'0 to Rs 5 crore in 10 years': Gurgaon's salaried man reveals three keys to achieve financial freedom and retire early

Gurgaon resident, Gurjot Ahluwalia, announced on social media that he has reached a net worth of Rs 5 crore in slightly over a decade. He aims to achieve financial freedom and retire by 2025.

Ahluwalia shared a screenshot from the INDmoney app showing his net worth and liabilities of ₹2.7 lakh. He attributes his financial success to three key factors: prioritizing professional growth for high income, practicing aggressive saving habits, and investing in equity and businesses.

Key Strategies for Wealth Growth

Ahluwalia attributed his financial success to three primary strategies:


Professional Growth: He ensured his income was high by focusing on career advancement.

Aggressive Savings: He delayed gratification and maintained disciplined savings.

Equity Investing and Business Ownership: He leveraged investments in stocks and businesses to increase his wealth.

“A salaried middle-class person like me went from 0 to ₹5,00,00,000 in 11 years,” Ahluwalia stated. He also acknowledged two crucial advantages that helped his journey—his parents funded his education, leaving him debt-free, and he did not have to pay rent as he lived with his parents.

Financial Breakdown and Public Reactions

Ahluwalia shared a screenshot from the INDmoney app, revealing his liabilities at ₹2.7 lakh. He clarified that his net worth calculation did not include property or jewellery but was based on equity, mutual funds, bonds, NPS, EPF, and savings.

His post received widespread appreciation, with many social media users praising his financial discipline and patience. “Amazing example of consistency and patience. Though many cannot replicate stock picks, almost all can learn the value of investing over long periods of time and exercising extreme patience,” commented X user Sarang.

Another user highlighted the difficulty of achieving such a milestone while paying rent in cities like Mumbai. “Rent is the biggest expense. Achieving a million-dollar corpus while paying rent for 15-20 years is really difficult for salaried professionals. But high salary and discipline can help,” they wrote.

Prashant Shukla added, “Hitting that amount in white money is a commendable task in India. Awesome.”

Ahluwalia’s financial journey serves as an inspiration for individuals aiming for financial independence through strategic planning and disciplined investing.