“𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐭𝐨𝐡 𝐤𝐚𝐛𝐡𝐢 𝐥𝐨𝐬𝐬 𝐧𝐚𝐡𝐢𝐧 𝐡𝐨𝐭𝐚.”

That’s what everyone said when I invested ₹25L in a under-construction property in 2018. Four years later, the builder vanished, and my investment was gone.

The Mistake:
✗ Bought without verifying RERA registration
✗ Trusted word-of-mouth over due diligence
✗ Put all savings into one illiquid asset
✗ Ignored red flags — delayed timelines, vague agreements
✗ Expected quick appreciation without understanding market cycles

The Loss:
→ ₹15L gone (after legal battles recovered ₹10L only)
→ 4 years of financial stress
→ Marriage plans delayed
→ Lost opportunity cost of ₹5L+ (if invested in equity)

The Recovery: After hitting rock bottom, I rebuilt from scratch:
✅ Started SIP with just ₹5K/month in index funds
✅ Built emergency fund = 12 months expenses
✅ Diversified: 60% equity, 30% debt, 10% gold
✅ Invested in REITs for real estate exposure (without liquidity trap)
✅ Only invest what I understand — no speculation
✅ Focused on building skills → income grew 3x in 5 years

Today’s Portfolio:
₹30L+ across mutual funds
REITs, and FDs — liquid, transparent
And growing at 12%+ CAGR.

Lessons Learned:
🔑 Real estate isn’t always safe — liquidity matters
🔑 Due diligence > FOMO
🔑 Diversification protects you from catastrophic loss
🔑 Financial literacy = your best insurance

Lost money taught me what no course could.

Drop a 💪 if you’ve bounced back from a financial setback.

Follow Sushant Sinha for honest stories on money, investing & building wealth the right way.

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