The story of : This is not just a purchase, this is a long-term investment and benefit.
Money is earned through investment, not through fun and hobbies.
Why is your progress not happening?
A good investment plan
Loan instalment and investment plans,
Jackie lived in a middle-class family, money was not much, but Jackie's friends were all rich and used expensive things like clothes, phones, cars, bikes, etc.
Jackie used to get very angry when he saw his friends because everyone's father was rich. He always hated and despised his father, and because my father had never done anything for me in life, he had ruined my whole life, why was I born in this middle class family, a middle class family and also stingy
This goes on and on and some time passes. Jackie has now taken admission in college. In college, many young people make scenes to make their mark, showing the power of money. Some take their girlfriends on expensive bikes, while others take them in cars.
Jackie started feeling all this as an insult, Jackie now thinks that one day I will become rich and I will also do such scenes, but how? He asks himself this question,
A thought comes to mind that the mistake my father made was not for the sake of making that mistake, so he decided to ask his father to explain all this to him and explain how his father could not progress in life.
Why is your progress not happening?
Jackie talks to his father, "Dad, why is there no progress in your life?" Hearing this, Jackie's father, instead of getting angry, tells Jackie with love, "Son, listen, why can you talk like this, that I have not earned any money?"
I have bought a house for you and your family, bought a farm and saved money, made gold and silver ornaments and kept them. I know I haven't fulfilled all your dreams, but you don't need to worry about the future.
Hearing this, Jackie said, "Yes, you did everything for us. What about my hobbies? I want to buy a good car, use expensive things. You have never given me as much money as I want."
Money is earned through investment, not through fun and hobbies.
Now Jackie's father gets angry and tells Jackie that despite doing all this, there is still a balance in my bank account. If you had given all this balance for your fun, then you would not have any money now.
Jackie's father explains to him that is it really that easy to earn money? No son, it is a very difficult task, earning money is not only important, it is also important to invest it in a good place. Today I have a wealth of 1 crore, if you use this money for such a useless hobby of yours, then all this money will be spent with less effort than the extra effort I have to put in.
Son, take a challenge that 5 years from now I will have this much money, how and why, don't think about it or buy expensive things.
After listening to Jackie's father's words, a light immediately went on in Jackie's mind and all his beliefs turned out to be wrong and Jackie finally regretted it.
A good investment plan
Now Jackie tells his father what should he do now to increase this wealth. So Jackie's father said that you should buy a house on loan and if you get a good job, then half of your salary should be used for loan EMI and the other half should be used for spending, that too not for hobbies.
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| The story of:This is not just a purchase, this is a long-term investment and benefit. |
Hearing this, Jackie said, "If I give half of my salary, where will I get the other half?"
So the father said, "Son, you don't need a house. We already have a house. So, if the house you buy has separate rooms, rent out all the rooms."
Wow Jackie was very happy after hearing this and said that I will get the house in half the money. Jackie's father said no, not in half, it will be free. Because you pay the loan installments for 5 years, so after 10 years you will also get your salary money.
Jackie still doesn't understand the matter because Jackie still doesn't know that for 5 years he pays the bank installments from his salary and half of the money is from the room rent. All this will be completed in 5 years, but why did Dad say that in 10 years I will also get my own money?
This is not just a purchase, this is a long-term investment and benefit.
Now Jackie's father explains that the 5-year loan
Loan: ₹9 lakh (approx., at 10% interest)
Tenure: 5 years (60 months)
EMI: ₹20,000 per month
Source of EMI payment:
₹10,000 from salary
₹10,000 from room rent
So you buy a house, and the loan will be paid off in 5 years.
Situation after 5 years
Loan = Fully paid
House = Your own asset
Now you don't pay ₹10,000 EMI — so ₹20,000 per month can go into your savings or investments.
Now look at 10 years from now (estimated future)
Let's assume two scenarios
Estimated increase in market value of a house
The average real estate price in India can increase by 6% to 8% per year (depending on location).
Let's assume an average increase of 7%:
House price per year (if today's price is ₹9 lakh)
Currently ₹9,00,000
5 years later ₹12,63,000
10 years later ₹17,70,000
So after 10 years, the price of that house can be around ₹17–18 lakh.
Rent Increase Estimate
If today's room rent is ₹10,000, and increases by an average of 5% every year:
Year Monthly Rent Annual Income
Currently ₹10,000 ₹1.20 lakh
After 5 years ₹12,760 ₹1.53 lakh
After 10 years ₹16,300 ₹1.95 lakh
So after 10 years your room rent can be ₹16,000+ per month, and
That will give you an income of up to ₹2 lakh per year.
Sum after 10 years
Issue price / Income
Market value of the house ₹17.7 lakh (estimated)
Annual rent up to ₹2 lakh
Loan outstanding ₹0 (fully paid)
EMI savings ₹20,000/month available for savings or investment
So at the end:
Your position after 10 years
House fully owned
Rental income ₹16,000+ per month
No burden of EMI
And the market value of the house almost doubled
Hearing this, Jackie says that you are farsighted and I was only thinking about today. I really hated you but it is my mistake. Forgive me, Dad.
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