A 25-year-old software engineer from Bengaluru has gone viral online after revealing that he built a net worth of ₹40 lakh just two years into his first job through disciplined investing and controlled spending.
In a Reddit post, the young engineer shared that he came from a modest background, with his parents reportedly earning a combined monthly income of around ₹30,000 in a small town.
Despite having no inheritance, property, or financial safety net, he claimed to have achieved the milestone through consistent saving habits and long-term investing.
Investing 70% salary every month
The software engineer said he currently earns around ₹2.1 lakh per month after tax and invests nearly ₹1.55 lakh every month through systematic investment plans (SIPs).
He revealed that he deliberately kept expenses low during the early phase of his career, including staying in shared accommodation for nearly one-and-a-half years to maintain a high savings rate.
The engineer also stated that he avoided loans and unnecessary debt, choosing instead to purchase expensive items only through direct payments.
Learning from early investment mistakes
Like many first-time investors, he admitted making mistakes initially by following stock tips from Telegram groups and investing in risky small-cap stocks.
However, after facing losses, he shifted his focus towards long-term index fund investing inspired by the philosophy of legendary investor Warren Buffett.
According to the post, his investment portfolio now includes Nifty 50 index funds, midcap funds, Nasdaq exposure, arbitrage funds, and gold ETFs.
Story resonates with young professionals
The viral post has struck a chord with many young professionals online, especially those looking for financial stability amid rising living costs and career uncertainty.
Several social media users praised the engineer’s discipline and consistency, saying the story highlighted the importance of financial planning rather than quick wealth-building shortcuts.
The engineer said his long-term goal is to achieve financial independence and retire by the age of 40.