🚨 for young professionals

Track your monthly expenses & build an emergency fund ~12 months of expenses.

Why should you listen to me?

I've lived the start-up dream life. Went from 3 LPA to 25 LPA in 5 years and then >40 LPA in another 2 years. Constantly the top decile performer, and lucky to grow like it.

Then switched a job. Didn't work out, so switched again within a year. Even that didn't workout for reasons outside my control (at least partially) so had to leave within 2 years. And now roughly half a year since I left my last org, I have made it through to only a handful interviews. Radio silence at mention of CTC.

Yes, the world is changing. Yes, mid-senior roles are shrinking. And yes, I need to upskill. But I never thought finding a job would be this difficult and time consuming. This could be anyone. I know you don't think this can happen to you, I thought the same. It's the same volatility for start-ups and established orgs alike today.

Put that money aside. For your sake, for you loved ones' sake. It's okay even if you never need to touch it, I hope you don't. But better safe than sorry. Dealing with unemployment and constant rejections is stressful enough. The last thing you need is the weight of monthly bills as top ups.

I can't thank my stars enough to have been sensible and put the amount aside. It's the only thing saving my sanity.

P.S. if you have some family responsibilities (money you need to send your parents/siblings) increase the cushion proportionately. It's important, speaking from experience.