Over the last many years, I have read investing books + studied markets + spoken to wealthy Indian families + observed how money impacts people's life.
👉Sharing my 11 key learnings!
A detailed 🧵 on wealth, kids, freedom, investing & what being “rich” truly means!
👇Dive in..
👉Sharing my 11 key learnings!
A detailed 🧵 on wealth, kids, freedom, investing & what being “rich” truly means!
👇Dive in..
1. "The magic of starting early"
Wealth rewards those who begin early, not those who rush late.
• ₹5000/month SIP for 30 yrs @12% CAGR = ₹1.75 crore
• ₹15,000/month SIP for 15 yrs = just ₹75 lakh
Starting early buys you compounding. Starting late forces you into a lot of unnecessary catching up. A 25 ys old investor can beat a 40 yr old with 3x salary !
Wealth rewards those who begin early, not those who rush late.
• ₹5000/month SIP for 30 yrs @12% CAGR = ₹1.75 crore
• ₹15,000/month SIP for 15 yrs = just ₹75 lakh
Starting early buys you compounding. Starting late forces you into a lot of unnecessary catching up. A 25 ys old investor can beat a 40 yr old with 3x salary !
2. "What we think wealth looks like"
In our culture, we often think someone is wealthy if they own a big flat in South Bombay or Gurgaon, take multiple foreign trips a year, drive a luxury SUV & have a consistent flow of income.
But actual wealth looks like:
• Waking up without stress
• Living a life on your own terms
• Earning even when you’re not working
When money stops controlling you & starts working for you, that’s REAL wealth !
In our culture, we often think someone is wealthy if they own a big flat in South Bombay or Gurgaon, take multiple foreign trips a year, drive a luxury SUV & have a consistent flow of income.
But actual wealth looks like:
• Waking up without stress
• Living a life on your own terms
• Earning even when you’re not working
When money stops controlling you & starts working for you, that’s REAL wealth !
3. "A different way to measure rich"
Having ₹1 crore means nothing if your monthly spending is ₹80,000. You’ll always feel pressure.
But someone with ₹25 lakh, no loans, and ₹20,000 expenses can live peacefully.
Being rich isn’t about how much you have. It’s about how much you actually need to feel free !
Having ₹1 crore means nothing if your monthly spending is ₹80,000. You’ll always feel pressure.
But someone with ₹25 lakh, no loans, and ₹20,000 expenses can live peacefully.
Being rich isn’t about how much you have. It’s about how much you actually need to feel free !
4. "Legacy is more about how you lived, not what you leave behind"
My wife’s uncle is in his 80s, living a nice retired life in Noida. His Net worth over ₹15 crore which includes few properties, stocks, gold, PPF & FD's & all untouched.
His kids are abroad, doing well & honestly not interested in his wealth. He saved it all for them, but they don’t need it.
The new generation I understand are chasing meaning & new values more than inheritance !
My wife’s uncle is in his 80s, living a nice retired life in Noida. His Net worth over ₹15 crore which includes few properties, stocks, gold, PPF & FD's & all untouched.
His kids are abroad, doing well & honestly not interested in his wealth. He saved it all for them, but they don’t need it.
The new generation I understand are chasing meaning & new values more than inheritance !
5. "Retirement is longer than you think"
Most people retire by 58/60, but with average lifespans now beyond 75/80, we are looking at 15+ years with no active income.
Majority of indian families have no second income, no retirement plan & no idea how much they will need.
Retirement is a full phase of life which needs planning, clarity & steady cash flow to maintain your lifestyle. The sooner one understands this, the better !
Most people retire by 58/60, but with average lifespans now beyond 75/80, we are looking at 15+ years with no active income.
Majority of indian families have no second income, no retirement plan & no idea how much they will need.
Retirement is a full phase of life which needs planning, clarity & steady cash flow to maintain your lifestyle. The sooner one understands this, the better !
6. "The emotional real estate trap/Jaal"
Your ₹1 crore flat that gives just ₹35,000 rent per month hardly giving returns (post expense/tax) of 2-3% annually. It feels like a solid investment to most because it’s real & visible, but there's a catch.
The same money, if invested in a good mutual fund could earn ₹8–10 lakh a year over time & is tax efficient too. Real estate offers comfort (notional), but not always productivity. If your money is parked in something just because it feels comfortable / familiar, you may be losing years of growth !
Your ₹1 crore flat that gives just ₹35,000 rent per month hardly giving returns (post expense/tax) of 2-3% annually. It feels like a solid investment to most because it’s real & visible, but there's a catch.
The same money, if invested in a good mutual fund could earn ₹8–10 lakh a year over time & is tax efficient too. Real estate offers comfort (notional), but not always productivity. If your money is parked in something just because it feels comfortable / familiar, you may be losing years of growth !
7. "When money comes too late"
My elderly neighbour once told me that he spent his whole life building houses, saving money & working really hard, nonstop.
Now he spends most days alone, with nothing much to do. His wealth came, but his health & time slipped away. The lesson is that we don’t have to wait too long to enjoy your life. Balance is key ! (Work+pleasure+living in the now)
My elderly neighbour once told me that he spent his whole life building houses, saving money & working really hard, nonstop.
Now he spends most days alone, with nothing much to do. His wealth came, but his health & time slipped away. The lesson is that we don’t have to wait too long to enjoy your life. Balance is key ! (Work+pleasure+living in the now)
8. "Kids need money lessons early"
Schools teach everything except the concept of money ! There is hardly an mention of how EMIs, loans or inflation really work. That’s why a young college graduate buys a ₹1 lakh phones on 2 yr EMIs. They skip savings or even insurance & when inflation starts hurting or there is an emergency, they panic.
If you want your child to feel financially secure, talk to them early about saving ₹500/1000 from their first salary, avoiding high-interest debt & building solid habits around money that will actually serve them for a lifetime !
Schools teach everything except the concept of money ! There is hardly an mention of how EMIs, loans or inflation really work. That’s why a young college graduate buys a ₹1 lakh phones on 2 yr EMIs. They skip savings or even insurance & when inflation starts hurting or there is an emergency, they panic.
If you want your child to feel financially secure, talk to them early about saving ₹500/1000 from their first salary, avoiding high-interest debt & building solid habits around money that will actually serve them for a lifetime !
9. "Boring investing is underrated"
One doesn't need to chase the next big multibagger stock to build wealth. If one just avoids big losses, & keep adding to good mutual funds or stocks its enough. Disciplinec & avoiding FOMO/get-rich- quick mentality is key.
A simple ₹10,000/month SIP can easily build ₹1.6 crore in 25 yrs. Most people don't make bit money is because they don’t stay invested long enough. Wealth is not about excitement, its more about showing up every month, even when it feels boring !
One doesn't need to chase the next big multibagger stock to build wealth. If one just avoids big losses, & keep adding to good mutual funds or stocks its enough. Disciplinec & avoiding FOMO/get-rich- quick mentality is key.
A simple ₹10,000/month SIP can easily build ₹1.6 crore in 25 yrs. Most people don't make bit money is because they don’t stay invested long enough. Wealth is not about excitement, its more about showing up every month, even when it feels boring !
10. "SIPs show results after third year"
A ₹10,000 monthly SIP can become ₹35 lakh in 15 yrs & ₹1.6 crore in 25 yrs. If one does some top up's / step-ups one could be looking at ₹3 crore+ portfolio.
The tricky part is that most people give up in year 3 saying “nothing’s happening”. As they say "Compounding looks slow, until it suddenly doesn’t" ! Patience & Discipine play a key part in compounding.
A ₹10,000 monthly SIP can become ₹35 lakh in 15 yrs & ₹1.6 crore in 25 yrs. If one does some top up's / step-ups one could be looking at ₹3 crore+ portfolio.
The tricky part is that most people give up in year 3 saying “nothing’s happening”. As they say "Compounding looks slow, until it suddenly doesn’t" ! Patience & Discipine play a key part in compounding.
11. "Not all assets are wealth"
A ₹30-40 lakh car looks stylish or cool, a ₹2/3 crore bungalow looks Grand or Aalishaan, but if they aren’t earning anything, they are technically just showpieces. Lifestyle is not true wealth. Real wealth is silent. it sits quietly in income-producing assets like index funds, rentals, stocks & businesses. If it doesn't grow your money (or reduce your stress) it's probably more to show off or for adding decoration to your life.
A ₹30-40 lakh car looks stylish or cool, a ₹2/3 crore bungalow looks Grand or Aalishaan, but if they aren’t earning anything, they are technically just showpieces. Lifestyle is not true wealth. Real wealth is silent. it sits quietly in income-producing assets like index funds, rentals, stocks & businesses. If it doesn't grow your money (or reduce your stress) it's probably more to show off or for adding decoration to your life.
• • •
Missing some Tweet in this thread? You can try to
force a refresh
