Many people dream of financial freedom, but only a few achieve it. Gurjot Ahluwalia, a senior manager at Accenture Strategy in Gurgaon, is one of them. He recently shared how he grew his net worth to ₹5 crore in just 11 years.
His journey from a middle-class salaried employee to multi-crore wealth has inspired many. In a social media post, he called it his biggest achievement of 2024 and shared a screenshot from his finance app, showing ₹5 crore in total assets and only ₹2.7 lakh in liabilities.
Let’s take a closer look at how he did it and what we can learn from his story.
How He Built His Wealth – 3 Key Strategies
Ahluwalia says his financial success came from three simple but powerful strategies:
- Career Growth and Higher Income
- He focused on learning new skills, getting promotions, and increasing his salary.
- A higher salary meant more money to save and invest.
- Smart Savings and Simple Living
- Instead of spending on unnecessary luxuries, he saved aggressively.
- He controlled his expenses and prioritized long-term financial security over short-term pleasures.
- Investing in the Stock Market
- He invested in equities (stocks) consistently over the years.
- Compounding helped his money grow significantly over time.
How He Kept Expenses Low
Ahluwalia had two major advantages that helped him save more:
- No Education Loan – His parents paid for his education, so he didn’t have to worry about student debt.
- No Rent – He lived with his parents, which saved him a huge amount that others spend on rent.
These factors allowed him to invest more of his income, helping him reach his ₹5 crore goal faster.
Stock Market Losses and Challenges
Even though Ahluwalia has been successful, he also faced market losses.
Recently, due to a sharp fall in the Indian stock market, his portfolio dropped by 8-10%. In just one day, he lost ₹8 lakh. He even joked that if this continues, he might be “broke in 50 days”.
However, since he has a strong financial plan, such temporary losses don’t bother him. He remains focused on his long-term goal of retiring early in 2025 with financial independence.
What We Can Learn from His Journey
Ahluwalia’s story teaches us that:
✔ Investing early and consistently can build wealth over time.
✔ Smart savings and simple living can help grow your financial security.
✔ Focusing on career growth leads to a higher income, which can be invested wisely.
✔ Market ups and downs are normal, but long-term investments pay off.
His journey proves that anyone can achieve financial freedom with discipline, patience, and smart money management.
