A recent report says Indians now need ₹3.5 crore to retire comfortably. But is that true? Here is your REALITY CHECK: — ₹1 crore in 2045 = ₹20–25 lakh today — Monthly expense ₹40k today = ₹1.2L in 20 years (assuming, 6–7% inflation) —Affluent Indians now keep only 15% of portfolio in cash So ₹3.5 crore is not a “rich people” goal. It’s bare minimum for a normal, middle-class life after 60. But how can you save that much? 1. Start SIPs NOW. Even ₹5,000/month for 25 years at 12% = upto ₹1 crore 2. Follow the 30× Rule: If you expect to spend ₹1L/month after retirement, You need ₹3–3.5 Cr corpus. This covers around 25–30 years of life without income. 3. Invest smart: Mutual funds, NPS, PPF, Gold. Diversify in assets. 4. Increase SIPs as your salary grows (Don’t stay stuck at ₹5K) What’s your ideal retirement corpus that you aim to achieve? ❤₹1 – ₹2.5 crore 🙏🏻₹2.5 – ₹5 crore 👍🏻₹5 crore+  💯15cr