The Simple Path to Wealth Explained for Indian Investors
No tension, no confusion - a middle-class guy learning how to build wealth, the simplest way
“Uncle, paisa toh aaraha hai… par zindagi me sukoon kabhi nahi aata.”
Bunny looked like he hadn’t slept properly in weeks - not because of Netflix, but because of his net worth.
“Monthly salary aati hai, aur ‘Evaporate’ ho jaati hai.
Haath aati hai, muhh ko nahi lagti
Kabhi loan ka EMI, kabhi girlfriend ka gift, kabhi naya iPhone Pro Max.
There is no balance in my bank balance.”
I poured him chai, smiled, and said,
“Bunny, tum paisa kama rahe ho, lekin system nahi bana rahe. Aur bina system ke, paisa bhot mushkil se muhh ko lagta hai.”
He looked up. Tired, but hopeful.
That’s when I opened my secret weapon - a book that changed my life with only five words: “The Simple Path to Wealth.”
Characters: Bunny & Investing Uncle
Meet Bunny - 28 year old, salaried, smart, but always stressed because of poor money habits.
He earns well but is left with no money, 20 days into the month.
Enter me, Investing Uncle - calm, wise, and always armed with chai, charts, and chiller jokes.
The Problem
“Uncle, sab kehte hain invest karo. Par kahan? Kitna? Kaise?
Index fund, mutual fund, equity, debt, ELSS, ETFs - it’s a complete mess for me!”
“Bunny, tumhe bass chahiye, ek plan, ek path aur sirf ek book.
Naam hai - The Simple Path to Wealth by JL Collins.”
Bunny raised an eyebrow. “Simple? Wealth? Together?”
“Bunny,” I said, “Simple toh hai. Magar tumhe discipline lana padega aur apni thinking change karni padegi.”
I pulled out a notebook, drew a smiley face with a rupee sign, and said:
“JL Collins ne apni beti ko samjhane ke liye ye book likhi thi, aur ab same cheez main tumhe samjha raha hoon.”
The Plan – Simple 4-Step Path (from the book)
Step 1: Spend Less Than You Earn
“Apni mehnat se kamae hue income ko respect do. Yaad rakho, har paisa jo save kiya tumne aaj, woh tumhari future freedom ka seed hai.”
I added, “Chahe salary 60,000 ho ya 6,00,000 - agar kharcha jyada hai, toh gareebi guaranteed hai.”
Step 2: Avoid Debt like a Ghar Ka Rishtedaar Who Borrows and Forgets
“Credit card ka full payment karo. EMI ko bhool jao.
Debt, karze, EMI, Loan se jitna durr raho, utna behtar hai.”
Step 3: Invest in Low-Cost Index Funds
India mein bhot saare Low-Cost Index Funds hain, apni research karo, risk samajho aur unhi me invest karo (like Investing Uncle do).
Low cost. Low expense ratio. No drama. Long-term me Compounding ka ‘luft’ utthana.
Step 4: Stay the Course
“Matlab market girta hai? Chill karo.
Market chadhta hai? Chill karo.
Tumhara ‘Karma’ hai invest karna, aur apni life ko enjoy krna”
Bunny sees his future clearly
I showed him a graph:
Bunny earns ₹60,000/month
And if he saves, 15,000/month in Low-cost Index Fund
After 20 years, he could have ₹1.2 crore+ (basis historical returns of 12% CAGR)
And if he increases his SIP slowly? Even more!
Bunny’s eyes widened. “Bass itna simple?”
I nodded.
Grow your savings like your belly - slow, steady, and unstoppable.
Bunny Becomes Smarter, Calmer, Wiser
He took a deep sip of chai.
“Uncle, ab lagta hai paisa mera naukar ban sakta hai.”
I grinned. “Bas usse boss banne mat dena. Aur haan -
Pichle blog mein jo bataya tha -
Why Most People Delay Investing (and How to Fix It Today)
- usse yaad rakhna. Delaying is costlier than losing money.”
“If Bunny can do it, so can you, My Reader.”
Dear reader,
Bunny isn’t special. (Don’t tell him I said that)
He just chose clarity over confusion.
Action over anxiety.
You can too.
You don’t need a fancy degrees or daily stock updates.
You just need:
A steady income
A simple saving habit
An index fund
And the patience of a lifetime (that Investing Uncle will teach, just subscribe)
Earn. Save. Invest. Relax. Repeat.
“Paise ka rocket banaana hai? Toh liquid hydrogen nahi, patience bharna padega.”
“If this blog hasn’t pushed your thinking, challenged your habits, or annoyed you into becoming a smarter investor… then maybe Uncle have failed.
But if it did - and you still found value - the least you can do is Buy Uncle a Cup of Tea.”
And If, you’ve got opinions (and I know you do), throw them in the comments. Subscribe too - or risk missing Uncle’s 09:15 AM money-punch next Sunday.
Disclaimer: Mutual fund investments are subject to market risks, read all scheme related documents carefully before investing. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation. This blog/Website is for Educational purpose only. Any reference should not be treated as any form of Financial Advice.
Any person referred to in this post is purely coincidental. The characters, names, and situations mentioned are for illustrative and educational purposes only and are not intended to represent any real individual.
‘Investing Uncle’ is NISM Series V-A Certified (Mutual Fund Distributor’s Certification Examination) conducted by National Institute of Securities Markets (NISM)
Investing Uncle is not SEBI/AMFI Registered.