So, you’re not in the mood to jump jobs every 6 months or start a risky startup—but you still want to see that sweet “₹1,00,00,000” in your bank someday. Good news? You don’t have to quit your job to make it happen.
Bad news? You’ll need patience, consistency, and a little bit of brains (which I know you already have 😏).
Let’s break it down like chai and pakoras on a rainy day—easy, fun, and deliciously rewarding.
1. Play the SIP Game (Systematic Investment Plan)
Forget lump sum drama—SIP is your BFF.
Even investing ₹20,000/month at an average 12% return for 15 years can get you to ₹1 crore+ without sweating it out.
- Pro tip: Start today, even if it’s ₹5k/month. Time is literally money here.
2. Rent Out What You Already Own
- Extra parking space? Rent it.
- That camera you barely use? Put it on a rental app.
- Even your extra room could bring in side income via PG or Airbnb (if you’re okay with a flatmate who loves Maggi at midnight).
3. Create a Low-Effort Side Hustle
Not all side hustles mean 5 extra hours of work daily.
- Start a digital product (eBook, templates, course).
- Offer weekend workshops in your skill area.
- Monetize a hobby (photography, cooking, gaming).
4. Skill-Up for Salary Hikes
Adding high-value skills—especially AI, automation, and digital marketing—can boost your salary without switching companies.
More salary = more investment money = faster crore club entry.
5. Use the Power of Compounding
Reinvest your returns.
The mistake most people make? Pulling out profits early. Let them roll over so your money can have baby money that also works for you.
6. Automate Savings
If money reaches your hand first, chances are it’ll vanish faster than pani puri at a wedding.
- Automate transfers to your investment account right after salary credit.
7. Keep Lifestyle Inflation in Check
If your salary doubles and so do your expenses—you’re not getting richer, you’re just buying fancier coffee. Keep your lifestyle modest while your investments grow.
💡 Bottom Line:
You don’t need a career switch to make ₹1 crore—you need a wealth game plan, discipline, and a few clever money moves.
