2 flats, ₹39,000 rent, ₹85,000,000 savings: Can this Delhi couple retire early? X user asks | Today’s news
The financial content creator sparked a debate on social media after he shared that a Delhi-based couple, both 43, are planning to take early retirement from their jobs in the next three to four months. In a post on X, Amit Arora shared how a couple is thinking about relying on their savings and rental income to fund their retirement.
The post sparked discussion about early retirement, home ownership, inflation and the amount of money needed to maintain a lifestyle without a monthly salary.
Arora revealed that the husband earns around ₹1.5 million per month while his wife earns ₹22,000 from school fees, making their total monthly income around ₹1.72 million.
The couple also owns fixed assets – one of which is a house with no debt in value ₹80 million, which generates ₹monthly rent 17,000; the other property is financed through a loan and provides approx ₹Rental income 22,000 per month.
Arora also shared that the couple has no children and has decided not to have any in the future.
“My uncle and his wife, both 43 and living in Delhi, have decided not to have children.
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His wife earns ~ ₹22 thousand per month from school fees.
My uncle earns ~ ₹1.5 l/month.
Already own a ₹80L debt free apartment that earns rent and recently bought another property with a home loan.
Current Savings ~ ₹85 l.
Their plan is to work for the next 3-4 years,” reads the post on X.
Although they own two properties, their monthly expenses hover around ₹42,000. They are not planning for an expensive retirement and do not intend to significantly increase their lifestyle costs.
The couple plans to work for the next 3-4 years
The couple intends to stay in employment for another three to four years before retiring.
During this period, they can continue to contribute to their investments and build an emergency fund while allowing their existing corpus to grow. The key question is whether, at the time of their retirement, their investment and rental income will be sufficient to cover inflation-adjusted expenses without the support of regular salaries.
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The plan highlights the difference between having substantial assets and sufficient cash flow in retirement. Property can add significant net worth, but rental income, loan repayments, maintenance costs and taxes need to be factored into the actual income calculation.
X users are debating property, savings and early retirement
Arora’s post drew mixed reactions to X, with users debating whether spousal ownership enhanced or complicated their early retirement strategy.
One commenter pointed to the importance of debt-free assets, saying:
“A debt-free apartment here does more work than a salary. The gross rental yield in India is around 5%, so an 80l apartment is roughly 33k per month before maintenance and taxes. Most early retirement mathematicians quietly assume that the apartment pays more than it does.”
Another user questioned the decision to continue accumulating wealth when the couple has no children, asking:
“If you don’t have kids, what are you going to do with the apartments you own? Why not spend it all on the holidays?”
(Disclaimer: This report is based on user-generated content from social media. Livemint has not independently verified and does not endorse these claims.)
