How I Achieved Financial Freedom (2008–2024) – My Real Story

 As I write this in July 2025, it has been nearly a year since I achieved financial freedom — a milestone I reached in September 2024, just before turning 45. Today, I live with the confidence of knowing that my investments and assets can support my needs, wants, and desires without active work.

This chapter is not just a story. It’s proof that financial freedom is possible — even without a government job, corporate title, or inherited wealth. I started with almost nothing in 2008. Here’s how I built my wealth step by step.

---

💼 My Portfolio Overview (As of September 2024)

Total Net Worth: ₹1 Crore

• Real Estate Value: ₹60 Lakh (60%)
  
  

• Other Assets: ₹40 Lakh (40%)
  
  

• Total Investment: ₹50 Lakh 

• Growth by Appreciation & Returns: ₹50 Lakh

  ---

🧭 Stage 1: First 7 Years (2008–2015) – Foundation of Wealth

In 2008, I started working online as a publisher. Between 2008 and 2015, I earned:

• ₹26,00,000 from advertising
  
  

• ₹8,31,640 from interest and e-commerce activities
  
  

From this income, I:

• Consumed: ₹9,00,000
  
  

• Saved & Invested: ₹16,00,000 (approx. 61.5% savings rate)
  
  

My mindset at the time, from age 28 to 35, was clear: build first, spend later

---

🏠 My First Office & Bookstore

With savings and interest income, I:

• Built a small office on the first floor of my house (₹8,31,640)
  
  

• Started a bookstore on the second floor
  
  

• Gave the ground floor to my brother
  
  

This early investment in real estate became a cornerstone of my future net worth.

---

🧭 Stage 2: Next 7 Years (2016–2023) – Growth Through Real Estate & Assets

With ₹16,00,000 in savings, I began serious real estate investing:

• Bought a residential plot and built a house (₹10,00,000)
  
  

• Purchased land of 500 Gaj  with a boundary and shed for growing food (₹6,00,000)

By 2023, the combined value of my real estate portfolio (including the earlier office/store) had appreciated to ₹60,00,000.

---

📈 Parallel Investments: Stocks, Mutual Funds & Gold

Starting in 2018, I diversified and earned:

• ₹10,00,000 from eBook sales
  
  

• ₹5,00,000 from personal training
  
  

• ₹5,00,000 from ads and online income
  
  

Total Earnings: ₹20,00,000
Saved & Invested: ₹15,00,000
Consumed: ₹5,00,000

I invested in stocks, mutual funds, and gold, and consistently reinvested dividends and capital gains.

---

🧭 Stage 3: Year 2024 – The Milestone Year

In 2024, I made my final contribution of ₹2,18,360. My father supported me with ₹8,50,000. So the total became:

• My Investment: ₹41,50,000
  
  

• Father’s Contribution: ₹8,50,000
  
  

• Total Investment: ₹50,00,000
  
  

This ₹50 Lakh, invested and reinvested over 16 years, doubled in value to ₹1 Crore.

---

🎯 6 Key Steps I Took to Build ₹1 Crore Net Worth

1️⃣ Saving is Big Power

I saved 61.5% of my income in my first 7 years. This became the seed capital for everything that followed.

2️⃣ Investing is Big Power

Savings alone don’t grow. I turned savings into income-generating assets: real estate, mutual funds, stocks, gold.

3️⃣ Re-Investment is Big Power

Every rupee I earned from dividends, rent, or returns — I reinvested. This created compounding cycles.

4️⃣ Compound Interest is Power

I stayed patient. No breaking of FDs. No early withdrawals. Time + discipline = compound growth.

“Compound interest is the eighth wonder of the world.” — Albert Einstein

5️⃣ Active Income is Power

I kept working: through content, eBooks, training, and services. My active income helped fund passive income assets.

6️⃣ Parental Support is Power

My father contributed ₹8.5 Lakh. His support — emotional and financial — helped me reach the goal. But trust had to be earned first.

---

🔄 Final Thought

This journey — from nothing in 2008 to ₹1 Crore by 2024 — wasn’t based on luck. It happened through:

• Saving regularly
  
  

• Investing wisely
  
  

• Reinvesting faithfully
  
  

• Working actively
  
  

• Focusing on needs, not show-off lifestyle
  
  

Today, I live in 2025 with peace of mind, knowing that I don’t have to work for money anymore — my assets work for me.

On 5th October 2024, I purchased an adjoining piece of land measuring 1500 Gaj for just ₹3,70,000. As of today, its value has appreciated to ₹7,50,000 — increasing my asset value by ₹3,80,000. This land also contributes practically by producing food for our cow mothers, saving ₹3,600 per month in ongoing costs.

Between 14th September 2024 and 29th July 2025, I earned ₹3,74,000 through a combination of active and passive income. I reinvested this amount entirely into long-term productive assets. Since we live simply — with no milk cost due to our cows and no grain cost due to our food production — our living expenses remain low, amplifying our ability to build wealth faster.

Combining these values, my total net worth as of 15th August 2025 stands at ₹1,11,24,000.

"We do not control income, but we have full control over how much we invest each month and for how long — simply by closing the leakages in our monthly expenses. That is my story."

Next Free Preview of our Ebook Financial Freedom MADE Easy

See it in the form of Infographic Image