Financial planning is a must for couples these days. The cost of living is increasing, medical expenses are becoming unexpectedly heavy. There are many hopes for children’s education and future. In this situation, earning ₹1 lakh–₹2 lakh per month is not enough.
Managing that money properly is the real wealth creation. With the right strategy, it is possible for even a couple with this income to accumulate more than ₹11 crore by the time of retirement. That is the path to wealth that I am going to show you now.
Establish the necessary security first
Before starting investments, you should make sure that your family is financially protected.
Your top priorities should be:
*Home Loan EMI / Rent Planning. *Emergency Fund. *Children’s Future Education Fund. *Personal Health Insurance. * Insurance
Many employees feel safe because they have company insurance. But that insurance also ends the day they leave their job.
That’s why personal health insurance is a must for you and your family
Why term insurance? Even if your income stops… your responsibilities don’t stop!
Prepare an emergency fund that is enough for 6 months
You never know when unexpected situations will arise.So, you should keep an emergency fund that is enough for 6 months of expenses separately.
It should include:
*Children’s school fees *Home loan EMI or rent *Car loan EMI *Fixed household expenses
It protects you from having to touch your investments during an emergency.
A golden rule:
Home loan EMI = < 25% of total income only
This will balance your budget.
Keep monthly expenses under control
An important rule if you are under 32 years of age
Monthly expenses = 60% of total income only
Example:
Monthly income = ₹1,50,000
That means expenses should be < ₹90,000
Then you would have available for investments:
₹60,000 / month
As investment capacity increases
Wealth grows faster.
Your savings percentage is more important than your income!
Things to note
✔ Update your goals based on inflation
✔ Tax + cess will apply if you redeem SIPs early
✔ Increase SIPs according to salary increase
✔ Consider Corporate NPS (80CCD (2)) for tax savings Discipline = Builds wealth beyond returns.
Conclusion: Beyond earnings… Planning is wealth
Even a couple with an income of ₹1–₹2 lakh per month
With smart planning + discipline + security- wealth in crores can be accumulated.
✔ Health & term insurance.
✔ Strong emergency fund.
✔ Control expenses.
✔ Continuous SIP investments.
✔ Investing consistently for a long time.
This is the principle that turns even an ordinary couple into a wealthy couple!
Your journey to ₹11 crore
starts with just one SIP.
If you don’t start today…
