We Built a ₹9 Crore Portfolio for Someone Earning ₹1 Lakh/Month

If you're 30, earning ₹1 lakh a month, living on rent, and have little or no investments, can you still build wealth and retire comfortably? In this episode, we build a complete financial roadmap from scratch with Dilnawaz, a software engineer, investor, and finance creator who achieved financial freedom at 30. We cover everything from budgeting, emergency funds, health and term insurance, mutual fund portfolio allocation, asset allocation, FIRE (Financial Independence, Retire Early), SIP planning, and retirement corpus calculations to practical decisions around buying a house, supporting dependent parents, planning for children, Tier 1 vs Tier 2 cities, increasing income, and building secondary income streams. Whether you're just starting your investing journey or want a practical financial planning framework for a ₹1 lakh salary, this conversation breaks down exactly what to do, what to avoid, and how to build long-term wealth realistically. ------------------------------------------------------------------------- Timestamps 00:00 Intro: Can You Build Wealth on a ₹1 Lakh Salary? 01:00 Building the Base Financial Plan 01:43 The Ideal Monthly Budget 03:33 Portfolio Construction Begins 03:57 The FIG Investment Framework 07:06 One Mutual Fund vs Multiple Funds 08:11 Should Your Portfolio Change Over Time? 09:35 Should You Invest in Small Cap Funds? 10:50 How Much Should You Invest Every Month? 12:12 FIRE & Retirement Corpus Explained 13:26 The Power of SIP Step-Up 14:24 Tier 1 vs Tier 2: Does It Change Everything? 17:29 Financial Planning with Dependent Parents 18:40 Planning Finances After Having a Child 20:57 Should You Buy a House? 23:00 The Fastest Way to Build Wealth 25:18 How Better Investing Can Multiply Your Returns 27:36 Final Takeaways ------------------------------------------------------------------------- Follow us on social media: LinkedIn:   / powerup-money   YouTube:    / @powerup_money   Twitter:  / powerup_money   Instagram:   / powerup_money   Download our PowerUp App from Playstore:https://app.powerup.money/xDsX/e4h9vvsr Website: https://app.powerup.money/xDsX/okhz0dok ------------------------------------------------------------------------- Checkout our Playlist Power Pioneers:    • Плейлист   --------------------------------------------------------------------------- #financiallyfree #financialindependence #retireearly #fire #powerupmoney #powerpioneers #powerpioneerspodcast #podcast #financialfreedom #mutualfunds #stocks #investing