A Reddit post recently went viral in which a middle-class professional shared his 12-year career and financial journey with utmost honesty and detail. In the post, the Redditor talked about his middle-class background and how he started his career with a paltry salary of Rs 7,000 a month. Despite all the challenges, the person went on to buy flats in two big cities — Noida and Bangalore. To buy these properties, he had to take loans worth more than Rs 1 crore. But surprisingly, at the age of 35, he is now nearly debt-free.
This Reddit user’s story is not just a motivation but also a practical money management playbook that every young working professional should read.
A person coming from a humble background, who started his first job in 2013 at a nominal salary, today at the age of 35 owns flats in two big cities and is also nearly debt-free. No high-paid degree, no foreign job. Still, thanks to discipline, timely decisions, and a strong financial mindset, he achieved all this.
This story can become an inspiration for many who want to create wealth even with limited income and aim to get freedom from debt before time.
Also read: ‘I paid my bills on time and never paid interest. Here’s why I quit credit cards anyway.’
Small beginnings, big thinking
When this person started his first job in Noida in 2013, the salary was just Rs 7,000 per month. After some time, he went to Bangalore and did a technical course from CDAC, where he faced rejections from more than 45 companies. But he did not stop learning — and this became the foundation of his future financial journey.
The financial tips he got from a senior HR proved to be a game changer for him: “Consider savings like rent – mandatory every month.” One more advice he received was – “Stay away from credit cards – it is not a loan, it is a trap.”
With this thinking, he started keeping track of every expense, minimising the use of credit cards and staying away from wasteful expenditure.
The first glimpse of financial planning
Savings started with tax-saving FDs, in which he got a good interest of 8.75%. Gradually, he invested in SIPs and stocks as well and in five years,
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