Man’s Simple Savings Journey Goes Viral: Two Apartments, No Major Debt by 35
Man’s Simple Savings Journey Goes Viral: Two Apartments, No Major Debt by 35
A Reddit post by a man from Bareilly has taken the internet by surprise, gaining attention for its straightforward and honest account of how he went from earning ₹7,000 a month to owning two apartments and becoming nearly debt-free by the age of 35. Unlike most viral success stories filled with buzzwords and dramatic turns, this one is about everyday discipline, steady decisions, and avoiding financial traps.
The story, posted under the title “How I Bought Two Apartments (Noida & Bengaluru) and Became Debt-Free by 35,” has resonated widely because of its realistic tone and relatable journey.
A Modest Beginning
The man, born in 1990 in Bareilly, described himself as an average student who barely passed school exams. He didn’t get into top engineering colleges, and his attempts at major competitive exams like IIT, AIEEE, SSC, and UPSC all ended in failure. Despite these setbacks, he kept going and eventually got a job in Noida in 2013, earning just ₹7,000 a month. Later, he left that job to pursue a CDAC course in Bengaluru, but things didn’t immediately get better. After 45 rejections, he finally landed a better job.
During this time, he learned some key lessons from mentors and seniors. One HR professional once told him to treat savings like rent, something non-negotiable. He also advised against using credit cards, calling them a trap that encourages spending money that hasn’t yet come in. The man took this advice seriously and began managing his money with strict discipline.
Consistent Financial Habits
He avoided credit cards for unnecessary purchases, tracked every rupee, and lived a frugal life, cooking at home, shopping from local vendors, and staying away from luxury. He began investing small amounts in fixed deposits before moving to SIPs and stocks, which brought good returns over time. Though he admits he made investment mistakes, the habit of saving and reinvesting stayed with him.
By 2018, he had saved a significant amount and received bonuses from job switches, which helped him buy his first apartment in Noida. He took a loan of around ₹55–60 lakh for 25 years, with his father contributing ₹7 lakh for the down payment. His family made a deal that if he defaulted, the house would be sold, no financial rescue. This motivated him to stick to his repayment plan, even paying more than 12 EMIs a year whenever possible.
In 2021, he met his now-wife on Instagram after commenting on a chai photo. They eventually married and had a child. Around the same time, he moved back to Bengaluru for a new job. His wife, then pregnant, wanted to raise their child in their own home, which led to a second home purchase. He took another loan of ₹40 lakh for this apartment and ₹10 lakh more for a car.
At one point, he was managing three loans totaling over ₹1 crore. Yet he has already paid off nearly 80% of the total. He continues to keep a part of the loan active, mainly to claim tax benefits.
Many readers connected with the post not because it was flashy, but because it was familiar. He never topped any exam, never studied abroad, and never experienced a sudden breakthrough. But he stayed consistent, kept improving, and avoided lifestyle inflation. He never gave in to impulse spending and took every job seriously, even when the pay was low.
Today, at 35, he owns two homes, lives with minimal debt, and enjoys family life. His story is a reminder that ordinary people can achieve big goals, if they are willing to stay steady and keep going, no matter what.
