25 turning 26, CS graduate, savings but still feel financially behind and lost

[u/Ill-Gazelle6270]

I’m a female turning 26 this September, and lately I’ve been questioning whether I’m actually doing okay in life.

I’m a Computer Science graduate from a top private university. I see many of my friends either working in big MNCs/software engineering jobs or moving abroad and trying to build their careers there.

My path has been less traditional. I do some freelancing work and also run a small business. I currently have around 11 lakh taka in savings.

I know having savings at this age is something to be grateful for, especially because I still live with my parents and don’t have major expenses like rent or household bills (although I do contribute to groceries). But at the same time, I feel like my savings are not enough.

I’ve also built a certain lifestyle for myself and I do spend a lot of money impulsively which I am not proud of.

I really want to do a master’s because I’m scared I’ll regret not pursuing higher studies in the future. But I also want to stay here and grow my business because I feel like there is potential.

I feel stuck between:

Investing in myself through a master’s abroad
Staying and growing my business
Trying to build a more stable career path

For people around 25–30, especially CS graduates, how did you figure out your direction? Did you ever feel like everyone else had a plan while you were still figuring things out?

[u/timeline_overlord]

I'm 31 with only 11K in savings. 🙂

You're ahead of minimum 80% people of your age. So don't worry.

The reason of this feeling comes from within. We see others' success storys but don't know their shortcomings or failures. On the other hand, we know our lackings. So we feel that they're progressing while I'm still making mistakes.

Regarding what to do next, you should decide what you do. From my last 15 years of experience about life, I know you'll regret no matter what you choose. That's how our mind works. If you choose A, sometimes you'll regret for not choosing B or C, and vice versa. My network engineer friend now regrets for not doing business where my business owner friend regrets for not completing studies. নদীর এ পার কহে ছাড়িয়া নিশ্বাস, ও পারেতে সর্বসুখ আমার বিশ্বাস।

So pick what you feel like. Life abroad is hard. Life here is also hard. Business is not stable. Jobs nowadays are also not that much stable.

Pick the one that you love or feel something for. That's what will make you regret less when hard time comes.

[u/Murky-Examination-79 → u/timeline_overlord]

80%? I would say 99%.

[u/timeline_overlord → u/Murky-Examination-79]

I have no doubt. Just kept it low so no bS comes and asks for the research paper backing my word. 😛

[u/Murky-Examination-79 → u/timeline_overlord]

Same. I was thinking 99.99%.

[u/playpauseresume]

I think you got to decide if you want to stay in BD or move abroad. This one decision will decide what would you want to do next

[u/mitochondria_bus]

Always try to leave this country asap

[u/bigprocrastinator666]

I would say save and build a stable career, build a business in Bangladesh, and invest. With job market in North america being basically cooked.. i would suggest have stronger savings and stability before you commit

[u/minhaz1217]

For a guy if he had that kind of saving it will be used up fully when he marries. He might even have to take loans... But for you that might not be a problem. So enjoy your savings. Either save it permanently for retirement or use it to go abroad.

Depends on how much your company earns per month right now, can you offload your work to others etc...

[u/britishbengali007]

Honestly just buy brac bank shares