India, Aug. 27 -- Rs. 25 lakh in savings and investments can feel like a distant goal when your first take-home salary is Rs. 50,000 a month. But your starting salary does not determine how quickly you build wealth.

What matters is whether your savings grow with your career. Start with what you can afford. The idea in your 20s is to develop financial discipline. As your career progresses and your income rises, your savings can gradually increase, reaching 20%, 30%, and eventually 40%. While Rs. 1 Cr could still feel far, by your early 30s, Rs. 25 lakh can become a realistic first wealth milestone.

Rs. 1 crore is often considered the first major wealth goal. But Rs. 25 lakh is where that goal begins to look achievable.

Reaching it means...