How To Build ₹1.2 Crore In Just 10 Years Even With Small Salaries, Guides CA (Credit - X)
Chartered Accountant Nitin Kaushik recently shared his insights that show wealth creation does not depend solely on earning a high salary but on making smart financial choices.
In a post on X, he revealed how average earners can also secure the best financial future.
He said, “How Some Middle-Class Families Quietly Build ₹1.2 Crore in Just 10 Years — Even with Small Salaries, Kids & Rent to Manage! (Not a fantasy. Real math. Real habits. No shortcuts.) Here’s how smart families are turning modest incomes into serious wealth.”
For families focused on a child’s future, he advises the parents that they should invest around Rs 10,000 monthly through an SIP in index funds and Public Provident Fund (PPF).
Kaushik advises not to rush into home loans. However, he recommends opting for shorter loan tenures of 10 years rather than stretching EMIs over 20 years.
He gives advice to focus on the Employees’ Provident Fund (EPF) for retirement needs.
Taking a strong stance on lifestyle inflation, Kaushik stresses the value of steady habits over flashy income growth.
Concluding his advice, Kaushik said that wealth is built through patience, consistent investing, and making prudent financial choices even on average salaries.
ALSO READ: Tesla Opens Second Experience Centre, Charging Station In Delhi, Know Where The First One Is?
Labour Day 2026 India: Labour Day, also known as May Day, is being observed on…
Chirayu Rana: Chirayu Rana, a former JPMorgan employee, has been identified as the 'John Doe'…
Buddha Purnima Status: Buddha Purnima, one of the most sacred festivals for Buddhists, is being…
