By News18,Parishmita Saikia

Copyright news18

If you earn Rs 25,000 a month, dreaming of owning a large car and a house might often feel like an unrealistic ambition. However, business coach Deepak Wadhwa believes that with patience and discipline, even modest earners can turn this dream into reality. Writing on LinkedIn, he asked if you’ve ever heard of buying a Fortuner and a house on a salary of just Rs 25,000. It sounds far-fetched, doesn’t it? But the numbers tell a different story.
Wadhwa outlined a straightforward plan involving small but regular investments that can transform the financial situation of anyone willing to be patient.
How To Achieve The Dream Of Buying A House & Car?
He advises starting a Systematic Investment Plan (SIP) of Rs 5,000 on a salary of Rs 25,000, increasing the investment by 20% each year. In 15 years, this approach could build a portfolio worth Rs 1.5 crore, which can then be converted into a Systematic Withdrawal Plan (SWP), providing around Rs 2 lakh per month for the following 30 years.
In other words, beginning with a monthly SIP of Rs 5,000 and increasing it by 20% annually can make a significant difference over time.
According to Wadhwa, this strategy can make seemingly impossible goals, such as buying a Fortuner or paying off a home loan, suddenly achievable.
Compounding: The Key To Long-Term Growth
Wadhwa emphasises that investment growth relies heavily on compounding, which means earning returns not only on the original amount invested but also on the returns already accrued.
He explained that patience and steadily increasing investments build a substantial portfolio, which can later generate monthly income through a SWP. “This is not a get-rich-quick scheme. It is the magic of compounding combined with discipline”, he said.
Discipline Is Essential
His advice suggests that with careful planning, managing EMIs for both a home and a vehicle is possible even on a modest income.
Wadhwa’s approach focuses on discipline and gradual growth rather than risky, large investments. Suddenly, the idea of paying EMIs for a Fortuner and a lovely home doesn’t seem out of reach.
Patience And Realistic Expectations
Wadhwa stresses the importance of patience in wealth creation. The real challenge, he says, is not whether one can afford big purchases immediately, but whether they have the patience to build the necessary funds over time. As he puts it: the question isn’t “Can I afford it?” but “Am I patient enough to build it?”
The message for young earners is clear: even on modest salaries, long-term goals are achievable if you trust the process of compounding and maintain discipline.
His advice highlights realistic expectations and consistency, reinforcing the idea that financial success often comes from simple habits and long-term planning.