You Don't Need Me
(But Hear Me Out)
I'm not here to sell you courses. I'm not a guru. I'm just a regular guy who's almost at ₹1 crore (as on November 1) by doing what most people won't: save 50% of salary, invest in boring mutual funds, and wait.
The truth? You can do this on your own. Everything I know is already free on the internet. But if you're tired of Googling, overthinking, and making excuses... maybe I can help.
The One Skill That Changed Everything:
PATIENCE. Patience to wait before buying that car. Patience to rent while friends bought homes. Patience to let Parag Parikh Flexi Cap and UTI Nifty Index grow for years. That's it. No secret sauce.
My Journey to ₹1 Crore
REAL DATAWhat I Actually Did (No BS)
This isn't theory. These are my real choices over 8 years.
The Savings Strategy
50% of every paycheck went to savings. No excuses. No "I'll save what's left." Pay yourself first. Always.
Yes, I lived with roommates. Yes, I cooked at home. Yes, I said "no" to expensive things. But I also traveled, ate out occasionally, and enjoyed life. Balance.
The Investment Mix
Boring is beautiful. No stocks. No crypto. No "insider tips." Just proven, boring mutual funds and PPF.
Everyone around me was buying individual stocks. I stuck to index funds and flexi cap. Slow? Yes. Boring? Hell yes. But it worked.
The Patience Game
I waited. And waited. And waited some more. While friends bought cars and homes on EMI, I rented and saved.
Patience isn't sexy. But compound interest is. Every rupee I didn't spend on EMI interest became ₹3-4 in 10 years.
My Home Loan Rule (Non-Negotiable)
If you can't pay your home loan in 10 years, you can't afford that house.
"Future money is in the future. You haven't received it yet. You're betting on it for 20 years. What if your luck runs out?"
I know even 10 years is risky. But at least it gives you peace of mind. You're not a slave to the bank for two decades.
So Why Would You Pay Me?
Honest answer: You probably don't need to. But here's the thing...
You Know What to Do
Save more. Spend less. Invest wisely. Wait patiently. You already know this.
But knowledge ≠ action. You've been "planning to start" for how long now? 6 months? A year? Three years?
Accountability Beats Willpower
When you pay someone, you show up. Skin in the game changes everything.
Free advice? You ignore it. Paid coaching? You implement it. Psychology is weird like that.
You're Buying Time
I spent 8 years figuring this out. Made mistakes. Wasted money. You can skip that.
₹2,499/month to compress 8 years of trial-and-error into 6 months of guided action? That's the deal.
The Uncomfortable Truth
I'm not selling you secrets. I'm selling you accountability, structure, and someone who won't let you make excuses. If you can do that alone, save your money. If you can't (and most people can't), let's talk.
What You Actually Get
No fluff. Just practical, actionable coaching based on what worked for me.
I'll show you where your money is actually going. Not where you think it's going. Where it's ACTUALLY going.
- 50/30/20 rule adapted to YOUR life
- Expense tracking that doesn't suck
- Finding ₹5-10k/month you're wasting
Get out of debt using the same methods that kept me debt-free (except my smart home loan).
- Snowball vs Avalanche (what actually works)
- Credit card trap escape plan
- EMI reduction roadmap
I'll teach you the boring strategy that got me to ₹95L. No stock tips. No crypto BS.
- Index funds vs Flexi cap (when to use what)
- PPF/EPF optimization
- Why I avoid direct stocks (and you should too)
The hardest skill to learn. I'll help you develop the patience to wait instead of buying on EMI.
- Delayed gratification techniques
- When to buy vs when to wait
- Cash-only purchase mindset
The Investment (In Yourself)
Month-to-month. Cancel anytime. No contracts. No BS.
Accountability
For self-starters who just need a push
- 1 hour monthly call
- Budget template (my actual spreadsheet)
- Email support (48hr response)
- Monthly check-in + goal tracking
- Personalized debt strategy
- Investment portfolio review
Good for: Beginners, students, anyone testing the waters
Transformation
For serious action-takers ready to change
- 2 hours monthly (1:1 calls)
- All templates + custom tools
- Priority email (24hr response)
- Custom debt elimination plan
- Investment portfolio review
- Quarterly goal review calls
Good for: Anyone serious about hitting ₹1Cr in 8-10 years
All-In
For those who want maximum support
- 4 hours monthly (weekly calls)
- WhatsApp support (anytime)
- Complete financial roadmap
- Tax optimization strategy
- Monthly portfolio tracking
- Unlimited email support
Good for: High earners, complex situations, entrepreneurs
Still Not Sure?
Start with ₹999/month plan. Cancel after 1 month if you hate it. But here's what usually happens: You realize how much money you were wasting, and you upgrade to Pro.
The question isn't "Can I afford coaching?" The question is "Can I afford to keep making the same financial mistakes?"
Let's Have an Honest Conversation
Fill this out. I'll email you within 24 hours. We'll have a 15-minute call. I'll tell you if I can help or not. No hard sell. Just honesty.
The Final Truth
In 5 years, you'll either have ₹25-30 lakh saved up, or you'll still be making excuses.
You can do it alone. Or you can do it with someone who's already done it and won't let you quit.
Your choice. I'll be here either way.
Still on the fence? Use the free tools first. No pressure.