India, Dec. 16 -- As job uncertainty and layoffs continue to impact India's private sector workforce, many salaried professionals are reevaluating the long-held belief that buying a home in a metro city should take precedence over building a retirement corpus. A recent Reddit discussion has reignited debate over whether financial security and stress-free living should take precedence over long-term home loan commitments.

The post argued that a retirement corpus of around Rs.2 crore, capable of generating a monthly income of Rs.1.25 to Rs.1.3 lakh, can provide the freedom to retire or relocate to a tier-2 or tier-3 city, making home ownership optional rather than essential.

The Redditor questioned why many people commit to Rs.1.5 crore h...