Инвестор работает по 16 часов в сутки ради «безопасной суммы», несмотря на наличие 82 лакха сбережений

The man, identified only as Rohit, called into the show hosted by podcaster and mutual fund advisor Anshuman Sharma, and what followed was less a success story and more a case study in why doing well on paper doesn't always feel like doing well in real life. Two Jobs, One Body Rohit didn't ease into the topic. He opened by explaining the arrangement straight up. "I'm working for two companies, one in day and one in night," he said. That schedule eats up 16 hours of his day, and one of the two jobs is with a US-based company.Sharma's next question was the obvious one: why keep this pace up at all, given the money already in the bank? Rohit's answer had nothing to do with spreadsheets. He grew up in a household where only one sibling could afford to study further, and his brother stepped aside so Rohit could take that chance. "Only one person could study… so my brother taught me. It's like a burden on me that if I can't do it, it's like a family failure," Rohit said. That sense of obligation, more than any number on a bank statement, appears to be what keeps him going. The Numbers Don't Add Up to Anxiety. At Least Not on Paper On the surface, Rohit's finances look solid. He recently became a father, which brought a fresh set of family expectations and expenses. "I became a father... my family asked me to buy a car," he said.Soon after the car came a 2 BHK flat worth ₹85 lakh. Once the home loan kicks in, his EMI will run to ₹60,000 a month, on top of a ₹28,000 car EMI, pushing his total monthly expenses to somewhere between ₹1.3 lakh and ₹1.4 lakh, still comfortably within what his dual income covers. When Sharma asked him to lay out his savings, Rohit didn't hesitate. "In my mutual funds, yesterday I hit 70 lakh, 2 lakh in stock market, and yeah, 10 lakhs in FD," he said. That's over ₹82 lakh in savings for a 29-year-old, enough, by Sharma's own calculation, to cover roughly four years of expenses without any income at all. "You have 4 years of your expenses saved up in your assets. What is the stress?" Sharma asked him directly. The Fear Behind the Fatigue Rohit's real worry, it turned out, wasn't his current balance, it was what might happen to his income tomorrow."The point is, I am doing an IT job and you know, the AI is booming," he said. "I think like if suppose anything goes wrong, my income just got reduced. How I can handle that?" That fear is what's driving the 16-hour days, even at the cost of everything else. Rohit admitted the toll is showing. "It's very rare that I am giving time to people and all. So in that situation, I just want to go out," he said. What Would Be Enough? Asked whether he'd consider dropping the day job to reclaim some of that time, Rohit laid out a target instead of an answer."In next 5 to 6 years, I want to save up to 7 or 8 crores. Then I will just leave that job and only continue my US job," he said. It's a plan built entirely around a future number, one that, going by the conversation, keeps moving further away the closer he gets to it. Whether ₹7-8 crore turns out to be the finish line, or just the next milestone before another one appears, is the question Sharma's exchange with him left hanging in the air.