Can you afford to switch?

The money maths of a career move

Free live session · Saturday 31 October 2026, 10:30–11:30 am IST · 45 minutes live, then 15 minutes of questions, on Zoom

If you are in your 30s or 40s and thinking about a different role, a new field, a sabbatical or a business of your own, the question underneath all of it is usually the same: will the money hold up? This session works through the three numbers that decide whether a move is affordable, using a worked example, so you leave able to do your own.

You’ll leave with three numbers

1. Monthly burnWhat a month actually costs you: essentials, optionals and EMIs, separated.

2. RunwayHow long your liquid savings last at that burn, and why “six months” is the wrong rule for a switcher.

3. Switch budgetWhat a 0, 20 or 40 per cent pay cut over two years does to SIPs, insurance and EMIs.

How the hour runs

A short story about two people on the same salary who made opposite decisions, and why the maths, not the courage, was the difference.
We build the three numbers live for a hypothetical “Priya, 36, product manager, one EMI”, box by box, on a one-page worksheet you receive before the session.
Five things to fix before you resign: emergency fund location, health cover outside your employer, EMI checks, notice-period cash, the family conversation.
Fifteen minutes of your questions.

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You’ll get a confirmation email with the Zoom link straight away, the one-page worksheet two days before the session, and the recording afterwards even if you can’t attend live. One email list, unsubscribe any time.

What this session is, and isn’t

It is a teaching session: general principles and hypothetical numbers, so that you can work out your own. It is not personalised advice, and nothing product-specific will be recommended. Bosco Peter is not a SEBI-registered investment adviser; for decisions about your own money, consult one.

P.S. In the last few minutes I’ll say a little about The Switch Plan, a small four-week group starting Saturday 14 November 2026 for anyone who wants to build their full plan with me. No obligation; the session stands on its own.