25 Years of Work Remaining :(

I’m lazy. Everyone knows it. Nothing pleases me more than the knowledge that I don’t have to work. I also like money, which is why I have detailed retirement plans to make myself secure for old age. Alas, these two urges – love for money and laziness – contradict each other. If I wasn’t lazy, I would work hard for a few years and enjoy the rest of my life. If I didn’t love money, I wouldn’t work so hard (comparatively) to secure my future. Aaaaah!

Will it Ever End?

Will it Ever End?

My retirement age is set for 55. By that time my savings would be around 6-7 Cr. which would equate to 1 Cr. in today’s value. Meaning I can peacefully live off the interest forever and ever. But…I’m only 30 right now! I have 25 years of work left. Good god! How am I going to stand it? I can’t…I can’t. I have to!

As of now this is my biggest problem in life. A world consuming, day blackening, sitting heavily on my shoulders kind of problem. The only reprieve is the two days I get off every week and then back to the grindstone again. 2 hours every day :( . It’s enough to make me throw my hands up in despair and wonder whether any of this is worth it.

How do others keep silent? Many work far harder than me for longer hours, in more stressful jobs and don’t complain about the years stretching away ahead of them. Am I just lazier than them? Do they not like to think of the future and prefer to just take each day as it comes? Maybe their work is interesting! But few people truly enjoy their work – most do it out of compulsion. So why is it me that complains the loudest?

And these are the best years of my life I’m spending working. No body ache, or joint pain, or weakness. It should be the other way around! These should be carefree happy years with no worries about getting up in the morning, and no pressure. Reality is all screwed up. Is there any wonder I turn to the virtual world for some sanity?

I know what you’re thinking. “Life’s tough bub!” Yeah, don’t I know it. But that doesn’t mean I can’t bitch and groan all the way right? I mean unless people like me take the effort of trying to find a way out and making our lives work free, how will we ever reach that oh-so-highly-desirable state? Maybe one day…one far distant silvery day in the future…we’ll have advanced sufficiently in AI and robotics to have machines grow our food, build houses, and cater to every whim and fancy. Maybe even wipe my butt. Everything will be available in abundance and free since money itself will have no value. But I won’t live to see that shining dawn. Oh woe is me!

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  1. I think I have finally found a brother in you in terms of how I feel about working. Honestly, I work less than a lot of people and still complain about having to work at all. :D Not working is not an option because even though I am not a big spender, I need a sense of future security at all times. I am 29, and want to retire at 45, which may be too soon. My husband and I dont want kids so may be that’s one less financial worry. But I must really create a retirement plan like yours asap.

    Is this your solo financial plan or joint? If it’s solo, man you have already earned a LOT. Any tips to get started on a retirement plan? I don’t know where and how to begin. :(


    • In reply to madetomisfit

      Lazy people unite!

      Currently my financial plan is solo. My wife has her own savings and we keep them separate. I presume you’ve already seen my latest progress? This post we’re commenting on is 2 years old. Here’s the update for 2015: http://www.bhagwad.com/blog/2015/personal/financial-matters/my-net-worth-hits-50-lakhs-retire-in-3-years.html/

      As for tips…not sure where to start. For me, it doesn’t get simpler. Save as much as possible and shovel money into mutual funds and the stock market. You can see from the screenshots which funds I use…


      • In reply to bhagwad

        Yep yep. Read your latest post (and am super-impressed) and came here from there. So far I have been just saving money in my savings account, which is pretty much useless in terms of benefits. I really need to learn a bit about mutual funds. Should be a better starting point than shares for me I guess, given that I know nothing about the stock market (or mutual funds for that matter).


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