Earning just ₹25,000 a month? At first glance, buying a luxury SUV like a Toyota Fortuner or owning your dream house may sound impossible. However, financial discipline and long-term planning can turn this seemingly unrealistic dream into reality. Business coach Deepak Wadhwa recently shared an insightful post on LinkedIn, explaining how even individuals with modest incomes can build significant wealth over time.
According to Wadhwa, the journey begins with small, consistent investments. If a person earning ₹25,000 starts a Systematic Investment Plan (SIP) with just ₹5,000 per month and increases this amount by 20% every year, the results can be extraordinary.
Over a 15-year period, this disciplined approach could grow into a corpus worth nearly ₹1.5 crore. The magic behind this growth lies in the power of compounding, where not just the principal but also the returns keep generating further returns.
Once this wealth has been accumulated, the strategy doesn’t stop there. Wadhwa suggests converting the portfolio into a Systematic Withdrawal Plan (SWP). This method ensures a steady monthly income for decades.
With a fund of ₹1.5 crore, an investor can generate nearly ₹2 lakh per month for the next 30 years. Such an income stream can easily support home loan EMIs or even the installments of a high-end car like a Fortuner, without creating financial stress. Essentially, your investments begin working for you, providing stability and long-term financial freedom.
At the heart of this wealth-building journey lies compounding, often called the “eighth wonder of the world.” Unlike simple interest, compounding allows your money to grow exponentially over time because your earnings themselves earn additional returns.
Wadhwa emphasizes that this is not a get-rich-quick scheme. Instead, it’s a proven method based on patience, consistency, and financial discipline. Even modest investments, if sustained and gradually increased, can snowball into life-changing amounts.
Despite the simplicity of the strategy, many people fall short of achieving their dreams. According to Wadhwa, the main reasons are:
Lack of patience – Many investors expect quick results and give up too early.
Irregular investing – Skipping contributions breaks the compounding effect.
Short-term mindset – People often focus on immediate desires instead of long-term financial security.
The real question, he says, is not whether you can buy a house or a car today, but whether you are willing to build a fund that will make these dreams achievable in the future.
The earlier you begin, the more time your money has to grow. Even if your salary is low when you start, consistent investing can create massive wealth over time. Young professionals, in particular, should make it a priority to start investing as soon as they earn their first paycheck.
Wadhwa advises new earners not to be discouraged by a small salary. Instead, they should focus on starting with whatever amount they can afford, gradually increasing contributions year after year. With time, the portfolio grows large enough to turn even the biggest dreams into reality.
A salary of ₹25,000 is not a barrier to building wealth if you follow disciplined financial planning.
Starting a ₹5,000 SIP and increasing it annually by 20% can result in a ₹1.5 crore corpus in 15 years.
Converting this fund into an SWP can generate ₹2 lakh monthly income for 30 years, covering EMIs for a home or luxury car.
Patience and consistency are the real game-changers—compounding works only when investments are sustained over the long term.
Starting early, even with small amounts, can make your financial future secure and your dreams achievable.
Owning a house or a luxury car may seem out of reach for someone earning ₹25,000 a month. But with smart financial planning, disciplined investing, and the power of compounding, it is absolutely possible. The dream doesn’t come true overnight—it requires patience and consistency. Yet, as Wadhwa highlights, the real magic lies in starting early and staying committed.
So, the next time you think your salary is too small to dream big, remember: with the right strategy, even a modest income can pave the way to millionaire-level wealth.
