A Mother’s 17-Year Investment Plan : SIPs, Passive Income & Tax Hacks Explained

After 17 years of working in taxation, CA Richa has seen how most people handle money.

In this episode, she opens up about her own journey of building a personal corpus of ₹2.5 Cr while balancing family, career, and long-term goals.

From her first stipend to a portfolio spread across real estate, mutual funds, gold, and debt, her journey reflects a relatable Indian family wealth plan built over years - with honest mistakes, practical frameworks, and tax insights most salaried professionals don’t know.

What you’ll learn in this episode:

How she built a ₹2.5 Cr family corpus while raising two kids
The big money mistake she made and what it taught her
How rental income can be used to fund EMIs
Her real-life portfolio allocation and long-term thinking
Salary structuring and tax benefits most employees ignore
Her investment mantra : goal tagging

If you’re a salaried professional, a parent planning for your kids, or someone serious about long-term wealth building, this episode will give you clarity.

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Timestamps
00:00 Intro
01:08 Career journey
03:37 Joint family & money habits
04:57 1st stipend & 1st salary: how savings started
06:21 1st investments: NSC, FD, RD & early SIPs
08:23 Richa’s Financial Mistakes
10:29 How Richa rebuilt her investment strategy
11:42 Passive income strategy: rent vs EMI
13:00 Portfolio Allocation
14:39 Why NPS is done in March
16:34 What Richa does with Out-of-Form Funds
17:37 Planning kids’ education with mutual funds
19:20 How she & her husband plan money as a team
21:44 LTCG impact & CGAS : Richa’s advice
23:38 Salary structuring mistakes people make
25:56 Tax benefits under new tax regime & tips for employees
28:06 Final advice
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