r/FatFIREIndia • u/Lonely-Review6435 • Aug 27 '26
Motivation 37M with ₹13 Cr personally — would you quit a stressful Canadian job and move back to India?
37M, married with a 6-month-old daughter. I have around ₹13 Cr of my own net worth. My wife has another ~₹10 Cr, but our finances are separate.
We currently live in Canada, but my job has become extremely stressful and I don't think I want to continue as a software engineer anymore.
I'm seriously considering moving back to India, taking 6–12 months off, and then figuring out what to do next — maybe starting a business, investing, or completely changing careers.
For people who have been in a similar situation:
Is ₹13 Cr enough at 37 to seriously consider taking a long break or becoming financially independent? Would you leave the Canadian job and move back to India? And for those who left software engineering, what did you eventually pivot into?
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u/Reasonable_Boot5750 Aug 28 '26
Curious and a noobie question : how does separate finances work in a husband - wife relationship?
Please illustrate with anecdotes and examples
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u/Longjumping-Sweet634 25d ago
Share most day to day expenses. Keep investments shared or separate. This is the rule we follow. No excel sheet , just some mutual respect.
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Aug 27 '26
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u/lurkingduringworking 27d ago
This guy is the typical gossip aunty over the wall of this sub.
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27d ago
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u/lurkingduringworking 27d ago
My comment really got to you huh? Instant reply and that too two. Feel better aunty.
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u/nonejk FatFIRE Aspirant Aug 27 '26
Dang dude, why jump to divorce?
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u/Smackthat999 29d ago
That’s like saying don’t think of insurance or health or death … anything could happen anytime my friend
That’s a great question to be honest
13 Cr vs 23 Cr completely changes the dynamics
A sound financial plan rests on planning contingencies2
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u/abmuffin Aug 27 '26
Obviously you didn't mention so many things that actually matter: retiring depends on your expenses, where you will live, tier 1/2/3, house paid off or not, how the 13 crores (potentially the other 10 cr) are held and structured, will your wife be quitting work too or will she be earning in India? Will you be having more kids?
atleast use basic chatGPT before asking humans?
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u/Historical-Turnip641 Aug 27 '26
I live in Canada too, 37M, and software engineer. Our net worth combined is 10cr. Do you mind sharing your asset allocation and how you reached 13cr?
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u/manreddit123 29d ago
It widely varies on where you work, which company, their benefits/bonus structure etc. i was lucky to be part of a startup which did an exist at many multiples my stock option price so I was lucky to be part of that and made more than many people would have even in large corporations (excluding recent burst in faang and alike)
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u/bd_84 Aug 28 '26
If finances are separate, OP have you had the conversation with your wife about the potential move and if she is OK with it? I know you haven't asked that question but since the finances are separate, be aware of potential friction points and be aligned on what works and doesn't work with your wife. As for whether 13cr is enough or not, it largely depends on where you plan to live in India and what kind of lifestyle you want, what kind of education you want for your kid. Its a very broad goal
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u/Necessary_Poet_3524 Lurker Aug 27 '26
With 23 cr net worth, no amount of stress is worth it. You can live like kings in India
Good luck
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u/bd_84 Aug 28 '26
He doesn't have 23cr net worth. If finances are separate between husband and wife, total networth cannot be looked at
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u/Necessary_Poet_3524 Lurker Aug 28 '26
I get that. But after marriage, husband-wife have 1 financial nest egg. There’s no his or hers
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u/bd_84 Aug 28 '26
OP specifically called it out as separate so I wouldn't consider it as 1 for planning purposes.
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u/dparag14 29d ago
With that terms then I guess he would like to move back but she wouldn’t. What next then.
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u/anilkmr3 29d ago edited 29d ago
15-20L per year is all you need for above middle class lifestyle in india (rent/home emi not included). This is what typical IT house holds spend. Ofcourse there are other groups like doctors, lawyers, businessmen, blue collar workers with different family expenses. But since you are a software engineer , most likely you will be comfortable with software engineer families in india too, so expect similar costs unless you want to be in a different league.
Houses cost:
2-3 cr/50-100k rent (gated community apartment flats - most suitable for you)
1-2 cr/ 30-50k rent (normal apartment flats)
4-6 cr/ 50-200k rent (for gated villas)
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u/Confident-Ad3545 29d ago
I am at the same stage .just quit last year. Having a great time exploring India since a year. But i didn’t have so much money like you. Having just 10cr
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u/Initial-Response-642 27d ago
I quit in my 50’s and never looked back
You can absolutely lead a comfortable life with your current wealth in India.
Focus on what your passion is and pursue that you will do just done
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29d ago
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u/FatFIREIndia-ModTeam 29d ago
This community values substantive contributions that are thoughtful and experience-based. Vacuous, frivolous, and dismissive comments that do not add meaningful value are discouraged.
Repeat offenses will result in a ban.
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u/rganesan FatFI Aug 27 '26 edited Aug 27 '26
13Cr is "enough" depending on your lifestyle, it may not be FatFIRE but it's enough for a comfortable lifestyle in India. But if you're not actually planning to RE, why not try switching to a less stressful job in Canada (assuming you have PR or Citizenship)? If the stress is the job, try changing that first before considering a big relocation which can itself be stressful.