A story from Bengaluru is making people rethink everything they believe about early retirement. A couple earning a combined Rs 3.2 lakh a month has quietly built a multi-crore plan for their forties, and they’ve done it without extreme frugality or dramatic sacrifices. Their approach, shared by CA Nitin Kaushik on X, shows how simple consistency can outperform high-risk investing or sudden windfalls.
According to CA Nitin Kaushik, the couple lives in an inherited home, which means they have no EMI weighing on them. This freedom from monthly liabilities gives them the space to think clearly about long-term planning. And instead of letting income tempt them into lifestyle upgrades, they make a deliberate choice every single month: they invest Rs 1.8 lakh through SIPs without missing a single cycle.
Over a year, their commitment adds up to Rs 21.6 lakh, and they plan to keep this rhythm going until they turn 50. With a conservative assumption of 11 per cent CAGR, CA Nitin Kaushik explains that this routine alone can build a projected corpus of roughly Rs 3.9 to 4.3 crore in the next decade. There’s no complicated strategy behind it—just the quiet power of compounding doing what it naturally does.
What drives them is not the dream of getting rich quickly. The couple told CA Nitin Kaushik that early retirement, for them, is about stepping away from financial anxiety. They prioritise clarity, stability, and the freedom to control their time. Their emotional motivation breaks down into freedom from uncertainty, the desire for stability, wanting more personal time, and finally, wealth-building as the smallest part of the equation.
They keep their investments balanced with equity mutual fund SIPs, a small allocation to NPS, and a steady emergency fund. Nothing elaborate or risky—just enough diversification to stay steady. Through their journey, CA Nitin Kaushik highlights a simple truth: financial freedom is not a jackpot moment. It grows slowly, almost silently, through habits that look boring from the outside.
Their formula is straightforward. Start early, avoid unnecessary debt, invest consistently, and let compounding work in the background. It’s a path anyone can follow, and their story shows how powerful it can become when repeated month after month.