你每月的工资是怎么花的（二）
正文翻译
How do you spend your monthly salary?
你每月的工资是怎么花的?
How do you spend your monthly salary?
你每月的工资是怎么花的?
评论翻译
Anonymous
Just got my salary yesterday. Became really happy as it's my first salary.
Let me tell you what I do:
I am in my final year of graduation. A month ago, I went to hunt for job because my family situation is really critical. We are in huge debt, it all started 12years ago. I must say my family is in debt because of me, they always wanted to put me in English medium school. So they did it even they were poor. They put in one of the best school of your town. And after my high school was over, I really wanted to do a job but they didn't let me do it as they thought it might harm my studies. But now it has become too huge, my college is in city so the expense is really high. I was not able to pay the rent so I requested my friend to let me stay with him in his house, and he allowed that.
昨天我刚拿到工资。我真的很高兴，因为这是我的第一份薪水。
让我告诉你我是怎么花的:
我正处于毕业前的最后一年。一个月前，因为我的家庭情况非常危急，我们负债累累，所以我去找工作，这一切始于12年前。我必须说我的家人因为我而负债，他们一直想让我上说英语的中学。所以即使他们很穷，他们也这么做了。他们让我进了镇上最好的学校之一。高中毕业后，我真的很想找份工作，但他们不让我这么干，因为他们认为这可能会影响我的学业。但现在找工作变得必要了，我的大学在城里，所以费用真的很高。我付不起房租，所以我请求我的朋友让我住在他家里，他答应了。
Just got my salary yesterday. Became really happy as it's my first salary.
Let me tell you what I do:
I am in my final year of graduation. A month ago, I went to hunt for job because my family situation is really critical. We are in huge debt, it all started 12years ago. I must say my family is in debt because of me, they always wanted to put me in English medium school. So they did it even they were poor. They put in one of the best school of your town. And after my high school was over, I really wanted to do a job but they didn't let me do it as they thought it might harm my studies. But now it has become too huge, my college is in city so the expense is really high. I was not able to pay the rent so I requested my friend to let me stay with him in his house, and he allowed that.
昨天我刚拿到工资。我真的很高兴，因为这是我的第一份薪水。
让我告诉你我是怎么花的:
我正处于毕业前的最后一年。一个月前，因为我的家庭情况非常危急，我们负债累累，所以我去找工作，这一切始于12年前。我必须说我的家人因为我而负债，他们一直想让我上说英语的中学。所以即使他们很穷，他们也这么做了。他们让我进了镇上最好的学校之一。高中毕业后，我真的很想找份工作，但他们不让我这么干，因为他们认为这可能会影响我的学业。但现在找工作变得必要了，我的大学在城里，所以费用真的很高。我付不起房租，所以我请求我的朋友让我住在他家里，他答应了。
Now working in a small startup. My salary is rs11,000. I went through a training for 2 weeks, which was unpaid. Yesterday, I got my salary 7500rs.
Send 1500rs to my friend from whom I have borrowed money to met city's expenses and also 500 to my roommate as borrowed money.
Have 500rs to local hotel owner for giving credit on food.
Send 2500rs to my family back in town. Through its very little but still.
Left with 2500, planning to buy college books second hand worth 1300rs(4books).
So 1200rs will be left to meet this month expenses.
I think I have learned so far that, stay happy whenever you are or in which situation you are. As someone like me might be dreaming to have a life like you. Period
现在在一家小型初创公司工作。我的工资是1.1万卢比。我参加了为期两周的培训，但没有报酬。昨天，我拿到了7500卢比的薪水。
寄1500卢比给我的朋友，之前我向他借了钱才支付了在城市的费用，也还给我的室友500卢比。
给当地旅馆老板500卢比支付赊欠食物费用。
给住在城镇的家人寄2500卢比，尽管这个数目很少，但还是寄了。
剩下2500卢比，计划购买价值1300卢比（4本）的二手大学书籍。
因此，1200卢比将用于支付本月的开支。
我想到目前为止，我已经学会了，无论你在什么时候，或者在什么情况下，都要保持快乐。因为像我这样的人也梦想着拥有像你这样的生活，就这些。
Send 1500rs to my friend from whom I have borrowed money to met city's expenses and also 500 to my roommate as borrowed money.
Have 500rs to local hotel owner for giving credit on food.
Send 2500rs to my family back in town. Through its very little but still.
Left with 2500, planning to buy college books second hand worth 1300rs(4books).
So 1200rs will be left to meet this month expenses.
I think I have learned so far that, stay happy whenever you are or in which situation you are. As someone like me might be dreaming to have a life like you. Period
现在在一家小型初创公司工作。我的工资是1.1万卢比。我参加了为期两周的培训，但没有报酬。昨天，我拿到了7500卢比的薪水。
寄1500卢比给我的朋友，之前我向他借了钱才支付了在城市的费用，也还给我的室友500卢比。
给当地旅馆老板500卢比支付赊欠食物费用。
给住在城镇的家人寄2500卢比，尽管这个数目很少，但还是寄了。
剩下2500卢比，计划购买价值1300卢比（4本）的二手大学书籍。
因此，1200卢比将用于支付本月的开支。
我想到目前为止，我已经学会了，无论你在什么时候，或者在什么情况下，都要保持快乐。因为像我这样的人也梦想着拥有像你这样的生活，就这些。
Anonymous
I make 145000/- pm after tax
Married , 27 year old, with one daughter. Have ~6 years of experience as software engineer. working in a normal organisation ( not hyped ). I live in gurgaon . Changed 4 companies to reach this fiagure. I started 10,000 per month.
12500 goes as rent as i live outside of city.
6–7k to electric bills and maintenance.
2000 for maid.
I own car, but no loan. I use only when someine else from family with me. Fuel : 4–5k pm
I own activa which i use for daily commute.2k pm
15000 for roughly expense of month for groceries eating out etc.
1000 internet charges. 2500 for tv for six months
我税后是每月14.5万。
已婚，27岁，有一个女儿。拥有约6年的软件工程师经验。在一个正常的组织工作（不是炒作）。我住在古尔冈（新德里的卫星城），换了4家公司才达到这个收入，我开始是每月1万卢比。
我住在城外的租金是1.25元。
电费和生活费用为6000到7000卢比。
女佣费用2000。
我有车，但没有贷款。只有家人和我在一起时，我才用用。燃料费用：每月4000到5000卢比
我拥有一辆用于日常通勤的活动车，每月2000卢比的费用。
每月大约1.5万卢比用于食品杂货等。
网费：1000；半年电视费用：2500卢比
I make 145000/- pm after tax
Married , 27 year old, with one daughter. Have ~6 years of experience as software engineer. working in a normal organisation ( not hyped ). I live in gurgaon . Changed 4 companies to reach this fiagure. I started 10,000 per month.
12500 goes as rent as i live outside of city.
6–7k to electric bills and maintenance.
2000 for maid.
I own car, but no loan. I use only when someine else from family with me. Fuel : 4–5k pm
I own activa which i use for daily commute.2k pm
15000 for roughly expense of month for groceries eating out etc.
1000 internet charges. 2500 for tv for six months
我税后是每月14.5万。
已婚，27岁，有一个女儿。拥有约6年的软件工程师经验。在一个正常的组织工作（不是炒作）。我住在古尔冈（新德里的卫星城），换了4家公司才达到这个收入，我开始是每月1万卢比。
我住在城外的租金是1.25元。
电费和生活费用为6000到7000卢比。
女佣费用2000。
我有车，但没有贷款。只有家人和我在一起时，我才用用。燃料费用：每月4000到5000卢比
我拥有一辆用于日常通勤的活动车，每月2000卢比的费用。
每月大约1.5万卢比用于食品杂货等。
网费：1000；半年电视费用：2500卢比
~ 43–45k per month i spend max.
Save 80–100k per month in
PPF : 150000 per year 12,500 per month
LIC : 50000 per year 25000 half yearly
mutual funds 1k per month
Rest is locked in account, exploring others ways to save.
And I have an emergency funds of 12 months expenses, which i saved over 2 years.
Approx 45000 pm X 12 = 5,40,000
1,60,000 extra for extreme emergencies.
It's good to have money and the things that money can buy, but it's good, too, to check up once in a while and make sure that you haven't lost the things that money can't buy.
I urge ever person to create an emergency fund of atleast 3 months expense as it helps. I did it for 12 to reduce my stress.
我每月最多花费约4.3~4.5万。
每月存下8~10万。
邮局公积金 (PPF) 账户:每月 ，1.25万；每年15万。
人寿保费：每年5万，每半年2.5万。
共同基金为每月1000卢比。
利息被锁定在帐户中，探索其他方法来存钱。
我有一笔12个月的应急资金，我用了两年多的时间。
约每月4.5万， 12个月就是5.4万。
极端紧急情况下额外用1.6万。
拥有金钱和金钱能买到的东西是件好事，但偶尔检查一下，确保你没有丢失金钱买不到的东西也是件好事
我敦促人们建立一个至少3个月的应急基金，因为它是有帮助的，为了减轻压力，我建立了可用12个月的应急基金。
Save 80–100k per month in
PPF : 150000 per year 12,500 per month
LIC : 50000 per year 25000 half yearly
mutual funds 1k per month
Rest is locked in account, exploring others ways to save.
And I have an emergency funds of 12 months expenses, which i saved over 2 years.
Approx 45000 pm X 12 = 5,40,000
1,60,000 extra for extreme emergencies.
It's good to have money and the things that money can buy, but it's good, too, to check up once in a while and make sure that you haven't lost the things that money can't buy.
I urge ever person to create an emergency fund of atleast 3 months expense as it helps. I did it for 12 to reduce my stress.
我每月最多花费约4.3~4.5万。
每月存下8~10万。
邮局公积金 (PPF) 账户:每月 ，1.25万；每年15万。
人寿保费：每年5万，每半年2.5万。
共同基金为每月1000卢比。
利息被锁定在帐户中，探索其他方法来存钱。
我有一笔12个月的应急资金，我用了两年多的时间。
约每月4.5万， 12个月就是5.4万。
极端紧急情况下额外用1.6万。
拥有金钱和金钱能买到的东西是件好事，但偶尔检查一下，确保你没有丢失金钱买不到的东西也是件好事
我敦促人们建立一个至少3个月的应急基金，因为它是有帮助的，为了减轻压力，我建立了可用12个月的应急基金。
Anonymous
So I am an IT Manager 32 year old, married with a kid.
So how I waste or spent,
Salary around 1,20,000 per month after tax
House Rent = 22000 I am living in Bangalore.
Car loan emi = 11000 - I own a sedan.
Fuel Expenses - 8000 pm
Kids School fee - 5000 pm paid annually
Maid, dth, electricity, mobile - 6000 pm
Grocery,milk, vegetables, fruits - 15000 -
Annual Travel and wandering last year was 1,20,000 - means around 10k we usually visit at least 1 new place every month globe trotters.
Shopping around 1l per year. 10k pm approx
Give 10k to parents pm.
What left used to go in investment, I hardly have any investment though as I have to withdraw it to pay some unplanned expenses.
我是一名IT经理，32岁，已婚，有一个孩子。
所以我是如何花钱的，
税后工资约为每月12万，
我住在班加罗尔，每月2.2万。
汽车贷款：1.1万，我有一辆轿车。
燃料费用：每月8000卢比
学费：每月费用5000卢比
女仆，电视费，电费，手机花费：每月6000 卢比。
杂货、牛奶、蔬菜、水果：1.5万。
去年旅游费用为12万，这意味着我们通常每个月都至少会去一个新地方。
每年购物约约1万每月
每月给父母1万。
剩下的都用来投资了，我几乎没有任何投资，因为我不得不用它来支付一些计划外的费用。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
So I am an IT Manager 32 year old, married with a kid.
So how I waste or spent,
Salary around 1,20,000 per month after tax
House Rent = 22000 I am living in Bangalore.
Car loan emi = 11000 - I own a sedan.
Fuel Expenses - 8000 pm
Kids School fee - 5000 pm paid annually
Maid, dth, electricity, mobile - 6000 pm
Grocery,milk, vegetables, fruits - 15000 -
Annual Travel and wandering last year was 1,20,000 - means around 10k we usually visit at least 1 new place every month globe trotters.
Shopping around 1l per year. 10k pm approx
Give 10k to parents pm.
What left used to go in investment, I hardly have any investment though as I have to withdraw it to pay some unplanned expenses.
我是一名IT经理，32岁，已婚，有一个孩子。
所以我是如何花钱的，
税后工资约为每月12万，
我住在班加罗尔，每月2.2万。
汽车贷款：1.1万，我有一辆轿车。
燃料费用：每月8000卢比
学费：每月费用5000卢比
女仆，电视费，电费，手机花费：每月6000 卢比。
杂货、牛奶、蔬菜、水果：1.5万。
去年旅游费用为12万，这意味着我们通常每个月都至少会去一个新地方。
每年购物约约1万每月
每月给父母1万。
剩下的都用来投资了，我几乎没有任何投资，因为我不得不用它来支付一些计划外的费用。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Health and Term life company provides.
I don't have any home loan, personal loan etc.
I have 7 credit cards which I settle in full every month.
I have house in my hometown in my 9 years in the industry I changed 6 companies to reach this figure.
I don't know about ppl who post that they earn huge but I can say I always get as per market standards.
Well considering education I am B.tech+ mba.
I really scare taking risk or home loan as I seen ppl paying it only throughout their life and in end it's only liability except from a bit of personal satisfaction.
Life in IT is waste only I am living 1500 KMS away from my parents, I was a scholar in school and college and the neighborhood guys who just didn't studied well are earning fairly well than me and bought their own property in my hometown.
公司给交健康和定期人寿保险费用
我没有任何住房贷款、个人贷款等。
我有7张信用卡，每个月都要全额结清。
我在家乡有房子，在我进入这个行业的9年里，我换了6家公司才达到这个数字。
我不知道那些说他们赚大钱的人的情况，但我可以说我赚的钱总是在市场标准之内。
说到教育，我是理工学士，还读了MBA。
我真的很害怕冒险或担负房贷，因为我看到人们完全是用他们的一生时间去支付，最终除了一点个人满足感，只剩下责任。
IT行业的生活就是费钱，只是我住在离父母1500公里的地方，我在学校和大学都是一名学者，那些学习不好的人的收入比我还高，在我的家乡买了自己的房子。
I don't have any home loan, personal loan etc.
I have 7 credit cards which I settle in full every month.
I have house in my hometown in my 9 years in the industry I changed 6 companies to reach this figure.
I don't know about ppl who post that they earn huge but I can say I always get as per market standards.
Well considering education I am B.tech+ mba.
I really scare taking risk or home loan as I seen ppl paying it only throughout their life and in end it's only liability except from a bit of personal satisfaction.
Life in IT is waste only I am living 1500 KMS away from my parents, I was a scholar in school and college and the neighborhood guys who just didn't studied well are earning fairly well than me and bought their own property in my hometown.
公司给交健康和定期人寿保险费用
我没有任何住房贷款、个人贷款等。
我有7张信用卡，每个月都要全额结清。
我在家乡有房子，在我进入这个行业的9年里，我换了6家公司才达到这个数字。
我不知道那些说他们赚大钱的人的情况，但我可以说我赚的钱总是在市场标准之内。
说到教育，我是理工学士，还读了MBA。
我真的很害怕冒险或担负房贷，因为我看到人们完全是用他们的一生时间去支付，最终除了一点个人满足感，只剩下责任。
IT行业的生活就是费钱，只是我住在离父母1500公里的地方，我在学校和大学都是一名学者，那些学习不好的人的收入比我还高，在我的家乡买了自己的房子。
And I am still paying what I am earning.
Planning to come out of this trap in next 8 years plan.
I have my childhood friend earning more than 3l pm by only selling sarees, dress material, home furnishings on different online platforms in my hometown.
I seen people living in Germany, Sweden, Europe living with their family there for 5–6 years and doing everything by themselves still not even save anything and coming back to India still paying loan for entire life for home loan.
Income Tax in European countries are up to 50% and there is specific slab in which u will get paid if u not something outstanding well in.
And that outstanding is 2–3% only.
I seen people not traveling to their parents for 1–2years as it can cost their entire year savings living abroad.
So long story short if you are working in IT you are bound to waste money. And you are not alone so don't get frustrated.
我仍然是月光族。
计划在未来8年内走出这个陷阱。
我有一个儿时的朋友，在家乡的不同网络平台上卖纱丽、服装材料和家居用品，收入超过30万每月。
我看到有人在德国、瑞典、欧洲和家人一起生活了5-6年，什么都自己做，甚至没有存什么钱，回到印度后，仍然要为住房贷款偿还一辈子的贷款。
欧洲国家的所得税高达50%，如果你没有什么突出的地方，你就是得到那个特定的报酬。
这一比例仅为2-3%。
我看到有人1 - 2年都不回父母家了，因为在国外生活可能会花掉他们全年的积蓄。
长话短说，如果你在IT行业工作，你一定会浪费钱。但你并不孤单，所以不要沮丧。
Planning to come out of this trap in next 8 years plan.
I have my childhood friend earning more than 3l pm by only selling sarees, dress material, home furnishings on different online platforms in my hometown.
I seen people living in Germany, Sweden, Europe living with their family there for 5–6 years and doing everything by themselves still not even save anything and coming back to India still paying loan for entire life for home loan.
Income Tax in European countries are up to 50% and there is specific slab in which u will get paid if u not something outstanding well in.
And that outstanding is 2–3% only.
I seen people not traveling to their parents for 1–2years as it can cost their entire year savings living abroad.
So long story short if you are working in IT you are bound to waste money. And you are not alone so don't get frustrated.
我仍然是月光族。
计划在未来8年内走出这个陷阱。
我有一个儿时的朋友，在家乡的不同网络平台上卖纱丽、服装材料和家居用品，收入超过30万每月。
我看到有人在德国、瑞典、欧洲和家人一起生活了5-6年，什么都自己做，甚至没有存什么钱，回到印度后，仍然要为住房贷款偿还一辈子的贷款。
欧洲国家的所得税高达50%，如果你没有什么突出的地方，你就是得到那个特定的报酬。
这一比例仅为2-3%。
我看到有人1 - 2年都不回父母家了，因为在国外生活可能会花掉他们全年的积蓄。
长话短说，如果你在IT行业工作，你一定会浪费钱。但你并不孤单，所以不要沮丧。
Raj Malhotra
I live in Mumbai and my age is 38. I make exactly Rs.43,000/- every month.
I send Rs.5000/- every month to my younger brother for his expenses as he is studying. He is in the final year.
I have an EMI of Rs.6200/- for the loan I took to get my brother's admission in college. Still, 18 months remaining for the loan completion.
I save Rs.3500/- every month as I need to pay my brother's semester fees now which is subsidized and is less.
I stay as a paying guest where I pay rent of Rs.6000/- month. It includes food for two times and stays.
Rs.50/- every day for lunch during working days and Rs.110/- on non-working days which makes Rs.1690/-(Rs.50*25+Rs.110*5).
I have monthly expenses of Rs.2000/- on different aspects like tea, coffee or sometimes food sucks
I save Rs.12600/- every month and is spent on a cause that should not be disclosed here.
I know I make very little compared to my fellow mates in Mumbai. But my life had very dramatic changes and I am happy with this shift. However, looking for growing up as age is crossing and family is looking for me to take their responsibilities also.
我住在孟买，今年38岁。我每个月赚4.3000万卢比。
我每个月给弟弟寄5000卢比，作为他学习的费用，他还要度最后一学年。
我有一笔6200卢比的贷款，用于我弟弟的大学费用。不过，离贷款完成还有18个月。
我每个月存入3500卢比，因为我现在需要支付我弟弟的学费，尽管有补助但不多。
我住的地方，每月支付6000卢比的租金，它包括两餐伙食费和住宿。
工作日每天午餐50卢比，非工作日每天110卢比，即每月1690卢比（50*25+110*5）。
我每月有2000卢比的费用，用于不同的方面，如茶、咖啡或有时因食物很差劲而需要支出食物费。
我每个月存下1.26万卢比，用于一项不应在此处披露的事业。
我知道与我在孟买的同事相比，我赚得很少。但我的生活发生了非常戏剧性的变化，我对这种转变感到高兴。然而，随着年龄的增长，家庭也希望我来承担对他们的责任。
I live in Mumbai and my age is 38. I make exactly Rs.43,000/- every month.
I send Rs.5000/- every month to my younger brother for his expenses as he is studying. He is in the final year.
I have an EMI of Rs.6200/- for the loan I took to get my brother's admission in college. Still, 18 months remaining for the loan completion.
I save Rs.3500/- every month as I need to pay my brother's semester fees now which is subsidized and is less.
I stay as a paying guest where I pay rent of Rs.6000/- month. It includes food for two times and stays.
Rs.50/- every day for lunch during working days and Rs.110/- on non-working days which makes Rs.1690/-(Rs.50*25+Rs.110*5).
I have monthly expenses of Rs.2000/- on different aspects like tea, coffee or sometimes food sucks
I save Rs.12600/- every month and is spent on a cause that should not be disclosed here.
I know I make very little compared to my fellow mates in Mumbai. But my life had very dramatic changes and I am happy with this shift. However, looking for growing up as age is crossing and family is looking for me to take their responsibilities also.
我住在孟买，今年38岁。我每个月赚4.3000万卢比。
我每个月给弟弟寄5000卢比，作为他学习的费用，他还要度最后一学年。
我有一笔6200卢比的贷款，用于我弟弟的大学费用。不过，离贷款完成还有18个月。
我每个月存入3500卢比，因为我现在需要支付我弟弟的学费，尽管有补助但不多。
我住的地方，每月支付6000卢比的租金，它包括两餐伙食费和住宿。
工作日每天午餐50卢比，非工作日每天110卢比，即每月1690卢比（50*25+110*5）。
我每月有2000卢比的费用，用于不同的方面，如茶、咖啡或有时因食物很差劲而需要支出食物费。
我每个月存下1.26万卢比，用于一项不应在此处披露的事业。
我知道与我在孟买的同事相比，我赚得很少。但我的生活发生了非常戏剧性的变化，我对这种转变感到高兴。然而，随着年龄的增长，家庭也希望我来承担对他们的责任。
Jyothsna Rayulu
I am 26 and a lecturer. My monthly salary is almost 25000 in my hand. And this is how I spend my salary every month …
I usually go to college by my scooty and the petrol cost per month is nearly Rs. 1500/—
I do not bring my lunch box to the college from my home. So everyday I have my lunch at the college so my lunch cost is around Rs.1200/—.
I stay at my parents home so I do not need to pay any rent charges.
But I stay at my parents home so because of that I usually buy some groceries and vegetables for them for an amount of Rs.5000/—.
There are some miscellaneous expenses include gifts/tours/some times I probably give some amount of money to my parents becoz they are sometimes financally dependent on me so amount of Rs.3000/-.
I bought my two wheeler on tvs bajaj finance so for that every month the EMI amount is nearly Rs.2900/—.
So In total my expenses do not exceed Rs.13000/— for every month.
Hence I get to save money more than Rs.10000/— per month
我今年26岁，是一名讲师。我的月薪将近2.5万。
我通常骑摩托车去学院，每个月的汽油费接近1500卢比
我没有带饭盒去学校。所以我每天都在大学里吃午饭，所以我的午餐费用大约为1200卢比。
我住在父母家，所以我不需要支付任何租金。
但我呆在父母家里，因此我通常会为他们购买一些杂货和蔬菜，费用为5000卢比。
有一些杂项费用，包括礼物/旅游/有时我可能会给我父母一些钱，因为他们有时在经济上依赖我，所以金额为3000卢比。
我在电视买了巴贾杰两轮车，因此每个月的分期贷款金额接近2900卢比。
因此，我每个月的总开支不超过1.3万卢比。
因此，我每月可以存下超过1万卢比
I am 26 and a lecturer. My monthly salary is almost 25000 in my hand. And this is how I spend my salary every month …
I usually go to college by my scooty and the petrol cost per month is nearly Rs. 1500/—
I do not bring my lunch box to the college from my home. So everyday I have my lunch at the college so my lunch cost is around Rs.1200/—.
I stay at my parents home so I do not need to pay any rent charges.
But I stay at my parents home so because of that I usually buy some groceries and vegetables for them for an amount of Rs.5000/—.
There are some miscellaneous expenses include gifts/tours/some times I probably give some amount of money to my parents becoz they are sometimes financally dependent on me so amount of Rs.3000/-.
I bought my two wheeler on tvs bajaj finance so for that every month the EMI amount is nearly Rs.2900/—.
So In total my expenses do not exceed Rs.13000/— for every month.
Hence I get to save money more than Rs.10000/— per month
我今年26岁，是一名讲师。我的月薪将近2.5万。
我通常骑摩托车去学院，每个月的汽油费接近1500卢比
我没有带饭盒去学校。所以我每天都在大学里吃午饭，所以我的午餐费用大约为1200卢比。
我住在父母家，所以我不需要支付任何租金。
但我呆在父母家里，因此我通常会为他们购买一些杂货和蔬菜，费用为5000卢比。
有一些杂项费用，包括礼物/旅游/有时我可能会给我父母一些钱，因为他们有时在经济上依赖我，所以金额为3000卢比。
我在电视买了巴贾杰两轮车，因此每个月的分期贷款金额接近2900卢比。
因此，我每个月的总开支不超过1.3万卢比。
因此，我每月可以存下超过1万卢比
Anwesha Jana
I am 26 and a banker. My monthly salary is almost Rs 44000 in hand. And this is how I spend my salary-
Credit card bill on the very first day of the month averages to Rs 2500 per month.
Transportation cost is around Rs 1600 per month.
Electricity bill averages to Rs 1000 per month, since I stay alone and most of the time I am out of my house.
Lunch at office costs Rs 1700 per month on average.
Since I stay alone, groceries and vegetables amount to Rs 2000 on average per month.
Miscellaneous expenses include Uber/ Outings/ Gifts which amount to Rs 2000 on average.
So, in total, my expenses do not exceed Rs 12000 per month. I stay at my father's flat, so I do not need to pay rent. Even if I did not, my office would have paid my rent expenses. Hence, I get to save more than Rs 30000 per month.
I do not have any liabilities as of now. My parents are financially independent. Thus, most of my savings goes into recurring deposit, fixed deposit and PPF. I am not much of a risk taker, so I do not invest in mutual funds and stocks. But, I love to travel, a lot. Hence once a while a bulk amount of my savings goes into travel expenses.
我今年26岁，是一名银行家。我的月薪将近4.4万卢比。我是这样花工资的：
每月第一天的信用卡账单平均为每月2500卢比。
交通成本约为每月1600卢比。
电费平均每月1000卢比，因为我一个人住，大部分时间我都不在家。
办公室午餐平均每月花费1700卢比。
由于我一个人住，杂货和蔬菜平均每月要2000卢比。
杂项费用包括优步、外出、礼品，平均金额为2000卢比。
因此，我的总开支每月不超过1.2万卢比。我住在我父亲的公寓里，所以我不需要付房租。即使我没有住家，我的公司也会支付我的房租。因此，我每月可以存下3万卢比以上。
截至目前，我没有任何债务。我的父母经济独立。因此，我的大部分储蓄都用于定期存款和邮局储蓄。我不太喜欢冒险，所以我不去投资共同基金和股票。但是，我非常喜欢旅行。因此，我的大部分储蓄偶尔会用于旅行。
I am 26 and a banker. My monthly salary is almost Rs 44000 in hand. And this is how I spend my salary-
Credit card bill on the very first day of the month averages to Rs 2500 per month.
Transportation cost is around Rs 1600 per month.
Electricity bill averages to Rs 1000 per month, since I stay alone and most of the time I am out of my house.
Lunch at office costs Rs 1700 per month on average.
Since I stay alone, groceries and vegetables amount to Rs 2000 on average per month.
Miscellaneous expenses include Uber/ Outings/ Gifts which amount to Rs 2000 on average.
So, in total, my expenses do not exceed Rs 12000 per month. I stay at my father's flat, so I do not need to pay rent. Even if I did not, my office would have paid my rent expenses. Hence, I get to save more than Rs 30000 per month.
I do not have any liabilities as of now. My parents are financially independent. Thus, most of my savings goes into recurring deposit, fixed deposit and PPF. I am not much of a risk taker, so I do not invest in mutual funds and stocks. But, I love to travel, a lot. Hence once a while a bulk amount of my savings goes into travel expenses.
我今年26岁，是一名银行家。我的月薪将近4.4万卢比。我是这样花工资的：
每月第一天的信用卡账单平均为每月2500卢比。
交通成本约为每月1600卢比。
电费平均每月1000卢比，因为我一个人住，大部分时间我都不在家。
办公室午餐平均每月花费1700卢比。
由于我一个人住，杂货和蔬菜平均每月要2000卢比。
杂项费用包括优步、外出、礼品，平均金额为2000卢比。
因此，我的总开支每月不超过1.2万卢比。我住在我父亲的公寓里，所以我不需要付房租。即使我没有住家，我的公司也会支付我的房租。因此，我每月可以存下3万卢比以上。
截至目前，我没有任何债务。我的父母经济独立。因此，我的大部分储蓄都用于定期存款和邮局储蓄。我不太喜欢冒险，所以我不去投资共同基金和股票。但是，我非常喜欢旅行。因此，我的大部分储蓄偶尔会用于旅行。
Swarnima
I am in 12 th standard. Board student…
I earn 2500 rs by giving home tution. ( i have to pay my school fee by my own, my father don't have enough money.)
In class 12 th people take tution for there boards, but i give??…
Once i heard by my uncle, i am burden on them. From that i decided to be self- dependent person.
I take this situation in positive way. I am happy and confident?? that i get the opportunity to become self-dependent. ( In india, there is a mentality parents pay every expenditure of their children untill they start doing jobs. so, they get habit of being dependent.)
I think “every cloud has its silver lining”.
我在第12年级，住校学生。
我通过家庭辅导赚取2500卢比。（我得自己付学费，我父亲没有足够的钱。）
在第12年级，有人要上辅导课，于是我就给予辅导。
自从我曾听到我叔叔的话：我成了他们的负担。从那以后，我决定成为一个独立的人。
我对这种情况持积极态度。我很快乐和自信，我有机会变得独立。（在印度，有一种心理，父母在孩子开始工作之前支付他们的每一笔开支。因此，孩子养成了依赖的习惯。）
我认为“黑暗中总有一线光明”。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I am in 12 th standard. Board student…
I earn 2500 rs by giving home tution. ( i have to pay my school fee by my own, my father don't have enough money.)
In class 12 th people take tution for there boards, but i give??…
Once i heard by my uncle, i am burden on them. From that i decided to be self- dependent person.
I take this situation in positive way. I am happy and confident?? that i get the opportunity to become self-dependent. ( In india, there is a mentality parents pay every expenditure of their children untill they start doing jobs. so, they get habit of being dependent.)
I think “every cloud has its silver lining”.
我在第12年级，住校学生。
我通过家庭辅导赚取2500卢比。（我得自己付学费，我父亲没有足够的钱。）
在第12年级，有人要上辅导课，于是我就给予辅导。
自从我曾听到我叔叔的话：我成了他们的负担。从那以后，我决定成为一个独立的人。
我对这种情况持积极态度。我很快乐和自信，我有机会变得独立。（在印度，有一种心理，父母在孩子开始工作之前支付他们的每一笔开支。因此，孩子养成了依赖的习惯。）
我认为“黑暗中总有一线光明”。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Anonymous
I live in Bangalore, I am ~30 years old and I make around INR 6L per month (after tax). This is how I waste it:
I pay 60K as rent and live in a lavish house in a good part of the city
Netflix subscxtion which me and family use
I pay for dropbox annual subscxtion to keep my docs safe
I pay for bills (milk, internet, grocery, medicines, fuel etc) which amount to almost 40K as I buy all things top notch quality(claimed as organic)
I pay for help: 4 maids (2 for cleaning, 2 for cooking), 1 car cleaner, 1 laundry person, 1 gym trainer, 1 driver. This amounts to about 50K
Eating out: We eat out twice a month and we go to top restaurants like 5. About 10K
我住在班加罗尔，大约30岁，每月收入约为60万卢比（税后）。我是这样花费这笔钱的：
我付了6万的房租，租了城市好地段的一套豪华房子。
我和家人订阅了Netflix
我订阅了年度云服务，以确保我的文档安全
我支付账单（牛奶、互联网、食品杂货、药品、燃料等），因为我购买所有顶级品质的东西（声称是有机的），账单金额几乎为4万卢比
我支付服务费：4名女佣（2名保洁员，2名厨师），1名汽车清洁工，1名洗衣工，1名健身房教练，1名司机。这总计约为5万卢比
外出就餐：我们一个月在外就餐两次，我们去5家顶级餐厅，约1万卢比。
I live in Bangalore, I am ~30 years old and I make around INR 6L per month (after tax). This is how I waste it:
I pay 60K as rent and live in a lavish house in a good part of the city
Netflix subscxtion which me and family use
I pay for dropbox annual subscxtion to keep my docs safe
I pay for bills (milk, internet, grocery, medicines, fuel etc) which amount to almost 40K as I buy all things top notch quality(claimed as organic)
I pay for help: 4 maids (2 for cleaning, 2 for cooking), 1 car cleaner, 1 laundry person, 1 gym trainer, 1 driver. This amounts to about 50K
Eating out: We eat out twice a month and we go to top restaurants like 5. About 10K
我住在班加罗尔，大约30岁，每月收入约为60万卢比（税后）。我是这样花费这笔钱的：
我付了6万的房租，租了城市好地段的一套豪华房子。
我和家人订阅了Netflix
我订阅了年度云服务，以确保我的文档安全
我支付账单（牛奶、互联网、食品杂货、药品、燃料等），因为我购买所有顶级品质的东西（声称是有机的），账单金额几乎为4万卢比
我支付服务费：4名女佣（2名保洁员，2名厨师），1名汽车清洁工，1名洗衣工，1名健身房教练，1名司机。这总计约为5万卢比
外出就餐：我们一个月在外就餐两次，我们去5家顶级餐厅，约1万卢比。
Travel: We travel about 4 times a year and stay at 5 star hotels, travel economy but with premium seats etc. About 30K per month (calculated annually about INR 3.6L i.e. about 80–100k per vacation, depends on the location)
So I end up wasting about two lakh per month on these. Balance is 4L
Where I invest
Invest about 2L per month in PPF, FD, Bonds, Tax free FDs, Tax free bonds etc
Invest about 1L on SIPs in various MFs
Invest about 1L on Shares (direct investment in whatever I like), multiple term insurance, health insurance, LIC policies, and other such policies and schemes
I do not have any debt. No EMIs. Own the car outright. Do not have credit cards. Don’t have to travel to go to office as I live next door. Do not plan to buy a house till I have enough money to buy it outright.
旅行：我们每年旅行约4次，入住五星级酒店，经济型出现方式，但有高级座位等。每月约3万卢比（每年计算约36万卢比，即每次度假约8~10万卢比，取决于地点）
所以我最终每个月在这些方面花费了大约20万，存下40万。
我投资的地方
每月在邮局储蓄、定期存款、债券、免税定期存款、免税债券等方面投资约20万卢比
在系统投资计划（SIP）进行共同基金（MF）投资约10万卢比。
在股票（直接投资我喜欢的任何品种）、多期保险、健康保险、人寿保险政策以及其他此类政策和计划上投资约10万卢比
我没有债务、无分期贷款、一次性付清车款、没有信用卡。因为我住在隔壁，所以去上班没有出行费用。在我有足够的钱一次性付清房款之前，不打算买房。
So I end up wasting about two lakh per month on these. Balance is 4L
Where I invest
Invest about 2L per month in PPF, FD, Bonds, Tax free FDs, Tax free bonds etc
Invest about 1L on SIPs in various MFs
Invest about 1L on Shares (direct investment in whatever I like), multiple term insurance, health insurance, LIC policies, and other such policies and schemes
I do not have any debt. No EMIs. Own the car outright. Do not have credit cards. Don’t have to travel to go to office as I live next door. Do not plan to buy a house till I have enough money to buy it outright.
旅行：我们每年旅行约4次，入住五星级酒店，经济型出现方式，但有高级座位等。每月约3万卢比（每年计算约36万卢比，即每次度假约8~10万卢比，取决于地点）
所以我最终每个月在这些方面花费了大约20万，存下40万。
我投资的地方
每月在邮局储蓄、定期存款、债券、免税定期存款、免税债券等方面投资约20万卢比
在系统投资计划（SIP）进行共同基金（MF）投资约10万卢比。
在股票（直接投资我喜欢的任何品种）、多期保险、健康保险、人寿保险政策以及其他此类政策和计划上投资约10万卢比
我没有债务、无分期贷款、一次性付清车款、没有信用卡。因为我住在隔壁，所以去上班没有出行费用。在我有足够的钱一次性付清房款之前，不打算买房。
Anonymous
I work as Director - finance in one of the top MNCs. I earn 60 LPA after tax. I’ve a twin girls and a boy aged 12 and 10 respectively. I’m a divorcee and kids are with their mother. Monthly I get somewhere between 5 and 5.2 lakhs as salary. Apart from that I have 3 houses in the city which gives me monthly 35k as rent. I give 4 lakhs as monthly alimony to my ex and childrens. I am considering it as wasting because had I been with family our monthly expenses never would have crossed 1 lakh. Now I can’t even ask what they are doing with that money every month. In a way I’m happy that I’m out of all the struggles I went through for the past 5 years.
For youngsters, I want to tell you one thing - don’t fell in the trap called marriage if you are not very comfortable adjusting for others. Don’t even think of having babies if you are not very sure about your compatibility with your spouse.
Finally, don’t initiate for divorce.
我在一家顶级跨国公司担任财务总监。我税后60万卢比。我有一个双胞胎女孩和一个男孩，分别12岁和10岁。我离婚了，孩子们和他们的母亲在一起。我每月的工资在50万到52万之间。除此之外，我在城里有3套房子，每月租金收入为3.5万。我每月给前妻和孩子们40万的离婚抚养费。我认为这是浪费，因为如果我和家人在一起，我们每个月的开销永远不会超过10万。现在我甚至不能问他们每个月都在用这些钱做什么。在某种程度上，我很高兴我摆脱了过去5年的所有艰难时刻。
对于年轻人，我想告诉你一件事——如果你不太适应别人，就不要进入婚姻的陷阱。如果你不太确定自己与配偶的兼容性，甚至不要考虑生孩子。
最后，不要主动提出离婚。
I work as Director - finance in one of the top MNCs. I earn 60 LPA after tax. I’ve a twin girls and a boy aged 12 and 10 respectively. I’m a divorcee and kids are with their mother. Monthly I get somewhere between 5 and 5.2 lakhs as salary. Apart from that I have 3 houses in the city which gives me monthly 35k as rent. I give 4 lakhs as monthly alimony to my ex and childrens. I am considering it as wasting because had I been with family our monthly expenses never would have crossed 1 lakh. Now I can’t even ask what they are doing with that money every month. In a way I’m happy that I’m out of all the struggles I went through for the past 5 years.
For youngsters, I want to tell you one thing - don’t fell in the trap called marriage if you are not very comfortable adjusting for others. Don’t even think of having babies if you are not very sure about your compatibility with your spouse.
Finally, don’t initiate for divorce.
我在一家顶级跨国公司担任财务总监。我税后60万卢比。我有一个双胞胎女孩和一个男孩，分别12岁和10岁。我离婚了，孩子们和他们的母亲在一起。我每月的工资在50万到52万之间。除此之外，我在城里有3套房子，每月租金收入为3.5万。我每月给前妻和孩子们40万的离婚抚养费。我认为这是浪费，因为如果我和家人在一起，我们每个月的开销永远不会超过10万。现在我甚至不能问他们每个月都在用这些钱做什么。在某种程度上，我很高兴我摆脱了过去5年的所有艰难时刻。
对于年轻人，我想告诉你一件事——如果你不太适应别人，就不要进入婚姻的陷阱。如果你不太确定自己与配偶的兼容性，甚至不要考虑生孩子。
最后，不要主动提出离婚。
Shaunak Bhattacharjeee
I am a 24 year old software engineer working in an MNC having an experience of 2 years now. My gross compensation is 7.5 lakh per annum and after deductions, I get around 47,000 rupees in hand monthly. Every three months I receive a performance bonus which is around 10,000 rupees more. In those months, I get Rs 57,000. So on an average, my monthly income stands at Rs 50,000. As of now I do not possess any other sources of income except the bank interest on my salary account.
I am lucky to be living with my parents. My father takes care of the necessary expenses of our family while I try to chip in where I can and mostly make the expenditures related to luxury items like going out to a restaurant, watching a movie, buying new clothes for the family when a festival, laptops comes etc.
Before the lockdown, I had some fixed set of expenses like daily commute, office lunch, snacks. A good chunk had to be contributed when there was a birthday party of any colleague. All these expenses have been cut off now. There are a few extra expenses now but they are not much.
我是一名24岁的软件工程师，在一家跨国公司工作，目前已有2年的工作经验。我每年的总薪酬是75万卢比，扣除后，我每月手头有大约4.7万卢比。每三个月，我就能拿到1万卢比左右的绩效奖金在那几个月里，我赚了5.7万卢比。所以平均来说，我的月收入是5万卢比。到目前为止，除了我的工资账户上的银行利息，我没有任何其他收入来源。
我很幸运能和父母住在一起。我的父亲负责我们家的必要开支，而我努力在我能做的事情上去赚钱，主要是花在奢侈品消费类支出，比如出去吃饭、看电影、节日时为家人买新衣服、笔记本电脑等。
在封锁之前，我有一些固定的开支，比如每天通勤、办公室午餐和零食。当有同事的生日聚会时，还必须拿出一大笔钱。所有这些费用现在都被削减了，尽管现在有一些额外的开支，但并不多。
I am a 24 year old software engineer working in an MNC having an experience of 2 years now. My gross compensation is 7.5 lakh per annum and after deductions, I get around 47,000 rupees in hand monthly. Every three months I receive a performance bonus which is around 10,000 rupees more. In those months, I get Rs 57,000. So on an average, my monthly income stands at Rs 50,000. As of now I do not possess any other sources of income except the bank interest on my salary account.
I am lucky to be living with my parents. My father takes care of the necessary expenses of our family while I try to chip in where I can and mostly make the expenditures related to luxury items like going out to a restaurant, watching a movie, buying new clothes for the family when a festival, laptops comes etc.
Before the lockdown, I had some fixed set of expenses like daily commute, office lunch, snacks. A good chunk had to be contributed when there was a birthday party of any colleague. All these expenses have been cut off now. There are a few extra expenses now but they are not much.
我是一名24岁的软件工程师，在一家跨国公司工作，目前已有2年的工作经验。我每年的总薪酬是75万卢比，扣除后，我每月手头有大约4.7万卢比。每三个月，我就能拿到1万卢比左右的绩效奖金在那几个月里，我赚了5.7万卢比。所以平均来说，我的月收入是5万卢比。到目前为止，除了我的工资账户上的银行利息，我没有任何其他收入来源。
我很幸运能和父母住在一起。我的父亲负责我们家的必要开支，而我努力在我能做的事情上去赚钱，主要是花在奢侈品消费类支出，比如出去吃饭、看电影、节日时为家人买新衣服、笔记本电脑等。
在封锁之前，我有一些固定的开支，比如每天通勤、办公室午餐和零食。当有同事的生日聚会时，还必须拿出一大笔钱。所有这些费用现在都被削减了，尽管现在有一些额外的开支，但并不多。
I buy the medicines since I prefer to take extra precautions during this Covid time. That comes around Rs 1,000 monthly.
I have also taken subscxtions of Amazon Prime, Netflix and Hostar. Per month it comes to around Rs 350 in total.
Occassionally I like to order food online, not much, maybe once a week. It comes about 1,000 rupees in a month.
There are some snack items that I buy every month since I need to constantly munch on something while working. This is an additional expense of about Rs 2,000.
I make some ocassional purchases for the house too like treadmill and its maintenance, a few essential grocery items, a couple of bills and a few stuffs here and there. On an average as of now during this lockdown, my monthly expenses come to Rs 5,000 - 6,000 roughly; not more than that. Hence I am able to save almost about 90% of my income which I believe is a good portion.
In a month I will be joining another organization located in Bangalore. I would be getting a 50% hike there so that's something great but my expenses will shoot up as well. Good thing is I am expected to work remotely for the time being so I can save up good money working from home before traveling to Bangalore.
我之所以买些药，是因为我更喜欢在疫情期间采取额外的预防措施，每月约1000卢比。
我还订阅了亚马逊金牌服务、Netflix和Hostar。每月总计约350卢比。
偶尔我喜欢在网上点餐，不多，也许一周一次。一个月大约1000卢比。
我每个月都会买一些零食，因为我需要在工作时不断咀嚼一些东西。这是大约2000卢比的额外费用。
我偶尔也会为房子买一些东西，比如跑步机和维护，一些基本的杂货，一些账单和一些东西。截至目前，在封锁期间，我每月的平均支出大约为5000至6000卢比。仅此而已。因此，我能够把大约90%的收入存起来，我认为这是一个不错的比例。
一个月后，我将加入位于班加罗尔的另一个组织。我在那里工资将得到50%的涨幅，这是一件很棒的事情，但我的支出也会激增。好消息是，我暂时要远程工作，这样我就可以在去班加罗尔之前在家工作攒下一大笔钱
I have also taken subscxtions of Amazon Prime, Netflix and Hostar. Per month it comes to around Rs 350 in total.
Occassionally I like to order food online, not much, maybe once a week. It comes about 1,000 rupees in a month.
There are some snack items that I buy every month since I need to constantly munch on something while working. This is an additional expense of about Rs 2,000.
I make some ocassional purchases for the house too like treadmill and its maintenance, a few essential grocery items, a couple of bills and a few stuffs here and there. On an average as of now during this lockdown, my monthly expenses come to Rs 5,000 - 6,000 roughly; not more than that. Hence I am able to save almost about 90% of my income which I believe is a good portion.
In a month I will be joining another organization located in Bangalore. I would be getting a 50% hike there so that's something great but my expenses will shoot up as well. Good thing is I am expected to work remotely for the time being so I can save up good money working from home before traveling to Bangalore.
我之所以买些药，是因为我更喜欢在疫情期间采取额外的预防措施，每月约1000卢比。
我还订阅了亚马逊金牌服务、Netflix和Hostar。每月总计约350卢比。
偶尔我喜欢在网上点餐，不多，也许一周一次。一个月大约1000卢比。
我每个月都会买一些零食，因为我需要在工作时不断咀嚼一些东西。这是大约2000卢比的额外费用。
我偶尔也会为房子买一些东西，比如跑步机和维护，一些基本的杂货，一些账单和一些东西。截至目前，在封锁期间，我每月的平均支出大约为5000至6000卢比。仅此而已。因此，我能够把大约90%的收入存起来，我认为这是一个不错的比例。
一个月后，我将加入位于班加罗尔的另一个组织。我在那里工资将得到50%的涨幅，这是一件很棒的事情，但我的支出也会激增。好消息是，我暂时要远程工作，这样我就可以在去班加罗尔之前在家工作攒下一大笔钱
Piyush Chavan
Total amount which i get per month is around 15–20k varies every month.
1. i spend around 3–4k on daily needs i.e snacks etc.
2. I have sip of 2k in axix bluechip
3-I do aslo invest in stock market so i save remaining money and invest whenever i thing its right time to do. Till now i have portfolio of around 38k in mutual funds and 43k in stock market which have reliance. because i strongly believe that compunding is only way to creat strong wealth because compounding can make us billioner if done properly.
We just have to go for top 5 market leader of nifty 50 to avoid future loss in volatile market. We can also manage your portfolio by investing 70–75% of ur amount in market leader or stock which your getting at there 52 week low but remember they must have good fundamentals. And for creating welth you just have to invest 25k for next 20 yrs in stock which will give CAGR of minimum 35–38% to get expected return of 1.52 crore
我每个月得到的总收入约为1.5-2万，每个月都有变化。
1.我在日常需求上花费约3~4千，如零食等。
2.我在系统投资计划方面支出2千。
我也投资股票市场，所以我节省了剩余的钱，并在我认为合适的时候进行投资。到目前为止，我在共同基金3.8万、股票市场4.3万。因为我坚信，复利是创造强大财富的唯一途径，因为如果处理得当，复利可以让我们成为亿万富翁。
为了避免未来在动荡的市场中损失，我们只需要在漂亮的50家公司中争取前5名的市场强势品种中去投资。我们还可以管理投资组合，将70%–75%的资金投资于市场强势品种或者买那些处于52周低点的股票，但请记住，它们必须具备良好的基本面。为了创造利润，你只需在未来20年内投资2.5万的股票，复合年均增长率至少达到35-38%，从而获得1520万的预期回报。
Total amount which i get per month is around 15–20k varies every month.
1. i spend around 3–4k on daily needs i.e snacks etc.
2. I have sip of 2k in axix bluechip
3-I do aslo invest in stock market so i save remaining money and invest whenever i thing its right time to do. Till now i have portfolio of around 38k in mutual funds and 43k in stock market which have reliance. because i strongly believe that compunding is only way to creat strong wealth because compounding can make us billioner if done properly.
We just have to go for top 5 market leader of nifty 50 to avoid future loss in volatile market. We can also manage your portfolio by investing 70–75% of ur amount in market leader or stock which your getting at there 52 week low but remember they must have good fundamentals. And for creating welth you just have to invest 25k for next 20 yrs in stock which will give CAGR of minimum 35–38% to get expected return of 1.52 crore
我每个月得到的总收入约为1.5-2万，每个月都有变化。
1.我在日常需求上花费约3~4千，如零食等。
2.我在系统投资计划方面支出2千。
我也投资股票市场，所以我节省了剩余的钱，并在我认为合适的时候进行投资。到目前为止，我在共同基金3.8万、股票市场4.3万。因为我坚信，复利是创造强大财富的唯一途径，因为如果处理得当，复利可以让我们成为亿万富翁。
为了避免未来在动荡的市场中损失，我们只需要在漂亮的50家公司中争取前5名的市场强势品种中去投资。我们还可以管理投资组合，将70%–75%的资金投资于市场强势品种或者买那些处于52周低点的股票，但请记住，它们必须具备良好的基本面。为了创造利润，你只需在未来20年内投资2.5万的股票，复合年均增长率至少达到35-38%，从而获得1520万的预期回报。
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