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In this episode of Fix Your Finance, we sit down with a 30-year-old couple based in Gurgaon who collectively earn ₹3.10 Lakh per month. Both Siddharth and Mahima come from strong software engineering backgrounds and have nearly two decades of combined experience in the tech industry.
Despite their high incomes, they’re still figuring out how to align their financial habits and make better money decisions together as a team. We dive deep into their spending patterns—ranging from Siddharth’s gadget obsession and 16 credit cards to Mahima’s disciplined approach to savings and investing in government schemes.
With them, we discuss their desire to buy a home, their confusion around setting a budget, their current rental expenses, and how they can manage discretionary spending while still working toward long-term goals like homeownership and financial stability.
Enjoy this episode of Fix Your Finance Ep no.102 #personalfinance #fixyourfinance
00:00 – Couple’s Monthly Income & Spending Habits
01:59 – Meet Siddharth & Mahima: Career & Financial Background
03:24 – Company Benefits & Compensation Breakdowns
04:46 – Pre & Post-Marriage Investment Mindsets
07:03 – Monthly Expenses: Rent, Commute & Lifestyle Costs
09:50 – Impulsive Buying, Credit Cards & Financial Discipline
11:00 – Savings, SIPs & Investment Strategy
13:02 – Planning for a Home: Real Estate Market Dilemma
17:27 – EMI Affordability vs. Home Loan Duration
21:00 – Must-Have Financial Safeguards Before Buying a Home
(Timestamps Credits – Pradeep Sharma)
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Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
Music licensed by Epidemic Music
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