Gen Z dilemma: Balancing dreams and crorepati goals

Summary: Can a Rs 50,000 salary cover your expenses, fund your dreams and still make you a crorepati? At 25, Samarth is trying to do just that without cutting corners. This story breaks down a practical investment plan for young earners balancing short-term desires with long-term wealth, one SIP at a time. At 25, Samarth is just two years into his job as a marketing executive in Bengaluru. With a monthly salary of Rs 50,000 and no household responsibilities, he wants to buy his own car soon, send his parents on a vacation every couple of years and build a large enough corpus to call himself a crorepati by his mid-30s. Having already saved up Rs 1.5 lakh, covering about six months of expenses, he is now ready to start investing. Essentially, balancing these short-term desires with the ambition of long-term wealth creation is his greatest challenge. In this story, we’ll help Samarth and others like him set up a simple, disciplined system that can fund today’s dreams without compromising tomorrow’s wealth. Laying the foundation The first step is not to chase returns blindly. With monthly expenses of Rs 25,000, a sensible emergency corpus is six to 12 months of expenses, which translates to Rs 1.5 lakh to Rs 3 lakh. The good news is that Samarth already has a corpus covering six months in place. He can build the rest slowly and steadily through a small monthly investment in a liquid fund. A Rs 4,

This article was originally published on September 20, 2025.