Gurjot Ahluwalia, a resident of Gurgaon, recently shared his inspiring financial journey on social media, revealing how he grew his net worth from zero to ₹5 crore in just over 10 years. Aiming for financial independence and early retirement by 2025, Ahluwalia described this milestone as his “biggest achievement in 2024.” He even shared a screenshot from the INDmoney app, disclosing that his current liabilities stand at ₹2.7 lakh.
The Three Pillars of Wealth Growth
Ahluwalia credits his financial success to three key strategies. First, he prioritised professional growth to secure a high income. Second, he practiced delayed gratification, focusing on aggressive savings. Lastly, he invested in equities and owned businesses, which significantly boosted his net worth over 11 years.
“A salaried middle-class person like me went from 0 to ₹5 crore in 11 years,” Ahluwalia noted. He also acknowledged two major factors that eased his financial journey: being debt-free due to his parents covering his education expenses and saving on rent by living with his family. He clarified that his net worth does not include property and jewelry, focusing instead on assets like equities, mutual funds, bonds, NPS, EPF, and savings.
Hitting this milestone was my biggest achievement in 2024.
A salaried middle class person like me went from 0 to ₹5,00,00,000 in 11 years.
3 Key Elements
1. Professional Growth – high income
2. Aggressive savings – delay gratification
3. Equity investing – owning businesses pic.twitter.com/t3niPluPW7— Gurjot Ahluwalia (@gurjota) February 2, 2025
Public Reactions: Praise for Patience and Discipline
Ahluwalia’s story received widespread admiration online. One user, Sarang, commented, “Amazing example of consistency and patience. Though many cannot replicate stock picks, almost all can learn the value of investing over long periods and exercising extreme patience.”
Another user remarked, “Congratulations! I hope to achieve this by 2030. Rent is the biggest expense in a city like Mumbai. Achieving a million-dollar corpus while paying rent for 15-20 years is really difficult for the salaried class. But a high salary and discipline can help achieve this milestone.”
User Prashant Shukla added, “Hitting that amount in white money is a commendable task in India. Awesome.”
Ahluwalia’s journey serves as an inspiring example of how disciplined financial planning, smart investments, and strategic savings can lead to remarkable wealth accumulation, even for salaried individuals