12d • General discussion
The biggest lie about building while employed.
That you need to find extra money. You do not.
You need to redirect what you already have.
Here is exactly what my budget looked like for 18 months.
Income: ₹160K/month
Fixed expenses: ₹70K (home loan, utilities, groceries, transport)
Left over: ₹90K
I cut spending on eating out, subscriptions, shopping, coffee and weekend trips.
Total cut: ₹40K/month
Where that 40k went.
Courses and books: ₹15K
Testing and validating ideas: ₹10K
Building a safety buffer: ₹15K
₹40K a month for 18 months equals ₹7.2 lakhs.
That is what funded my exit.
What I did NOT cut.
My health. Home workouts and quality food were non-negotiable.
My relationship. Evenings with my partner were sacred.
My sleep. Rest was part of the plan not the sacrifice.
I was not miserable. I was intentional.
Now it is your turn.
Calculate your monthly income. Subtract your fixed expenses. What is left?
How much of that can you redirect towards building your exit?
Start there. That is your homework.
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The biggest lie about building while employed.
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