How This Indian Redditor Doubled His Net Worth in 1.5 Years — and What Kakeibo Users Can Learn from It

A Reddit user from the r/FIRE_Ind community recently shared how he doubled his net worth — from ₹1 Crore to ₹2 Crores — in just 1.5 years.

While the number itself is impressive, what's more valuable is the mindset and habits that powered this journey. Whether you're earning ₹30,000 or ₹3 Lakhs per month, there are actionable insights here for everyone pursuing financial independence — especially if you're using or exploring the Kakeibo method.

Let’s unpack what made this rapid growth possible and how you can apply similar strategies in your own life.

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1. Compounding is Powerful — But Needs Time and Fuel

The first crore took 9 years. The second took just 1.5 years.

This is the clearest example of how early action + consistency = exponential results. The magic of compounding accelerates only after you've stayed in the game for a while.

Kakeibo Tip: Even if you’re living paycheck to paycheck, saving just ₹500 per month can help you build the muscle of discipline. Start where you are. Time will do the rest.

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2. Your Career Is Your Best Investment Early On

My net worth exploded once my salary grew.

The Redditor’s income grew from ₹3.25 LPA in 2014 to ₹95 LPA in 2024. That career growth is what truly enabled high savings and investing power.

What You Can Do:

• Learn one new skill per year that increases your value.
• Focus more on increasing income in your 20s and early 30s.
• Avoid lifestyle inflation when income increases — redirect the extra to long-term assets.

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3. Save Aggressively in High-Income Years

I invest about 60% of my post-tax income.

When your income is growing fast, your savings rate should grow faster. This builds a buffer and speeds up the wealth flywheel.

Try This: Use the Kakeibo monthly reflection to challenge yourself:

• Can I push my savings rate by even 5% this month?
• What non-essential expenses can I cut or delay?

Explore this mindset further in our article: Kakeibo vs 50/30/20 Rule — Which One Works Better?

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4. Build Flexibility Into Your Budget

My monthly expenses are ₹1.2L, with spikes during school fees or insurance.

A rigid budget breaks easily. This is why Kakeibo’s flexible categories — Needs, Wants, Culture, Unexpected — shine in real life.

Kakeibo Tip: Every month, add a buffer for irregular expenses. Track these under “Unexpected” and reflect on them in your monthly Kakeibo review.

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5. Evolve Your FIRE Goals With Life

“My target shifted from ₹10 Cr at 45 to ₹20 Cr at 42.”

Life isn’t static. Children, goals, or even inflation can change your path. That’s normal.

What You Can Do:

• Review your FIRE number annually.
• Break it into smaller goals (e.g., first ₹10L, ₹50L, ₹1Cr).
• Use Kakeibo journaling to check: Are my financial goals still aligned with my life goals?

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6. Diversify Thoughtfully

Investments included mutual funds, Indian stocks, RSUs, U.S. ETFs, bonds, and gold.

Diversification isn't just a risk strategy — it's a long-term resilience plan.

Actionable Tip: Even on a modest income, you can:

• Start SIPs in 2–3 fund types (e.g., index, flexi, contra)
• Add gold (SGBs or ETFs) once per quarter
• Contribute to NPS for tax benefits and long-term pension planning

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7. Write Your Goals — and Assign Values

Kids’ education: ₹3 Cr, Next car: ₹75L, Wife’s entrepreneurship: ₹2 Cr…

This is financial planning at its finest: assigning a value and timeline to each goal.

Kakeibo Tip: Add a “Future Goals” section to your monthly page. Write down:

• The goal
• Estimated cost
• Target year

Even if the numbers change, the clarity will help guide spending decisions today.

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8. Automate What You Can

₹90k in SIPs, ₹45k in smallcases, ₹41k via ESPP — all automated.

The less friction between you and your investments, the more consistent you’ll be.

Practical Tip:

• Automate all SIPs right after payday.
• Review quarterly, not daily — avoid over-managing your portfolio.

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9. Protect Your Progress

Have term and health insurance in place.

This often-overlooked step ensures that a medical or family emergency doesn’t wipe out years of savings.

Minimum Checklist:

• Term insurance = 10–15× your annual income
• Health insurance: At least ₹10L family floater
• Emergency fund: 3–6 months of expenses in a liquid fund or FD

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10. Share, Reflect, Learn

Posting in the FIRE community helped me stay motivated.

Community is accountability. Whether public or private, documenting your journey can bring clarity and motivation.

Kakeibo Tip: Add a short note to your monthly log:

• What did I do well this month?
• What can I improve?
• What’s one small win worth celebrating?

This is the core of the Kakeibo philosophy: intentional awareness leads to transformation.

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Final Thoughts

You don’t need a ₹95 LPA income to start building wealth.
You don’t need to aim for ₹20 Cr either.

What you need is:

• Consistency
• Self-awareness
• A system to track and reflect

Kakeibo gives you that system — whether you're a beginner or already on your FIRE path.

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Next Step:
Download our free Kakeibo printable template and try tracking your money for just one month.

And if you’re just starting out, you’ll love our guide:
Can Kakeibo Help If You Live Paycheck to Paycheck?

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