In a Reddit post, a 36-year-old man from North Delhi shared how losing his job may have been a blessing in disguise โ thanks to solid financial planning and steady passive income.
โI really donโt want to go back to my job anymore,โ he wrote, explaining how his previous role caused extreme stress and even nightmares. With a supportive family behind him and a secure financial setup, heโs choosing not to re-enter the workforce.
The Redditor lives with his wife, daughter, mother, and has a second child on the way. His familyโs monthly expenses โ including groceries, utilities, school fees, medical, outings, and travel โ total around โน85,000 to โน90,000.
Despite the job loss, his passive income from various assets comfortably covers his needs:
- โน1.2 lakh/month from seven rental properties
- โน40,000โโน45,000/month in dividends from a โน2.5 crore portfolio
- โน6,000/month from fixed deposits and bank interest
In total, he generates โน1.5โโน1.6 lakh per month, giving him a strong buffer.
He also holds โน65โ70 lakh in cash, of which โน15โ20 lakh is set aside for health emergencies and childbirth expenses. The rest will go toward completing payment for three under-construction properties worth โน1.5 crore โ with โน80 lakh still pending over the next 2โ3 years.
While heโs considering cutting back on discretionary expenses like travel and school fees, he says the family is largely at peace. His wife is relieved that he will now be more present at home, and his mother encourages him by saying, โJo hua acche ke liye hua.โ
The post has resonated with thousands online, offering a grounded example of life after layoff โ without panic, without debt, and without rushing back into burnout.