From Rs 3.38 LPA to Rs 1.05L/month: Redditor shares steady journey to homeownership, significant investments at 29

Not everyone’s financial journey is the Crore race of 30. Reddit user, Sayad-Scroll, shared his honest and detailed history of his financial progress on 29 r / personalalfinanceindiaThe story of a number of Sayad-spoisters is a refreshing reminder that everyone’s schedule is different. His journey implies the ups and downs of steady wealth, offering a sincere prospect that has thrown a chord with many.

“I recently calculated my net worth, and that’s where I stand,” Sayad-sphere before destroying its numbers.

• Fixed deposits (FDS). ≈ ₹ 6l:
• Savings accounts. ≈ ₹ 4l:
• Mutual means. ≈ ₹ 10.22L (Investments ≈ 8L)
• Shares. ≈ ₹ 1.2l (Investments ≈ 85k)
• EPF. ≈ ₹ 5.6 l
• PPF: ≈ ₹ 3.5 l

Referring to his career, he shares how he started as fresh than 3.38 LPA salary after engineering. “My monthly salary is about 1.05 liters after 6 and a half years. It’s not very high, but it’s ok with me, “he said.

One of the biggest most important points of his journey was to buy 3 apartments in Colcata in 2023. The market value of the apartment is about 45 liter, although he has no plan to sell it.

He took a 25-year credit loan to finance the house. However, due to SIP and part prepayments, he successfully reduced the loan for 9-10 years. His current outstanding loan is standing at 21l, a monthly EMI of ₹ 29k.

“After 6.5 years of work, this feels strong steps forward,” he added. “I know it’s not a mass network compared to some, but Hey is mine, and it gives parents a comfortable home.” More than wealth, its priority ensures the welfare of the family. “I just hope my parents remain forever and stress forever.”

Reddit users quickly shaked that position with encouragement.

One commentator wrote: “Corresponding Congratulations on this net value. You have to be proud of yourself to have a house at this age. He demands confidence to take such a huge loan. Continue the good job. “

Another user highlighted the salary growth. “Most people spend 40 years to earn 1 liter. You did it for seven years. Isn’t that an achievement? “

Perfect Redditor has entered. “This is great. Just save discipline and you’ll be fine. Do not forget to surrender to the little luxuries of life. Worth it? “

“The comparison is a gick of joy,” said another commentator, praising that position justified and relatively. “People in the 2nd cities want cavities for 2bhk. Finally, normal games are posted. Otherwise, it is overwhelming to see how I have ₹ 100 Crore 21, I’m doing good. “