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I met a guy today. Age: 38 Portfolio: ₹ 150 crores Lives in a 4 BHK, owns a few expensive cars. Started investing at the age of 28 (Got married at 26) Came from a humble background-no backups, grew up in a 1 BHK. Stocks allocation: 50% AIFs 30% Small-cap stocks 20% mid cap Goal: ₹ 400 crores by age 50. I asked him how he managed to build ₹150 crores and live such a lavish lifestyle at this age and speed. He replied that since his college days, he had stayed frugal and laser-focused on his work and career. He started his business at the age 26. He never chased any other girl except his college crush. He worked hard, stayed frugal & disciplined & built a great gym physique, and conviced his college crush to marry him whose father is worth ₹900 crores. Pure Grit. Zero Luck. What an inspiration.