India, June 23 -- A 30-year-old professional has turned to the internet for realistic financial advice after a major promotion bumped his monthly take-home salary by 40%. The developer said his income jumped from Rs.1.1 lakh to Rs.1.55 lakh per month, leaving an extra Rs.45,000 idle in his bank account. He claims that he genuinely has no plans for lifestyle inflation, but the sheer variety of modern investment options has left him feeling too overwhelmed to deploy the surplus cash.

The 30-year-old wrote, "Was at 1.1L/month take-home, now at 1.55L. No lifestyle inflation planned, genuinely. Current setup: 15k SIP in equity MFs, 5k RD, 8L emergency fund, no debt. The 45k extra per month is just sitting in the salary account. I know I shoul...