Financial
Immediate Goal: Land a Better Job
Target: 1L+/month. Land by June 2026.
This is priority number one. Everything else builds on top of stable income.
What needs to happen first:
- AZ-104 certification (before March)
- LeetCode problems solved (interview prep)
- Go projects and open source contributions on GitHub
- Resume and LinkedIn updated
Target roles: Senior DevOps, Platform Engineer, Cloud Engineer, SRE.
Budget: 50-30-20 Rule
- 50% Needs: Rent, food, utilities, transport, insurance
- 30% Wants: Entertainment, dining, hobbies
- 20% Savings: Emergency fund, SIPs, goal-based savings
Investment
Step 1: Emergency fund. 6 months of expenses in liquid funds. Do not invest in equities until this is done.
Step 2: Regular investing from the 20% savings:
| Asset | Allocation | Purpose |
|---|---|---|
| Mutual fund SIPs (index + midcap) | 40% | Long-term wealth |
| Stocks | 30% | Growth |
| Fixed deposits / debt funds | 20% | Stability |
| High-risk (crypto, etc.) | 10% | Speculative |
Start SIPs at 5-10k/month. Increase as income grows.
Masters Fund
Target: 30-50L by mid-2028.
Cost reference (USA): Tuition 40-60L + living 20-30L + misc 5L = 65-95L total. Gap covered by education loans, scholarships, and RA/TA positions.