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Himani
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Himani
@RewritingHimani
Full time marketing specialist. Part time Vibe coder. Currently trying to get rich.
2026 Katılım Ağustos 2022
565 Takip Edilen373 Takipçiler
@Sahil_Gulihar_ @arjunaditya_ I wanna browse your brain now. for more idea’s.
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@RewritingHimani @arjunaditya_ pls add a mystery dropbox type animation if the periods are late 🥰
A promotion to those "growing a pet together" app
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Guys i am actually doing let me how you can help me in validating the idea or MVP.
would love any support.
Himani@RewritingHimani
let me make period tracking app but for Couple’s especially so man can be informed by their girlfriend health.
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From today starting vitamin C too
Krishna@Twinkyboikrish
Starting to take vitamin B12 everyday from today
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@RewritingHimani just vibe coded it and now i can't see your account 😭
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Himani retweetledi
2 reasons Why pay of labours in India will never increase:
- the reason pay is low because the supply of labour is abundant and there are always some people who will do the work cheaper.
- right now the pay of labours is cheaper than the automations (machines), if they increase pay of labour , the cost of production will increase, their overall
Profit will suffer.
So, if they agree to spend more money, why won’t they just invest in automations. It will be easier to
Manager, they cut down expenses (a lot of supervisor positions) and overall balance everything.
The only reason there are factory workers existing is because they are cheap. As soon as they become costly, they will
Be replaced.
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You don't need ₹5 crore to be free.
You need "Level 1 Fu*k You Money."
Here is the exact breakdown for every 20s something-year-old in India.
It's a long post, so if you are not serious about life, You can skip.
Lets start,
Most people in their 20s hear "financial freedom" and start picturing retirement.
A farmhouse in Goa. No meetings. Never working again.
So they do nothing. Because ₹5 crore feels like a dream when you're making ₹8-12 LPA at your first job and splitting rent in a metro city with three other people.
That's the wrong thinking completely.
Financial freedom isn't one destination, where you reach by doing something specific.
there are levels to it.
And Level 1 , the one that actually matters right now is not about retirement. It's about something far more immediate, present, now.
It's about the freedom to quit your job without any second thought, without any worry about life.
1) What is Level 1 Fu*k You Money?
It's a simple equation
- 6 months of runway + one high-demand skill = Level 1
That's it.
Not ₹5 crore.
Not a big stock portfolio.
Not 6 passive income streams.
Just six months of expenses sitting in your savings account and a skill that the market wants badly enough to pay you for within 45 days of searching.
Let's make this the base.
2) The Runway Number
Let's say you live in Bengaluru. Your monthly burn:
Rent (PG or flat): ₹15,000
Food: ₹6,000–₹8,000
Transport, phone, internet: ₹2,000–₹3,000
Subscriptions, misc: ₹2,000
That's roughly ₹30,000–₹40,000 per month. (Added a buffer percentage)
Six months of that = something approx Rs. 2 lakhs
That's your number. Not ₹1 crore. Not even ₹10 lakh.
₹2 lakhs sitting in a liquid fund or a savings account (opt for high yield savings account if you can).
If you're making ₹8-12 LPA and you're reasonably disciplined, you can hit this within 12 - 18 months. (again added a buffer for obvious reasons)
You can fill it up Faster if you have a side hustle.
Whatever city you are in or whatever money you are making, the equation is same.
3) The Skill Part (This Is The One People Skip)
Here's what most people ignore- the runway alone does nothing without the skill.
Runway gives you time. The skill gives you options to explore.
The skill is what turns "I have 6 months" into "I have 6 months and I can land a job or client in 4-6 weeks."
Without the skill, 6 months of savings just means 6 months of anxiety and you will always be counting your days down.
You had a job, you have been doing it for some time, so before quitting make a plan, make a map for youself, what you are good at, what you need to improve and what job or money stream you want to tap in next.
I won't dwell over what jobs you can target because thats for another thread, but look for things that are untapped, maybe PM, Cloud, etc. You all know better about tech jobs. I am a stats guy, i only know and care about the numbers.
4) Why This Change Things
Here's what Level 1 actually gets you.
Say your manager is passive-aggressive. Takes credit for your work. Gives you the worst tasks. Talks down to you in standups.
- Without Level 1: you stay. You silently hate it. You tell yourself you'll leave "someday." You watch your confidence vanish slowly, like a battery that never charges back to 100%.
- With Level 1: the math changes completely.
You have 6 months of expenses. You have a skill the market wants. You know .not hope, not wish ,you know, you can quit now , take some rest and that you can land something else.
So when your manager pulls that nonsense again, or you are not satisfied wih your job, you're not scared. You're calm. You start your job search from a place of stability, not desperation or anxiety or fear.
That calm? That's freedom.
Not a beach in Goa. Just the ability to walk away from a bad situation without it destroying your life.
That's what 22-year-olds in tech actually need.
Not a retirement plan. A cushion to land safely.
5) The System to Get There
There's no secret. The math is boringly simple.
>- Step 1: Know your exact number.Calculate your monthly burn. Multiply by 6. Write it down. That is your Level 1 target.
>- Step 2: Cut to the bone for 12 months. This doesn't mean strangling yourself. It means making awake choices.
simple habits will take you closer to your number
Cook at home 5 days a week instead of ordering Zomato daily.
Cancel subscriptions you use twice a month.
You're not actually sacrificing your life. You're just compressing the timeline to reach that number.
>- Step 3: Build the skill in public. Pick one skill. Go deep, not wide. Then put your work online, GitHub, LinkedIn, Twitter/X.
Document what you're learning. Share small wins. Write about problems you solved.
This does two things:
a) it accelerates your learning and it builds an inbound reputation.
b) People hire people they already trust. Posting consistently is free marketing for yourself.
A fresher who has 6 months of niche projects on GitHub and writes about them weekly will get calls faster than someone with a better CGPA who is invisible online.
>- Step 4: Side income is just a multiplier, not a plan.
Don't build your whole plan around freelancing. It's inconsistent early on.
But a freelance project here and there can accelerate your runway timeline by 3–4 months.
One ₹25,000 freelance project will reduce your timeline to level 1 by one month.
6) What Level 1 Is NOT
- It's not ₹10 lakh in investments.
- It's not "I'll start when I get my next raise."
- It's not waiting until you "feel ready."
- It's not a stocks portfolio
It's liquid cash, accessible within 3–5 business days without penalty and a skill you can deploy immediately.
Investments come at Level 2. Equity. SIPs. Index funds. That stuff matters. But you can't build Level 2 without Level 1 as the foundation.
Don't invest in stocks with money that's supposed to be your cushion.
I will write about level 2 in coming days and all the way upto level 5. I am currently at level 3.
7) The Real Reason Most People Don't Do This :
It's not that they can't.
It's that they don't think the goal is achievable, so they never start.
₹5 crore feels impossible at 22. So they do nothing.
₹2 lakhs in a liquid fund feels real. Boring, even. So it doesn't feel like "financial freedom."
But that's exactly the point.
The most powerful things in your 20s don't look flashy or dramatic. They look like boring decisions made over time.
Cooking on weekdays. Saying no to a few night outs.
Opening one more tab to apply for a job.
Writing one post about what you learned this week.
None of it feels like freedom in the moment.
All of it becomes freedom, silently, over 12–18 months.
8) Your one task this week:
Open a spreadsheet. Write down every rupee you spend in a month. Multiply by 6. That's your Level 1 number.
Look at that number.
It's probably not as far away as you thought.
Now pick the skill. Go build it.
Level 1 is closer than retirement.
It's closer than you think.
And it's worth everything.
If you read it till the end, well done, you are gonna make it.
I am shubham and I have a degree in statistics from BHU and I write economics articles and posts.
Drop a comment if you want some specific topic from personal finance, tomorrow maybe I will write about liquid funds and where you can put down your money.
Thank you for reading.
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@aShubhamz usefull tips, can you add a bonus tips about the people who are kind chocking because of responsibility and are not able to save up.
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There is a specific kind of loneliness that only exists in San Francisco.
You are surrounded by the most ambitious people on earth.
Everyone is building something. Everyone has a vision.
Everyone is making their lives better.
And somehow you have never felt more alone in a room full of people in your life.
Because nobody is just having dinner. They are networking. Nobody is just going for a walk. They are doing active recovery. Nobody is just your friend. They are a potential collaborator.
The city runs on potential energy and somewhere between the happy hours and the pitch decks you realise you cannot remember the last conversation you had that wasn't going somewhere.
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@RewritingHimani > 5k loyal followers
> has an alt account
> working on it
> farm me hi house hai (does it count?)
> has 1 cow and 2 buffalo
> growing
> yes, WFH
> living with family
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@Sahil_Gulihar_ @RewritingHimani 😭😭😭😭
This may go viral if she implements this
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@Sahil_Gulihar_ @arjunaditya_ I am stealing this, sir... and definitely making it.
I generic hai, but men ko targeted nahi hai. i wanted that couple market segment. let me know what you think
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@arjunaditya_ @RewritingHimani generic idea hai.
notis can be added and girl can press "oh no early delivery" button lol
make the UI like zomato "your order is running a little late" and something🤣
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@bissuusingh Yes, but couple's. more niche down to man who love their wife and girlfriend and want to know more care more.
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Nigga eating ingredients
JIA@Sugarc0ating
My friend told me this looks like prison food 😭?! This is one of the healthiest plates I’ve ever had for dinner
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