Sash Arsenal

@Anon182696 @miteshrs @sandeepjethwani @_soniashenoy Were you leading luxury lifestyle before & after your father's VRS? Ofcourse is money is needed to survive, but how much?

@miteshrs @sandeepjethwani @_soniashenoy When my dad was 60, I was yet to enter college. And he was forced a VRS, it's been a struggle since then. We do need money and there're a lot of expenses if we have a decent life

If the 40 crore retirement number I shared shocked you, this post is for you. Here is what I said. If you are 40 today, spending 2 lakh rupees a month, with no EMIs to service, and you want to retire at 60, you will need 40 crore rupees. The comments had a lot of pushback. The number feels impossible. It is not. Let me show you why. Two assumptions drive this number. Inflation and life expectancy. Both are higher than what regular retirement calculators assume. Both are right. Start with inflation. Retail CPI in India is 5 to 6%. That is the inflation of atta, dal, and bus fare. It is not the inflation of an affluent household. Private healthcare in India runs at 12 to 14% every year. Domestic staff wages in metros are growing at 10 to 12%. Premium school fees, international travel, club memberships. All of these inflate between 8 and 10%. Blend them and you get 9%. That is the real inflation rate of an HNI lifestyle. Now life expectancy. Most Indians plan their retirement assuming they will live to 75 or 80. That is what national averages suggest. But national averages are pulled down by infant mortality and rural data. They have nothing to do with how long a healthy, affluent Indian actually lives. For a couple aged 65 today, there is a 71% probability that one partner reaches 85. A 44% probability that one reaches 90. Now the math. 2 lakh rupees a month at 9% inflation becomes 11 lakh 20 thousand rupees a month at age 60. That is an annual spend of 1.34 crore. Plan for 30 years of retirement. Your retirement portfolio which is focused on capital preservation (60% fixed income: 40% equity) earns 9%. Your Inflation is also 9%. Your real return is zero. So corpus needed equals 30 multiplied by 1.34 crore. That is 40 crore. Here is the good news. This number is not as far away as it looks. At 12% returns before retirement, 40 crore at age 60 translates to roughly 4 crore today for a 40 year old. The point of this message is not to scare you. It is to make sure you understand the silent erosion of purchasing power that inflation causes.

@sandeepjethwani Total nonsense. Why? Assumes 0% post retirement returns. Do ppl keep 100% cash after retirement? 70/80 yr olds spend for whose kid's education? Even grandkids graduate by then. How many 80 yrs go on fancy vacations, party, eat out, movie? Lifestyle expense goes down in old age.

UEFA is corrupt. Clearly.

Its a clear penalty. They can give a ricochet handball as a penalty, but not a clear contact where the defender is late on the ball. Ridiculous bullshit.

Another penalty. 😂 But no Gyökeres....

Our defense is struggling to track Lookman and Alvarez. Its as if the backline is clueless about who should mark who and close down.

Entire front three swapped. From full on counter attacking profiles to a full on ball control profiles. I don't understand Arteta's subs. Why not let one counter attacking threat stay on?

How many times have Zubimendi gifted the ball to the opposition today?

We need to take the momentum off Athletico and slow down the game with possession.

Altetico turning the screws..

So players should chop off their arms before a football match according to UEFA rules.

Nonsense handball rule. Utter nonsense.

Gyökeressssssss!!!! 🫱👀🫲

Odegaard wins the ball in our box, makes a run into center circle and suddenly stops to wait for players to return back to their position shape. Any momentum for a fast break is dead on its track. Why?? Just why??

Play from the back lose possession in own half. Play from the back lose possession in own half. Play from the back lose possession in own half. Rinse & repeat Rinse & repeat

Usual nonsense. Keep playing the ball backwards from opposition final third till your goalkeeper and then Saliba surrenders possession in our own half. Thats become a theme for us.

Dear o dear o dear. This is the last front three I wanted to see and we start them in the very next game.

@Arsestat_ @SemperFiArsenal Doesn't matter, it depends on whether the defender is in position to block the player from being straight in on goal. Here the defender is between the ball and the goal thus covering it. That's the meaning of being the last man. Keeper isn't the last man here.

@_sash1 @SemperFiArsenal He’s already been fouled here for atleast 3 seconds

This should have been a red card

@fkhanage Gyökeres is so bad, hope we will sell him in the summer and recoup some of the losses.

It could be (and should be) argued that Arteta has done an unbelievable job to have Arsenal top of the league with the forwards he has had available. 🤓

@Arsestat_ @SemperFiArsenal

@_sash1 @SemperFiArsenal Covering man only gets the ball if Gyokeres is not taken down. 🤦🏼‍♂️ if no foul he gets the ball 1st