Overview

• He built a ₹4.7 crore corpus by age 45 solely through a regular salaried job and mutual fund SIPs, starting with ₹10,000 in 1998 and scaling contributions to ₹20,000 monthly by 2010.
• For 30 years he lived in the same 2 BHK flat, commuted on a scooter and took just one vacation, maintaining strict frugality without side hustles or business ventures.
• The Reddit post by u/CAGRGuy has exceeded 9,000 upvotes and been featured across major Indian outlets including Financial Express, NDTV Profit and Hindustan Times.
• Public reaction has been divided, with supporters lauding the disciplined saving approach and critics questioning whether lifelong austerity sacrifices life enjoyment.
• Since retiring, he and his wife still reside in their modest home but now travel almost every weekend, and his children remain unaware of the size of his savings.