They earn Rs 4 lakh per month, have a Rs 4 crore home, yet can’t have kids. Investment expert reveals why: ‘The house won’t survive…’

They earn nearly Rs 4 lakh per month. Yet, one high-earning couple has delayed parenthood because they have been inundated with financial pressures mostly created by a home loan. Their case was shared by a SEBI-registered investment advisor.

After the husband asked SEBI RIA Vivek S G for guidance on how to accumulate 70 lakh by December 2028, when their flat is supposed to be turned over, Vivek disclosed information on the couple's finances in a LinkedIn post.

According to Vivek, the lady earns ₹1.61 lakh and saves ₹1.31 lakh, while the husband earns ₹2.35 lakh and saves ₹84,000. Each month, they together save ₹2.15 lakh.


The wife's father has already given the pair ₹2 crore toward the ₹4 crore home. By the time of possession, they must now set aside an additional ₹70 lakh for interiors and registration.

Vivek estimates that the couple might earn about ₹65 lakh if they invest all of their monthly surplus in short-term debt instruments for the following 28 months. "Slightly short of ₹70 lakh, but close enough to bridge," he said.

He did, however, note that in order to reach the goal, the couple would have to allocate almost all of their monthly savings for the following 28 months to the house. "What that necessitates is the issue. He stated, "Every rupee they save over the next 28 months goes toward this one goal."They have made no contributions to their emergency fund, retirement corpus, or kid planning, but they arrive on handover day with the interiors funded," Vivek wrote.

He also explained that the financial burdens will not ease once they move into the property.

Vivek pointed out that the couple would need to borrow the remaining ₹2 crore through a housing loan. Based on an annual interest rate of 8.5% and a repayment period of 20 years, he estimated that their monthly equated instalment (EMI) would come to approximately ₹1,73,565.

He also considered how financially sustainable the purchase would be if one of them suddenly stopped earning. If the woman were to take time away from work because of maternity, a job loss, a career break or the illness of a parent, the couple’s monthly surplus would fall to ₹84,000. With an EMI of ₹1.73 lakh, this would leave them with a deficit of roughly ₹89,000 each month.

The situation would still be challenging if the man were the one to stop earning. In that case, their available surplus would be around ₹1.31 lakh, leaving a monthly shortfall of approximately ₹42,000 against the home-loan payment.

Vivek concluded that the property would therefore be difficult to sustain on a single income. The financial commitment would depend on both partners continuing to earn at their present income levels consistently throughout the 20-year loan tenure.

He then advised aspiring homeowners to buy a home that can survive on one income