Rs 2 crore milestone achieved in 16 months: 29-year-old shares his success roadmap and the lessons he learnt

In an age where financial independence has become a key aspiration among young professionals, stories of disciplined saving and mindful investing continue to inspire many. A 29-year-old professional recently took to Reddit to share how he reached a net worth of ₹2 crore in just 16 months, reflecting on his financial journey, personal struggles, and key takeaways that shaped his outlook on money and life. His post, which resonated with many users, highlighted not just wealth accumulation but also the emotional and practical lessons learned along the way.

Reaching Personal Milestone

The Reddit user, who had earlier celebrated hitting ₹1 crore at the age of 28, revealed that the next ₹1 crore came much faster — in just 16 months. “The last 16 months have been a roller coaster,” he wrote, crediting a strong US stock market for helping him cross the milestone slightly ahead of schedule.

Having moved to the United States for work, he admitted that while his savings increased, the difference wasn’t dramatic due to the high cost of living. “Monthly savings in India vs US is not a lot different given I pay an insane amount in rent,” he noted.

When asked by another user about how much he saves monthly, he replied, “Around 5L I save monthly. It’s haphazard these days.” He also shared that the first crore took him about three years to accumulate after clearing his student loans.

Balancing money, health, and life experiences
The young professional detailed how his priorities have evolved, especially after a close family member suffered a major health issue. Reflecting on his past, he said that a decade ago, he couldn’t afford a ₹500 hospital fee, but today, he can spend even a crore on medical needs without falling into debt. “Thankfully there is health insurance,” he added.

Despite spending nearly ₹25 lakh on travel over the past year and a half, he expressed no regrets. “I absolutely cherish the memories and wouldn’t trade it for anything. Life is short,” he wrote. His focus now, he said, is on health — having lost 8 kilograms recently — and feeling more energetic than ever. “Health is the utmost wealth,” he emphasised, sharing his plans to work in a health-related field in the future.

Financial roadmap and investment breakdown

In response to questions about his investment strategy, he shared that around 30% of his portfolio is in US stocks, while the rest remains diversified across Indian assets. His Indian holdings include a mix of mutual funds, stocks, PPF, and EPF. In the US, he has invested in stocks and index funds and also holds some cash.

He pointed out that different countries offer varying financial advantages: “Not Europe as income is not great generally. Dubai — no taxes helps a lot. US — you can earn max money but taxes and expenses are a lot too.”