₹7 lakh salary, ₹82 lakh savings: Why this 29-year-old Indian techie still moonlights
Explaining why he continues to work such long hours, Rohit said his family's financial struggles during childhood still influence him.
An Indian software professional has revealed that he earns around ₹7 lakh a month by working two full-time IT jobs. Despite the high income, he says he constantly worries about financial security and the impact of artificial intelligence on the job market.
Speaking on the personal finance podcast Fix Your Finance, hosted by mutual fund adviser Anshuman Sharma, 29-year-old Rohit said he spends 16 hours a day working for two companies — one during the day and another at night.
“I'm working for two companies — one in day and one in night,” Rohit said, adding that one of the jobs is with a US-based company.
Explaining why he continues to work such long hours, Rohit said his family's financial struggles during childhood still influence him.
He recalled that his brother had to give up his education so that he could continue studying.
“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,” he said.
Rohit said the sense of responsibility has stayed with him even after his earnings increased.
Fatherhood, home purchase and AI fears add to the pressure
Rohit said becoming a father brought new financial responsibilities.
"I became a father... my family asked me to buy a car," the Indian employee said.
Soon afterwards, he bought a new car and purchased a 2BHK flat worth ₹85 lakh. Although he now earns a high salary, he said he remains worried about the future because of rapid developments in artificial intelligence.
"The point is, I am doing an IT job and you know, the AI is booming," Rohit said. "I think like if suppose anything goes wrong, my income just got reduced. How I can handle that?"
Has ₹82 lakh in savings but still feels insecure
During the conversation, Rohit shared details of his investments and savings.
"In my mutual funds, yesterday I hit 70 lakh, 2 lakh in stock market, and yeah, 10 lakhs in FD," he said.
His savings total around ₹82 lakh, but he said his future monthly expenses are likely to be between ₹1.3 lakh and ₹1.4 lakh. Once he takes possession of his flat, he expects to pay a home loan EMI of ₹60,000, along with a car EMI of ₹28,000.
Responding to his concerns, Sharma asked, “You have 4 years of your expenses saved up in your assets. What is the stress?”
Aims to save ₹7–8 crore before slowing down
Rohit admitted that his demanding schedule leaves him with very little personal time.
"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.
When Sharma asked whether he would consider leaving one of his jobs to improve his work-life balance, Rohit said he has set a financial goal before making that decision.
"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," Rohit said.
About the Author
Kanishka Singharia is a Senior Content Producer at Mint with a passion for news, trends, and the stories shaping the digital world. She specialises in spotting viral narratives by constantly tracking social media platforms and turning them into engaging, reader-friendly stories. Her work ranges from fast-paced breaking updates to sensitive human-interest features, blending speed with clarity. <br><br> With over four years of experience in news and trend reporting, Kanishka has worked with leading organisations such as Hindustan Times and Times Now. She moves seamlessly between profiling business leaders and telling the stories of everyday people, covering national developments just as effortlessly as the memes and conversations that dominate online culture. <br><br> She also reports on real estate developments and civic challenges in major urban hubs like Bengaluru, Delhi, and Gurugram. Her coverage frequently explores the struggles of startup founders, inspiring journeys of CEOs, and the experiences of candidates dealing with the complexities of visa processes. <br><br> Kanishka holds an undergraduate degree in Journalism from Delhi University and a diploma from the Indian Institute of Mass Communication. Rarely offline, she spends much of her time scrolling through X, LinkedIn, Reddit, Instagram, and Facebook in search of the next big story. When she finally logs off, she enjoys binge-watching shows and exploring cafes in pursuit of good food and better conversations.
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