I know what kind of life I want. I wrote about it in the previous article.

The harder question is how I am going to get there.

I cannot change my life overnight. I still have a job in Dhaka. I still have responsibilities. I still have debt to pay. My family is already in the village, and I am the one living away from them for work.

So I need a plan. Not a perfect plan or a fixed date, just a clear sense of what I have to do before I can make that move.

Right now, I am in the preparation stage.

First, the debt

This is my first priority.

I currently have around BDT 150,000 in personal debt, including a bank loan and a credit card balance. My salary is around BDT 45,000 a month, so I cannot solve everything at once.

I am trying to put around BDT 20,000 a month toward the debt. Part of that happens through the money I send home, and part through the credit card payment I make myself.

It does not always work exactly as planned. Sometimes the money I send home has to be used for other family needs. Sometimes I have to use the credit card again. The last couple of months have been a little unstable because of this.

But I am still bringing the debt down. The credit card balance is already much smaller, and I hope to clear it within the next few months. After that, I can focus more on the bank loan. This part comes first, before anything else.

Then, the emergency fund

Once the debt is gone, I plan to keep the same discipline and put that money into savings instead.

My first savings target will not be an investment. It will be an emergency fund.

My family currently needs around BDT 18,000 to 23,000 a month for basic expenses, and I spend around BDT 10,000 to 12,000 a month living in Dhaka. So the basic monthly need comes to around BDT 28,000 to 35,000.

I would like to have at least six months of that amount saved before I make any major move. That gives me a buffer if something goes wrong.

There may be more saving to do later. But six months of basic expenses feels like a reasonable place to start.

Income that does not depend on one job

This part has already started.

My future should not depend on one salary. At the same time, I do not expect one new business to replace it overnight. I am trying to build several small online income sources instead.

The Passive Circle is my main affiliate marketing project. I started it in June 2025, and I am still trying to develop it into something that can produce stable income.

It has not been easy. The site started mainly around software, tools, WordPress themes, plugins, and tutorials. AI has changed many of those areas, so some of the old content and ideas no longer work in the same way. I am now trying to rethink the site from a more human point of view: how these tools actually help people, and what kind of content is still useful to them. That work is taking time, but I am not giving up on it.

I also have Sumons.com, where I write about my thoughts and ideas. In the future, it may become an income source too.

There is korsheba.com, which focuses on tax-related content and may generate income through Google AdSense.

I am also building social media channels around my content. Facebook and Pinterest are part of that. I plan to start a YouTube channel too, although I still have to learn more about making and editing videos.

I do not know which of these will work best. That is part of why I am building more than one.

Knowing when the numbers are enough

My goal is not to build five successful businesses.

These different sources only have to add up to something that makes my financial situation stronger.

If all of them together can eventually produce around BDT 15,000 to 20,000 a month consistently, that will already feel like an important step. At that point, I would probably watch the income for several more months before making any big decision.

If it later reaches somewhere around BDT 35,000 to 45,000 a month and stays reasonably stable, the situation changes. With no personal debt, a proper emergency fund, and online income close to what I currently earn from my job, I would be ready to seriously consider leaving the job.

That point does not have to arrive tomorrow. I am building toward it.

Starting the village before I move there

I do not have to buy a new piece of land just to begin. My family already has land in our village, and some of it can be used for the things I have in mind.

There is low land where I can eventually make a pond. I would like to use the pond for fish and keep ducks around it. There is also around five decimals of land where I can start a small farm.

I can work on the vegetable garden when I have the opportunity. There is also a small piece of land in front of our house that the owner wants to sell. If it becomes possible for me to buy it, I may use it for a larger vegetable garden.

None of this has to happen all at once. I can develop it little by little when I go home on leave. Bigger things, like solar power and possibly biogas, can come later, once there is enough money and it makes practical sense. The important part is that some of this can start before I leave my job at all.

The final move

This is different from moving a family from the city to the village.

My family is already there. My wife and my two children live in the village. My son is already going to school there. They are living with my parents and the rest of the family.

I am the one who has to move.

That is why I do not have to wait until I can build a perfect home before I return. The house is already there. What is missing is a way to support the life I want to live in it.

Some of what I am imagining, the pond, the garden, the small farm, will take my own time to build. My parents and the rest of the family are not especially interested in it. My wife and I are the ones drawn to this. So I can start some of the work during my visits, but if I want these systems to actually grow, I have to be there myself.

I do not know exactly when

Maybe it will take five years. Maybe ten. It could take longer.

I am not setting a fixed date, because there are too many things I cannot control. My income can change. Family needs can change. The cost of living can change. My online projects may take longer than I expect.

But I can control some things. My debt, my spending, my savings, my alternative income, and the practical skills I learn are all in my hands. I can slowly develop what I already have in the village, and wait until the numbers and the circumstances make the move reasonable.

I am not trying to leave my job tomorrow. I am trying to build a life where I will not have to depend on that job forever.

For now, that means paying off the debt, building an emergency fund, building alternative income, and slowly preparing for life in the village.

That is the plan.