A Reddit user from Bengaluru has gone viral after sharing his inspiring journey from modest beginnings to building a net worth of ₹1 crore — all before turning 30. His story stands out for its emphasis on steady growth, discipline, and zero reliance on shortcuts, inheritance, or sudden windfalls.
The viral post was titled: “Milestone Check: Started at ₹2.4 LPA at 23, Achieved ₹1 Crore Before Turning 30.”
“This isn’t a boast. It’s my story — a reminder that no matter where you start, with patience and persistence, things can change,” the user wrote. He began by recounting his early life, growing up in a low-income household where his father earned just ₹8,000 a month. Finances were always tight, yet he managed to get into a decent private school and later secured admission into an engineering college.
“College fees were hard to afford. Loan applications were rejected, but relatives stepped in and helped us pull through,” he shared.
By his third year in college, he discovered a passion for programming. “Electronics slowly took a backseat, and I dove into writing code,” he recalled.
His professional journey began in 2018 with a placement at a service-based company, earning a starting salary of ₹2.4 LPA — about ₹15,000 a month.
“I was terrified. How do you survive in a city like Bangalore on that kind of salary? Turns out, a 3-sharing PG with friends and a talent for stretching ₹500 like it’s ₹5,000 can go a long way. We even had fun. Tons of it,” he wrote.
His first big break seemed to arrive in early 2020 when he cleared interviews at a Big 4 firm for a role offering ₹6–8 LPA. But then the pandemic hit. Lockdowns began, and the offer quietly vanished — no calls, no emails, just silence. Still, he didn’t give up.
In April 2021, things finally turned around. He landed a ₹12 LPA offer from a healthcare startup. There was one catch: he had to cut his notice period down to 60 days. As luck would have it, he was between projects at his current company, and his manager let him go in just 15 days.
“Joined the healthcare startup in April 2021. The work was great. Team was solid. For a while, everything was smooth,” he shared.
After more than a year at the startup, he began to notice a trend — colleagues were leaving one after another, part of what would later be dubbed the “Great Resignation.” Feeling inspired, he began applying again — and ended up with 13 job offers.
He ultimately chose a ₹32 LPA offer from a product-based company. Thanks to stock grants and other benefits, his total compensation has since grown to ₹45–50 LPA.
The Reddit user candidly admitted that his financial journey started off on shaky ground. Until 2020, most of his savings sat idle in his salary account or fixed deposits. His first “big” investment was a ₹3.5 lakh monthly payout FD, which he naively believed was a solid retirement plan.
“Then I found YouTube finance. Watched a lot of Pranjal Kamra. Got introduced to SIPs, mutual funds, compounding — basically the whole adulting starter pack,” he recalled.
Today, he invests ₹71,000 each month, manages a take-home salary of ₹1.6 lakh, and still enjoys occasional Zomato indulgences and travel. He’s also secured his future with health insurance for both himself and his parents, along with a term insurance policy.
Despite his financial rise, he lives modestly. He still uses a phone from 2019, wears mostly free company T-shirts, and walks around in ₹250 shoes with ₹1,000 soles. “For me, comfort beats status,” he said.
“For now, this works. I’ve never felt the urge to chase luxury. Hopefully, by 35–40, I’ll reach a level of Financial Independence (FI) that lets me choose peace over paychecks,” he added.
Looking ahead, he revealed plans to make one final career move within the next year or two. His ultimate goal? To stop working by the age of 45 — or sooner, if his finances allow.
“By then, I believe my investments and savings should be enough to cover my expenses. After that, I’d like to focus on other things — health, travel, hobbies, maybe even helping others who are where I once was,” he said.
In closing, he offered a word of encouragement to those just starting their journeys:
“If you’re starting out and feel lost, trust me — you don’t need to have it all figured out. Just keep moving. Be frugal where it matters, splurge where it counts, and never underestimate the power of compounding — both financial and career-wise.”
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