Hi everyone,
I’m 24F, working a job with ₹25k/month salary. After expenses, I’m able to save only around ₹2k per month. Honestly, till date the maximum I’ve ever saved is ₹3k.
Currently:
Doing SIP of ₹1k/month in a Nifty Fifty index fund
Remaining savings mostly go into basic needs or emergencies
My long-term goal is clear: build a ₹1 crore portfolio (not overnight, but realistically).
I know this sounds tough with my current income, so I’m looking for genuine, practical, and professional advice, not motivational fluff.
Questions:
Is ₹1 Cr achievable from this starting point?
Should I focus more on increasing income or optimizing investments first?
Any mistakes I should avoid early?
What would you do differently if you were in my position at 24?
Open to hard truths and real strategies.
Would really appreciate insights from people who’ve been there or are on the same path.