ReLearnFinance

Helping salaried Indians invest better & waste less money 🇮🇳 | Documenting my journey in public |

[ReLearnFinance @ReLearnFinance1]

13 years in tech. 15x salary. UK onsite.

But the goal was never a bigger paycheck.

It was earning the freedom to choose.

Here's my story 👇

I started my IT career in 2013.

I still remember the anxiety of my first project. I had learned coding in college and during training, but working on a real production project felt completely different. I genuinely wondered whether I'd even survive 10 years in this industry.

Today, I've completed 13 years.

The turning point came in my second project. That's where I gained real hands-on experience, built confidence, and realised I was more capable than I had believed.

Since then, I've worked on multiple projects, switched companies, earned promotions, travelled to the UK for an onsite assignment, and taken on increasing responsibilities both at work and at home.

There were plenty of late nights. Days that started before sunrise and ended long after sunset. Deadlines, production issues, and constant learning became part of life.

My salary today is nearly 15× what it was when I started.

Yet one thought never left me:

I didn't want to do this until retirement.

I always craved freedom.

My career gave me stability, financial security, and opportunities I will always be grateful for. I have no regrets.

But over the last six years, I consciously lived below my means, saved over 60% of my income, and built enough financial security to give myself options.

Now I want to build something of my own.

I'm pursuing my CFP certification, which I expect to complete by the end of this year. Managing my own finances over the last 13 years has taught me valuable lessons, and I hope to help others build financial confidence, too.

There's another challenge.

I've always been an introvert. I've never built anything in public or shared my journey openly.

That's changing now.

This is my attempt to step outside my comfort zone, take a few calculated risks, and see where they lead.

I'm excited.

I'm nervous.

But for the first time in a long time, I'm building something that's truly mine.

[ReLearnFinance @ReLearnFinance1]

We are not bad with money.

We have bad money behaviours.

-Overspending
-Impulse buying
-Lack of discipline
-Short-term thinking
-Avoiding uncomfortable financial decisions

And the good news?
Behaviours can change.

[ReLearnFinance @ReLearnFinance1]

India has just replaced Indonesia as Asia's least-preferred stock market among fund managers.

But what exactly brought us here?

🇮🇳 High valuations?
📉 Weak earnings?
💰 Foreign outflows?
📊 Better opportunities elsewhere?
🤔 Or something else?

What do you think?

[ReLearnFinance @ReLearnFinance1]

@jagoinvestor_ Exactly. People spend years putting in the effort to earn money.

But when it comes to growing that money, they often look for a quick and easy way.

[ReLearnFinance @ReLearnFinance1]

There are two extreme narratives on X right now:

1. India is doomed. Invest abroad and bet on AI.

2. India is going to boom for the next 10–20 years, just like China and the US did.

Reality will be somewhere in between.

However, it doesn't matter which narrative turns out to be right if you don't earn and save enough today.

[Manoj Arora @manoj_216]

PSU banks can write off 35,000 Crores.
Now, don't start the write off vs waive off argument.
I say that because you don't even have the right to know who were the defaulters.
You are there just to pay taxes so that these write offs and waive offs can be compensated.
Just do you national duty.
Go to work tomorrow and earn for them.

[ReLearnFinance @ReLearnFinance1]

8. Let compounding work

Investing ₹50,000/month at an assumed 12% annual return would grow to roughly:

₹1.15 Cr in 10 years
₹5 Cr in 20 years
₹15.5 Cr in 30 years

These are illustrations, not guaranteed returns.
The magic isn't the ₹50K.

It's the time + consistency.

You don't need a complicated financial plan.

You need a simple one that you can follow for decades.

[ReLearnFinance @ReLearnFinance1]

How I'd build wealth on a ₹20L salary in India:

Not by finding the next multibagger.

Not by working 15 years without a plan.

Just 8 boring steps that make wealth almost automatic. 🧵

[ReLearnFinance @ReLearnFinance1]

7. Ignore the noise

Don't:

→ Chase IPOs because everyone is talking about them
→ Panic during corrections
→ Stop SIPs because markets look expensive
→ Change funds every few months

Your biggest financial enemy may not be the market.
It may be your own behaviour.

[ReLearnFinance @ReLearnFinance1]

India has just replaced Indonesia as Asia's least-preferred stock market among fund managers.

But what exactly brought us here?

🇮🇳 High valuations?
📉 Weak earnings?
💰 Foreign outflows?
📊 Better opportunities elsewhere?
🤔 Or something else?

What do you think?

[ReLearnFinance @ReLearnFinance1]

SGB 2021–22 Series V has opened its 5-year premature exit window at ₹15,295 per unit, delivering a massive 223% gain.

But there's an important tax distinction:

• Hold until the full 8-year maturity → capital gains are 100% tax-free.

• Exit through the 5-year premature redemption window → long-term capital gains are taxed at 12.5%.

[ReLearnFinance @ReLearnFinance1]

Some are still missing this small but meaningful change in NPS:

The tax-free lump-sum withdrawal limit at retirement has increased from ₹5 lakh to ₹8 lakh.

For those with modest retirement corpuses, this means more liquidity and less pressure to put a portion of their savings into an annuity.

[ReLearnFinance @ReLearnFinance1]

@BasuNivesh The power to make laws lies with politicians. Why would they make rules that work against their own interests?

People expected leaders without family ties to make some tough decisions.

But they did nothing.

[ReLearnFinance @ReLearnFinance1]

SGB 2021–22 Series V has opened its 5-year premature exit window at ₹15,295 per unit, delivering a massive 223% gain.

But there's an important tax distinction:

• Hold until the full 8-year maturity → capital gains are 100% tax-free.

• Exit through the 5-year premature redemption window → long-term capital gains are taxed at 12.5%.

[ReLearnFinance @ReLearnFinance1]

@AjayBiswari9 ✅Child School Expenses(future cost adjusted to present)
✅Child Graduation Expenses(future cost adjusted to present)
✅Home Loan Sorted
✅Retirement 1+ Cr.