u/Haunting_Gur_5864

24M, earning ₹70k/month. planning to putting ₹45k/month in SIPs (18% expected return which is very optimistic, 6-year ). Calculator says I'll end up with ~₹58L by 30, but the retirement corpus I actually need is ₹1.22 Cr . That's a ~₹73L gap and I'd need to invest ₹1.16L/month min to close it — which is way more than I earn

currently i have nothing saved, how do i proceed, youtube makes it sound easy but amount ka gap kaise kaam hoga

any opinions?