My ₹10 Crore FIRE Plan vs Reality After 2 Years (Free Calculator)

Invest in Bond through Wint Wealth Platform - https://wintwealth.onelink.me/o6zX/8i... Almost 2 years ago, I achieved Financial Independence with a corpus of around ₹10 Crore. That number was based on several assumptions — my expenses, portfolio returns, inflation, withdrawal rate and future financial needs. Today, I have something I did not have back then — almost 2 years of actual experience. My portfolio returns have been lower than expected. My actual expenses turned out to be different. Inflation behaved differently. And I also started generating some income after achieving Financial Independence — something I had not originally accounted for. So in this video, I go back to my original ₹10 Crore FIRE calculation and test it against reality. I also use my new Retirement Corpus Calculator to demonstrate how the 3%/4% withdrawal rule works - how to estimate expenses at retirement, and most importantly, how to stress test your retirement corpus against changes in returns, inflation, lifespan and future expenses. The objective isn't to find the biggest possible retirement corpus. It is to find your “enough” number — with a sufficient margin of safety, without unnecessarily spending extra years chasing a number you may not need. 🔗 Free Retirement Corpus Calculator: https://tools.amitupadhyaya.com/retir... 📺 My earlier Retirement Corpus video:    • How I Calculated My Retirement Corpus | St...   -------------------------------------------------------------------------------------------------------- 📈 My Investing Platform – Zerodha I personally use Zerodha for my investments, including my HUF demat account. Open a Zerodha account using my referral link: https://zerodha.com/open-account?c=ZA... -------------------------------------------------------------------------------------------------------- ******************************************************************************************************** About Me: Hello, I'm Amit Upadhyaya. After a long corporate career, I achieved Financial Independence. Through this channel, I share my learnings on personal finance and investing to help you on your own journey to financial freedom. My goal is to simplify finance with data-driven and experience-backed insights. 🔗 Connect with me: *1:1 Consultation - https://topmate.io/amit_upadhyaya *LinkedIn -   / amitupadhyaya   *Instagram -   / growmoneywithamit   *Website - https://www.amitupadhyaya.com ✂️🎛️ Editing and Thumbnail By: Ajay Raikwar -   / uxbyajay   ****************************************************************************************************** Chapters 00:00 My 2-Year FIRE Reality Check 01:33 How I Arrived at a ₹10 Crore FIRE Number 04:07 Retirement Corpus Calculator & Stress Testing 06:21 Reality Check #1 — Portfolio Returns 09:59 Expenses & Inflation: What Actually Happened 11:15 The Unexpected Impact of Additional Income 13:46 Did I Really Need ₹10 Crore? 15:19 5 Lessons From 2 Years of Financial Independence Disclaimer - This video is for educational purposes and should not be considered investment advice. #FinancialIndependence #FIREIndia #RetirementPlanning #RetirementCorpus #PersonalFinanceIndia #EarlyRetirement #FIREJourney #RetirementCalculator