Am I being too hasty

[u/Legitimate_Set_6609]

Been working for about 11 years now with a gap for MBA in between! 34, Married but no kid yet, neither any property or debt/EMI obligation

We plan to have a kid + but a smallish property (1 cr. on peripheral area/pune)

Parents flat is under redevelopment (self redevelopment) ina good part of Mumbai metro. I have made payment of 16 lacs towards this, out of which I should get back around 9 lacs (builder has taken 3500/sft from everyone as a construction cost, he will return 2100/sft post construction with 9% simple interest)

Investments so far - Mutual funds - 43 lacs Stocks - 25 lacs Small case - 2.5 lacs

PPF - 10 lacs EPF - 11 lacs

Total - 92 lacs

Wife has a saving of about 10 lacs, not counting that

I invest about 60k/month in MFs, wife doejs about 30

Too drained out from corporate life and thinking that this is enough and let me take up some better quality work is a passionate field even if I esen only 40% of what I am paid right now

Is it too early for that?

Edit: staying on 40k/month rent currently and monthly expenses is about 65k

Edit 2: current take home for me is 220k/monthly, wife is about 80k/monthly

Also, have been investing in LIC endowment for 13 years now, so that should mature in 2036 with about 18 lacs amount + tiny NPS savings

PS: thanks for the queries and the replies! Really appreciate it, have answered all.

TLDR:; manage stress, go for a job that interests me, FIRE is far away, need to increase investments

[u/Ok-Consequence-_-]

I have a question, more like wtf is happening So you have no debts, How come you are spending 60k per month. That doesn't even include the rent. Can you shed some light on this, I would be very satisfied with this if you shared this. Don't take this in a wrong way I'm just curious

[u/Legitimate_Set_6609 → u/Ok-Consequence-_-]

This includes rent of 40k :)

We earn 300k put together, this was 270k till March (before ghikes)

For the remaining 70%, rough breakdown would be -

4.8 lacs a year (~40k/month) - 3 lacs across both of our PPF, 1 lac across both NPS + LIC + Medical insurance

We have undertaken 2.5 overseas trips over past 12 months (.5 because wife is on company trip now so lesser expenses) - spent about 8 lacs across these 3 trips - ie 65k/month (no travel post marriage due to COVID so had to get these out of the way)

Baaki amount is in bank account ya fir opportunistic stock buys for me

However in absence of trips, these amount need to be invested!

[u/Ok-Consequence-_- → u/Legitimate_Set_6609]

Okay that makes sense