Sumit Mukherjee

My personal advice June July Aug and Sept are the months where hiring will be in their peak Start applying everywhere Linkedin Wllfound Unlisted Jobs24x Cold Email Cold Call everything I made 4 switch in 4 years and all happened nearly in these 4 months. Start Showing Up.

Dear Men, Running a family on a single income isn't easy -completely understand that. But shaming a woman for not earning is unfair. If you believe one income won't be enough to support a family, then marry later, plan better, or marry someone who also wants to work. What you shouldn't do is blame your wife for not earning after choosing that life together.

Debt is something I've never spoken about publicly. But maybe it's time. I had never borrowed money. No personal loans. No education loans. No home loan. No car loan. Not even credit card debt. I was 100% debt-free. I guess the reason behind that was I saw what happened with us when my father had a little debt and i helped him pay if off during peak Covid times and I did not want to repeat it. And yet the same thing repeated. In September 2024, I took my first loan. ₹4.5 lakhs. Thinking this was just a temporary phase, I'd repay it over the next few years and move on with life. But that's not how things unfolded. A few months later in January 2025, I needed another ₹2 lakh loan. The EMI was around ₹4.5k. At that point, I told myself that this is the last time I'll ever take one. And then life happened again. Around July 2025, I refinanced my first loan. The original ₹4.5 lakh loan became a ₹6.75 lakh loan with a lower interest rate. The old loan was closed, but I now had a new five-year EMI of around ₹15k. Not long after that, I had to take another loan. This time it was ₹3.5 lakhs. It wasn't for buying something I wanted. It was to clear my growing credit card debt before it became even more expensive. And eventually, I refinanced the ₹2 lakh loan as well. That became a ₹4.5 lakh loan, replacing the old one with an EMI of around ₹10,000. Again to clear off my credit card debt. Today, I have three personal loans running and each for 5 years tenure: ₹6.75 lakh ₹3.5 lakh ₹4.5 lakh Together, they add up to an EMI of over ₹32,000 every single month. If I'm being honest, there were moments when seeing those EMI notifications made me question every financial decision I'd made. But, deepdown i knew that the reason behind each loan wasn't splurging money. I took them because I had no other choice left. That goes for the credit card debts as well. Honestly, I'm still finding it difficult to manage it each month but I somehow do it. And I've to keep doing it. I don't have any backup. I'm my own backup.

Should I write about my journey to breaking the debt trap and attain financial independence ? Looking at the current circumstances, it might take me 3-4 years to become completely loan-free.