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Story of my life: Age 0 to Age 32

Was having morning chai and realized I should write this somewhere. Not sure if there’s anything to learn here. Just one guy’s story Years 0 to 5: Small town child Was born in Bhubaneshwar, father had a government job. Very average middle class life. Middle class values. Parents always wanted me to study hard so I did. Used to be most excited about playing cricket and football very day Years 5 to 15: The studious class kid We shifted to Jaipur - dad had a transferable job. Took time adjusting to a new school but eventually made some friends. Realised I do not have any music/sports/artistic talent, but I can work hard. So I started working hard on my studies and started being top 10% of my class every year. Maths came easy to me. I am not in touch with any of my friends from this period but they have all gone on to do good things as I see from their LinkedIn profiles Years 15 to 22: IIT years

 Worked super freakin hard - gave the JEE and made it to one of the top 7 IITs in the Mech department, soon realised I do not love Mech and there weren’t any jobs as well. Started learning to code and made a few projects. Did an internship at Microsoft and another at a startup from a college alum. Ended up realising becoming an engineer is not my cup of tea long term. Took a hard turn to working on non engineering skills and jobs. 

Most importantly made so many friends, had so much fun. These are still some of my best friends and we still meet each other and stay at each other’s houses. Picked up a deep obsession with E-Sports (Counter Strike mostly) Years 22 to 24: First job Joined one of the top 10 consulting companies at a good salary. Moved to Mumbai - started wearing suits and living a great life from hotel to hotel. The job was good, but not engaging enough. Decided I should quit. But was scared to do it for 8 months. Started studying for my CAT Years 25 to 28: MBA and marriage CAT went sweet. Joined a top MBA school - the most formative years of my life to be honest. Almost close to my last 2 years at college. Met my wife there to whom I got later married at 28. I still keep in touch with a few people from MBA but not as many as I do from college. Years 28 to 32: Making it onto Tech My campus placement happened as a Product Manager at famous tech company in Bangalore where I have been for the last 4 years now. Got a couple promotions. I love my work and its impact. I still sometimes get to play my Counter Strike. As I look back on all of life, I guess the most important things I have learnt are to just stay happy and do something useful EVERY DAY. Be diligent, work hard and you’ll get where you want to. Do not stress over it. Just stay in the game. Don’t tire out. Anyway. That’s it folks!

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FIRE on

by AmpleBlackbird

TCS

How I Hit 1Cr Net Worth at TCS Without the Startup Hype (and no, I don’t want to retire early)

Saw the new FIRE community here on Grapevine, thought of sharing my story here. Let's talk about money, startups, and the misleading "get rich quick" mentality that's captivating our generation. I'm 32, and I've been with TCS for 11 years. Yes, TCS. Not a trendy startup, not a unicorn, just good old Tata Consultancy Services. And I've just reached a 1Cr net worth. Before you assume I'm a senior executive or had family wealth, let me clarify. I started as a fresh graduate earning 3.5 LPA. My parents are middle-class government employees. I had no special advantages or lucky breaks. What I did have was discipline. Pure, unglamorous discipline. While my college friends hopped between startups, chasing ESOPs and IPO dreams, I stayed put. I lived modestly, invested consistently, and focused on steady growth. Here's the unvarnished truth: 1. Most startups fail. Your ESOPs are worthless if the company doesn't succeed. 2. Even if your startup thrives, the chances of making life-changing money are slim. You're more likely to end up overworked and burnt out. 3. FIRE is unrealistic for most people, especially through startup gambles. 4. Slow and steady really does win the race. My journey wasn't exciting. It looked like this: - Lived with roommates until 28 - Drove a second-hand Alto while peers financed luxury cars - Invested 50% of my salary monthly, without exception - Educated myself about index funds, debt funds, and asset allocation - Declined expensive trips and unnecessary luxuries - Focused on upskilling and steady promotions at TCS Was it always enjoyable? No. Did I sometimes feel left behind when friends posted about startup funding or fancy perks? Absolutely. But you know what's truly satisfying? Reaching 1Cr net worth at 32 through consistent, unexciting progress. I'm not saying everyone should work at TCS or that startups are bad. If you genuinely love the startup world, pursue it. But do it because you love the work, not because you think it's your ticket to early retirement. The startup world has sold us a fantasy. They've glorified overwork, made "hustle" a personality trait, and convinced a generation that success only comes through a miraculous exit. That's simply not true. Success often looks like showing up daily, living below your means, and making smart, consistent choices with your money. To the 20-somethings chasing startup dreams and thinking ESOPs will enable early retirement - reconsider. The odds aren't in your favor. Instead, think about this: - Find a stable, fulfilling job - Live well below your means - Invest aggressively and consistently - Focus on steady career growth - Ignore flashy social media lifestyles It's not exciting. It won't get you media attention. But it works. Here's the best part: this path has allowed me to have a balanced life. I'm married with a young child, and I get to spend quality time with them every day. I play with my kid after work, I'm present for family dinners, and I even have time for my hobbies on weekends. I'm not constantly stressed about the next funding round or pulling all-nighters to meet impossible deadlines. I have the mental space to be fully present with my family, and that's priceless. I'm not planning to retire soon. I actually enjoy my job and the stability it provides. But reaching this milestone has given me options and peace of mind that no startup gamble could offer. So, is anyone else out there quietly building wealth without the drama? Let's hear your stories. And to those still pursuing the startup dream - I wish you the best. But consider that the less exciting path might be the one that actually leads to both financial success and a fulfilling personal life.​​​​​​​​​​​​​​​​ Slow is smooth, smooth is fast :)

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by TastyTensor9

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Most people I work with are worth 1Cr+ after 25. I have figured their secret 😛

I have seen a lot of questions here about how to become rich or successful. I initially thought I could make a course and shill it on LinkedIn, but then I decided against it. Context is: I work in a field where most around me are making a lot of money, and typically everyone's a crorepati by 26/27. That's what I have seen. Their secrets: 1. They work 12+ hours a day consistently for 5 days a week, and then some more on Saturday (sometimes Sunday). Even at the peak of covid, when everybody was scared and would avoid working, these fuckers would. 2. They are ultra competitive. They will compete on anything, not just work. They are addicted to poker. They will debate anything during lunch time, no matter how frivolous it is. Pure TYPE A folks. 3. They never complain about working hard. It's just second nature for them. Stems from IIT/IIM days, but continues. They don't question it. (I do, because I am not them) 4. They obsess over money. They constantly try to figure out where they can make more money. All invest actively. 5. They are incredibly well read. Can speak at length on any topic. They truly love going deep into a topic and coming out with the crux of it (or so they may think). Now I know one thing. These are very obvious things. Everybody knows if you do this, you probably would become successful. But my takeaway is to do it. It's super difficult. But at my age, I have no option but to not try, now that I have seen how its done.