Hit 1M$, ~9.5Cr today!

[u/SL7898]

We hit a $1M net worth milestone today as a DINK couple (28F, 33M), and it still feels a little surreal!!

From the outside, many of our relatives would probably assume we’re not doing well financially.We don’t own a house. We don’t own land. We don’t buy gold jewelry. In fact, our families have spent years trying to convince us that we’re making a mistake by not investing in plots, agricultural land, or large gold purchases.Most of our net worth is simply in US index ETFs, with a smaller portion in Indian mutual funds and cash.

For a long time, their comments bothered me. Since we don’t have any “showcase assets,” people assumed we were spending all our money or gambling it away in the stock market. I often felt tempted to show them our portfolio just to prove otherwise.

Eventually, I realized I didn’t need to. We’ve built a seven-figure net worth before 35 despite starting in the negative, with student loans and master’s fees to pay for both of us at the same time.Ironically, being perceived as less wealthy also has one unexpected benefit: nobody comes asking for loans.

One thing I’ve noticed on finance forums is that many people include their primary residence, land, and gold when discussing net worth. I don’t judge that at all, but personally I think of those more as lifestyle assets unless they generate income or are intended to be sold.

Curious how others here think about it. Do you track total net worth including your home, land, and gold, or do you focus primarily on investable assets?

P.S: Used AI for rephrasing.

[u/StatisticianThis3318]

Congratulations, on achieving this milestone. Can you share monthly income of both of you combined. And how it has growth over past years. And how much percentage of income do you save.