u/Last-Yard7517

From one meal a day to ₹3.85 crore net worth at 32 — but I still feel the same inside

32M here, getting married this December.

I come from a very humble background. There were times when we had only one proper meal a day and had to borrow money from neighbors or relatives just to manage basic expenses.

I started freelancing in 2019, kept growing, hired people over time, and things eventually worked out well. Right now I’m making around ₹20 lakh/month on average. Last year I made around ₹2.5 crore, and after taxes it was around ₹2 crore.

Estimated net worth:

Mutual Funds — ₹2.20 crore

Cash — ₹20 lakh

Jewelry — ₹20 lakh

Two Cars — ₹25 lakh

House — ₹1 crore

Total: ₹3.85 crore

The strange thing is that despite reaching a place I never imagined, I still don’t feel much different. I still avoid expensive places because I feel like I don’t belong there. I love traveling but rarely do it because I’m always chasing more stability.

I don’t get excited by money, gadgets, cars, or expensive things anymore. Maybe growing up with financial struggles created guilt around spending money.

The only thing that still genuinely pulls me is mountains and calm surroundings. Sitting somewhere peaceful, away from noise, somehow feels more valuable to me than expensive things. Sometimes I feel that’s the only thing in life that still gives me a real sense of happiness.

If you were in my position, would you continue focusing on building wealth or start spending more on experiences and enjoying life? How do you actually learn to enjoy what you worked so hard for?

TL;DR: Grew up struggling financially, built a freelancing business, now 32 with ~₹3.85 crore net worth and earning ~₹20 lakh/month. But I still feel guilty spending money and don’t get excited by material things anymore. Mountains and peaceful places seem to give me more happiness than luxury. Looking for advice on how to actually enjoy life.

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u/Last-Yard7517 — 5 days ago

2+ Years in Mutual Funds and Still Haven’t Seen Green

Age - 32, freelance graphic designer. I have team of graphic designers that how I make money.

Started investing in mutual funds in January 2024 and it’s been 2+ years now, but my portfolio is still in red

The negative percentage is very small, so I’m not really worried. My risk profile is moderate, and I don’t panic even if my portfolio goes down 15–30%. My investment horizon is at least 5–7 years since I already have a financial backup for almost 5 years.

It’s just funny that ever since I started investing, I’ve never seen my portfolio in green even once.

My goal is to invest up to ₹2 crore eventually. Hopefully there will be a day when I finally open the app and see a green portfolio

Sometimes it feels like the market decided to stop going up the day I started investing.

u/Last-Yard7517 — 12 days ago