Hey Maitya, as you may know that golden handcuffs is an agreement which settles to give you the incentives that you would have to relinquish if you quit. If you have already decided to break them and lose the perquisites then I would just tell you to stick to your decision although I would suggest you to analyse well on whether you are doing your optimal job or not and whether or not your handcuffs are actually golden. Once you make your decision to break them, carry it forward. Change your company, get a pay cut and adjust your budget. Work on different things which might get you an extra income and invest well to manage your bank balance.