From 3.38 LPA rupee to 1.05 liters/month: Redditor shares a fixed trip to home ownership, large investments in 29

The financial journey for everyone is not a racing to 1 rupee by 30. R/personalfinanceindia. Sayad-GD story is a refreshing reminder that the schedule for everyone is different. His journey sheds light on the rise and landing in building wealth steadily, providing an explicit perspective of striking with many.

“I recently calculated my pure wealth, and here I stand,” Sayad-GD writes before breaking his numbers:

• Fixed sediments (FDS): ≈ $ 6L
• Savage accounts: ≈ $ 4L
• Investment Funds: ≈ 10.22 liters (Investment ≈ $ 8L)
• Stocks
• EPF: ≈ $ 5.6L
• PPF: ≈ $ 3.5l

Thinking about his career, sharing how he started as if he was tormented after engineering with a salary of $ 3.38 LPA. “After 6 and a half years, my monthly salary is about 1.05 liters. He says:” It is not very high, but it is good with me. “

One of the biggest landmarks on his journey was to buy a 3BHK apartment in Colka in 2023. “It was a milestone for me because I spent my whole life in a small rented place,” he wrote. The market value of an apartment is about $ 45, although it does not have plans to sell it.

To finance the house, he got a 25 -year home loan. However, thanks to the increase in machine guns and pre-payment of the parts, he successfully reduced the loan period to 9-10 years. His currently entitled loan is 21 liters, with EMI per month of $ 29,000.

“After 6.5 years of work, this looks like a strong step forward,” he added. “I know it is not a huge net value compared to some, but hey, it is royal, and it gives my father a comfortable house.” More than wealth, his priority is to ensure the welfare of his family. “I just hope that my parents will remain healthy and free from stress forever.”

Reddit users were quick to shower from the post with encouragement.

One commentator wrote, “Congratulations to this pure value. You must be proud of yourself because of the presence of a house in this era. It takes self -confidence to take such a huge home loan. Continue in good work.”

Another user highlighted his salaries: “Most people spend 40 years to earn 1 liter per month. I did so in less than seven years. Isn’t this an achievement?”

Reditur’s colleague is harmonious, “This is great! Just maintain discipline, and you’ll be fine. Don’t forget to indulge in small luxuries in life – she deserves it.”

“The comparison is a thief of joy,” one of the other commentators reminded, praising the position because of his primary and firm perspective. In the cities of the second level, people want 2BHK. Finally, ordinary men publish! Otherwise, it is depression to see leaflets like “I have 100 rupees in 21, do I do a good job?”