I didn’t. And I still bought my first home. 🏠💪

In 2018, I earned ₹8L/year. No inheritance. No family support. Just a dream: owning a ₹80L apartment in Mumbai.

𝗧𝗵𝗲 𝗝𝗼𝘂𝗿𝗻𝗲𝘆:
✅ Lived frugally: ₹15K rent, no car, minimal lifestyle inflation
✅ Side hustled: Freelance tech gigs added ₹3L/year
✅ Invested early: ₹20K/month in mutual funds + ESOPs
✅ Up-skilled: Switched jobs twice, salary grew to ₹22L by 2023
✅ Saved aggressively: ₹30L corpus by 2024

𝗧𝗵𝗲 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲:
→ ₹80L property in 2025
→ ₹35L down payment from savings
→ ₹45L loan, EMI ₹38K/month
→ No co-borrower, no guarantor
→ Still ₹10L emergency fund intact

𝗪𝗵𝘆 𝗜𝘁 𝗠𝗮𝘁𝘁𝗲𝗿𝘀:
🔑 Financial independence isn’t just about income—it’s about discipline
🔑 Owning a home without family help builds confidence like nothing else
🔑 You don’t need to rush—build your base, then buy smart
🔑 Renting isn’t failure. It’s a phase. Use it wisely.

𝗧𝗼𝗱𝗮𝘆?
I own my dream home. I still invest ₹25K/month. And I sleep peacefully—knowing I did it on my own.

If you’re on a similar path, don’t lose hope. Your ₹80L dream is possible—even on an ₹8L salary.

Drop a 💪 if you believe in self-funded success.

Follow Sushant Sinha for real stories that inspire financial freedom.

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