A Bengaluru-based proofreader with only a Class 10 education has become an unlikely financial inspiration after revealing that he has saved over ₹1 crore in 25 years. His post on Reddit, titled “Reached a major milestone: 1 crore. Took me 25 years”, has gone viral, sparking widespread admiration for his patience, discipline, and long-term approach to money management.

Starting with just ₹5,000 in 2000, he began his career as a proofreader with a modest monthly salary of ₹4,200. Over the years, his earnings gradually rose to ₹63,000. Instead of chasing a luxurious lifestyle, he chose to prioritise financial security. His method was simple but effective—steady deposits into fixed deposits (FDs) and recurring deposits (RDs), coupled with avoiding loans and unnecessary spending.

Simple living, steady saving

The proofreader revealed that he and his family always lived frugally, renting homes instead of buying property and avoiding major lifestyle expenses such as cars or costly gadgets. By living within his means, he ensured consistent savings that grew over time.

“We have our ancestral home in the village where we will eventually live. We have always been very frugal because we had no one to look to for help. Luckily, we never faced major illnesses or hardships. I conclude from my experience that education, intelligence, health and time are one’s biggest assets. Patience and discipline are essential for achieving long-term goals,” he wrote in his viral post.

At 48, his savings of over ₹1 crore now give him financial independence and peace of mind for his family’s future.

Internet reacts with admiration

His story resonated deeply with young professionals, many of whom admitted struggling with lifestyle pressures and instant gratification. Users praised his patience and consistency in an era where many chase high-risk investments or quick returns.

One Reddit user commented:
“This is the best post I’ve read on Reddit. Amidst all the fear mongering about money, your post feels like a breath of fresh air. Thank you for showing us the value of patience and discipline.”

Another added:
“Always remember it is easier to make your next one crore from the existing one crore, than to spend it. Your story is a big inspiration.”

A third user shared:
“Reading that you started saving at 27 gives me hope. I’m 28 and worried about not saving enough because of family issues. Your post makes me feel less alone.”

Lessons for a new generation

Financial experts and users alike noted that while traditional FDs and RDs may not yield the fastest returns, the proofreader’s approach highlights the importance of consistency, risk management and long-term planning. Many pointed out that if the same discipline were applied to mutual funds or index funds, the returns could be even higher today.

The discussion also revived debates about renting versus buying. While some questioned his choice to rent throughout his life, others commended the flexibility and financial freedom it provided, allowing him to avoid the debt trap of home loans.

Conclusion

The Bengaluru proofreader’s journey stands as proof that financial independence does not always come from high-paying jobs or risky investments. With patience, frugality and discipline, even modest salaries can add up to significant wealth over time. His story has struck a chord with people across generations, reminding them that slow and steady progress can be more powerful than quick fixes.