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Made Rs 1 crore from Rs 20 lakh in 4 years!

It is often believed that becoming a millionaire is only for very rich people or those who do big business. But, an Indian couple has almost proved this notion wrong. The 29-year-old husband and 31-year-old wife have turned an initial investment of Rs 20 lakh into a property worth over Rs 1 crore in just four years.

He shared the details of his financial journey on Reddit, which is now becoming increasingly viral. The secret of their success is not lottery, huge salary or risky bets, but financial discipline, wise savings and a precise investment strategy.

Controlling expenses is the first step

The couple started their journey in 2021 with a capital of Rs 20 lakh. He made a clear rule from the beginning: controlling expenses is more important than increasing earnings. His monthly income is between Rs 2.6 lakh to Rs 2.8 lakh, which is good, but not enough to become a millionaire without thinking. The real game was in their spending patterns.

In the initial years, his annual expenditure was only Rs 6 lakh. This does not mean that he was living a miserly life. According to the couple, they lived comfortably, traveled around the country 2-3 times every year and also took an international trip. In 2024, a child arrived in his life, due to which it was natural for the expenses to increase. His annual expenditure increased to Rs 14 lakh, but even then he did not let his financial plan derail.

He believes that happiness does not lie in expensive things or ostentation, but in living life wisely. He lives in a rented house, whose annual rent is Rs 3 lakh. Most importantly, they do not have any huge EMIs or debt burden, which often eats up a major part of people's savings. Staying away from ostentation, he has kept a simple car.

balanced portfolio of investments

Just saving is not enough; The real challenge is to invest that savings in the right place. The couple adopted a highly balanced and diversified investment strategy to grow their wealth. Instead of investing his money in one place, he divided it among many different instruments, so that the risk remains low and the returns remain good.

The largest portion of his investments, about Rs 41 lakh, is in the equity market, including mutual funds, straight shares and exchange-traded funds (ETFs). This share was the main means of increasing his wealth rapidly (wealth creation).

Along with this, he also took full care of security. Rs 17 lakh has been invested in Public Provident Fund (PPF) and other secured debt instruments, which offer guaranteed returns. For retirement planning, he has deposited Rs 14.8 lakh in National Pension System (NPS) and Rs 6.6 lakh in Employee Provident Fund (EPF). This ensures their long-term financial security.

To protect against inflation, the couple has also invested Rs 6.5 lakh in traditional investment options, gold and silver. For emergency needs, he has liquid savings (which can be easily converted into cash) of Rs 7 to 8 lakh. Apart from this, Rs 8 to 10 lakh is in the form of fixed deposits (FD) and loans given to friends. He has not included any ancestral property in calculating his net worth, making this achievement entirely a story of his own hard work.

To strengthen financial security, he has government health insurance as well as life insurance coverage of Rs 1.5 crore, which will keep the family financially secure in case of any untoward incident.

target achieved ahead of time

The couple's entire plan revolved around a big goal, which is called 'FIRE' (Financial Independence, Retire Early) movement. This means creating so much wealth that you can retire early as per your wish and are not forced to work, but can live the life of your choice.

He had set a target of creating a fund of Rs 1 crore by January 2026. But due to his disciplined savings and smart investments, he achieved this target four months ahead of time, i.e. in September 2025.