In IT, the new retirement age isn't 60. It's inching closer to 45. And that's not an exaggeration - it's a structural shift:
According to investment advisor A. K. Mandhan, many large companies treat 42-45 as a soft exit point calling older employees "payroll cholesterol."
Wired reports that post-layoffs, many tech professionals over 40 face hidden ageism and are quietly filtered out of hiring pipelines.
X (Twitter) and Google have faced lawsuits for disproportionately laying off older employees during restructures.
So when a finfluencer tells you to "just rent and invest the rest"...
Ask yourself:
What if your career plateaus or ends at 45, not 60?
Owning a fully paid house by 45 is no longer just a milestone. It's a moat.
Here's why:
You may need to switch careers, start a business, or consult.
Your kids may be nearing college.
The market won't care how loyal or skilled you were - just how "cost-effective" you are.
A home gives you stability when income becomes uncertain. No rent. No EMI. No eviction fear. Just dignity.
Real estate is not just an asset - it's your financial fallback plan.
Buy early. Pay it off by 45.
According to investment advisor A. K. Mandhan, many large companies treat 42-45 as a soft exit point calling older employees "payroll cholesterol."
Wired reports that post-layoffs, many tech professionals over 40 face hidden ageism and are quietly filtered out of hiring pipelines.
X (Twitter) and Google have faced lawsuits for disproportionately laying off older employees during restructures.
So when a finfluencer tells you to "just rent and invest the rest"...
Ask yourself:
What if your career plateaus or ends at 45, not 60?
Owning a fully paid house by 45 is no longer just a milestone. It's a moat.
Here's why:
You may need to switch careers, start a business, or consult.
Your kids may be nearing college.
The market won't care how loyal or skilled you were - just how "cost-effective" you are.
A home gives you stability when income becomes uncertain. No rent. No EMI. No eviction fear. Just dignity.
Real estate is not just an asset - it's your financial fallback plan.
Buy early. Pay it off by 45.
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