[Indians] Figured out Financial Independence.

Let’s say you are 30 and would probably live up-to 90. So if you already have a home in tier 2/3 city and if you project to spend 3 lakhs per month including your child education and other expenses, all you need is 216000000 INR At the current exchange rate, 82 INR = $, you need close to 2.63M If you dropdown your expense to INR 100000 and cover other through less stressful job, where you don’t save the income all you need is close to 900K USD. This doesn’t account for the income from interest that you earn if you were to put into Fixed deposit. If you go via income in fixed deposit + low stress job you don’t need to empty 900k-1M pot. Enough to retire in tier 2/3 city and raise a child in a decent school. If you are scared a bit about expenses of parents medical situations, put in additional 300K for them. That’s still 1.2M. Quite achievable number in bay area with two people earning. We don’t need to chase a rat race. What am I missing?