Bengaluru engineer, 25, has net worth of Rs 40 lakh. Here's how he built it

No inheritance, no family wealth and no shortcuts, yet a young Bengaluru engineer says he managed to build Rs 40 lakh in net worth surprisingly early. His story, shared on Reddit, is now catching attention for its simple money lessons.

In Short

• 25-year-old Bengaluru software engineer built Rs 40L net worth in 2 years
• Invests 70% of Rs 2.1L monthly salary via SIPs, avoids debt and EMI
• Learned from early stock tip losses, now prefers index funds following Buffett

What if someone told you that failing maths twice in school does not stop you from building wealth? A 25-year-old software engineer from Bengaluru is proving just that. Just two years into his first job, the young professional says he has built a net worth of Rs 40 lakh — without family wealth, inheritance or risky shortcuts.

In a Reddit post, the engineer shared how discipline, simple investing and controlled spending helped him hit the milestone earlier than he had imagined.

“25M, software engineer in Bangalore, 2 years into my first job. Hit Rs 40L net worth last month. Parents earn ~Rs 30k/month combined in a small town, no inheritance, no property, no safety net.”

A SIMPLE FORMULA: SAVE FIRST, SPEND LATER

The Reddit user said one habit made the biggest difference, i.e., investing most of his income consistently. According to him, he invests nearly 70% of his salary every month.

His current salary stands at around Rs 2.1 lakh per month after tax, and he claims to invest Rs 1.55 lakh through SIPs.

“Stayed in 3-sharing for the first 1.5 years to make that rule hold. No EMI on anything. iPhone bought full cash.”

He also avoided debt and kept financial boundaries clear.

“No loans to friends/family. If I give, I don't expect it back.”

LEARNING FROM MISTAKES EARLY

The journey was not perfect. Like many young investors, he admits he made mistakes in the beginning by chasing stock tips online.

“Year 1 I chased smallcap tips from Telegram groups. Took real losses. Sold all of it and moved into index funds. Wish I’d skipped that phase.”

Instead of chasing quick gains, he later shifted to what he called “boring index SIPs”, inspired by legendary investor Warren Buffett’s philosophy of long-term investing.

WHERE HIS MONEY GOES

The engineer shared that his monthly SIP portfolio includes investments across index funds, midcap funds, global exposure, arbitrage and gold ETFs.

His biggest investments include the Nifty 50 and midcap index funds, followed by Nasdaq exposure and gold.

“I follow Buffett's "buy the index and chill" idea but not sure my mix matches that. Goal is to retire by 40.”

For many young earners, his story is less about earning big and more about staying consistent with money habits from the start.

- Ends