Redditors largely praised the 24-year-old's financial planning, with many saying he was doing great for his age. A few pointed out areas for improvement, suggesting he should get both health and term insurance if not already covered by his employer. Others advised using a portion of his income—about 20–30%—to build passive income, either through a side business or outsourcing help to work on a personal project.

Some felt Rs 20K a month on personal splurges was a bit much, recommending he redirect some of that towards travel or self-learning. Others flagged missing details like an emergency fund, health and term insurance premiums, or fixed deposits. A few even questioned the Rs 20K shopping spend and encouraged increasing his investment rate beyond 50% of salary. Overall, the consensus was clear: he’s on a solid track, but there’s still room to optimise for long-term goals.