AI taking jobs? Techie warns how long-term EMIs could become a financial burden for software engineers

With the fear of AI taking jobs, a software engineer has raised concerns about long term EMIs. An Instagram user Princi Vershwal posted a video saying getting laid off is stressful. She wrote “getting laid off is stressful. Getting laid off with EMIs to pay is another level.’

AI Could Change The Software Engineering Job Market

In the video, Vershwal said professionals should consider how quickly AI is developing while making major financial decisions. She argued that a software engineer's current package, whether Rs 40 lakh, Rs 50 lakh or Rs 1 crore, may not necessarily remain at the same level throughout the tenure of a long-term loan.

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A post shared by Princi Vershwal (@princi.vershwal)

She then continued in the video by say “If you are a software engineer, no matter what your package is, whether it's 40 lakh, 50 lakh, or 1 crore rupees, do not take any long-term loan, because AI is very real. And unless you have a very solid plan, you cannot bet the financial security of your family on software engineering in 2026. This is very real. I'm not spreading fear here; I'm just telling you what I am seeing happening with my friends. Getting laid off with an EMI, with an EMI coming up next month, is super, super stressful. And it’s possible your job might not go this year, or next year, but software engineering after 15 years, while your loan is still ongoing, a lot will have changed. So be very careful of your financial decisions right now,”

‘I Am Not Saying Software Engineering Jobs Would Disappear’

She then also clarified in her Instagram caption that “I am not saying software engineering jobs would disappear. I am saying 15 years is a very long time to assume our jobs, salaries and skills will stay the same.”

How social media users react

The video prompted several users to discuss the risks associated with long-term EMIs and uncertain job markets.

“This is a much-needed reality check," one user wrote.

Another user commented, “Long-term EMIs can become a huge burden.”

Disclaimer: This article is based on a user-generated post on Instagram. ET.com has not independently verified the claims made in the post and does not vouch for their accuracy. The views expressed are those of the individual and do not necessarily reflect the views of ET.com. Reader discretion is advised.