I am currently working fora leading FMCG company. I have a total experiemce of 20 years + in sales & marketing, Operations . I have been a multitasking individual. My salary is a 1.13 lac per month which is very hard to continue. I was in the insurance , banking but now have been in the FMCG industry for the past 12 years now. I am in a senior level as well. Kindly suggest me what next to do..I want a change and also need a 2nd income to sustain as well.

Hi. I am currently 32 years old male working in a government sector. My take home salary is 1 lakh monthly and it will increase approx. 5% every year (basic 3%, da twice increase min. 4,4%). My NPS (employee and employer) deductions at present is around 25000 every month and will increase when basic increases every year (assuming basic increases by 3% pa without considering future promotions for now). Apart from this I am investing 10k every month in the mutual funds (small, mid and large cap), 5k every month in sukanya sammridhi yojana for my daughters educational needs. Parked 2 lakh in stock market and current value is 4 lakh, 6 lakh in PF (current value inc. interest earned so far), have LIC policy paying rs. 7300 quarterly, have term insurance (increasing sum assured, upto 1 CR for 15 years) and seperate health insurance to cover my family health expenses apart from govt. CGHS. I am repaying some loans (worth 20000 per month) took in the past and all loans will be cleared by 2030 December. Now I want to plan for my retirement (my current household expenses 40 to 45k per month=grocery, clothing, house rent, other misc. Needs), my child education (child current age is 2), her weeding expenses (consider marriage at 25 age), planning to have one more child in a year. I have privilege to join my kids in Kendriya Vidyalaya, so till 12th education expenses you can consider min. I also want to buy a home at the age between 50 to 55 near to Bangalore to old Mysore road (consider approx. Amount for 2 bhk apartment not in city little outskirts like kengeri or little farther). Now please suggest me. How to plan for my retirement, child marriage and education, construction of home