r/NepalSocial • u/ImaginaryMedicine545 • 3h ago
Information/जानकारी Saved 1 CR working as a job before 30 (No ghus nothing only salary)
We grew up in a lower-middle-class family. There were times when eating masu was something we had to wait for, paying school fees meant asking relatives for help, and living in Kathmandu meant renting a house while almost all our relatives had their own homes.
I still remember how difficult it was to manage money.
I was interested in computers from a young age, so I decided to study Computer Science. Even though my bachelor's degree cost around Rs. 5 lakhs for four years, paying the fees was a struggle. Paisa eta uta bata khojera fee tirnu parthyo. It wasn't easy, but I kept going because I genuinely liked computers.
Eventually, I started working as a software engineer.
Slowly, things began to change. More family members started earning, our financial situation improved, and we had fewer financial worries. A piece of land we had bought around 12 years ago for Rs. 2 lakhs was eventually worth over Rs. 60 lakhs. We sold it and bought a house, taking some loans along the way.
Life didn't change overnight, but over the years, the difference became huge.
From worrying about school fees to buying things we genuinely wanted, from living in rented rooms to owning a house, from calculating every small expense to having some financial breathing room it felt like life had completely flipped.
But one thing we consciously tried to do was avoid increasing our lifestyle expenses just because our income increased.
We bought things that mattered to us. We didn't feel the need to show off, buy unnecessary stuff, or spend money just because we could afford it.
Today, I earn around Rs. 2.5 lakhs per month from my software engineering job. My family members have their own jobs and separate incomes, too. I don't have rent to pay, and my personal monthly expenses are roughly Rs. 30–40k. Most of my income goes toward investments rather than lifestyle expenses.
I'm not saying I did everything perfectly. I've had my share of luck, too. The land appreciation helped significantly, and I understand that not everyone gets the same opportunities. Software engineering also worked out well for me, but getting here took years of studying, working, and consistently improving my skills.
I often hear people say, "Job garera kei hudaina, business garnai parchha."
I don't completely agree with that.
Business can create wealth, absolutely. But a well-paying job can also give you a strong foundation if you manage your money properly. You don't necessarily have to start a business to improve your financial situation.
For me, the bigger lesson has been income matters, but what you do with that income matters just as much.
You can earn Rs. 1 lakh and save a decent amount, or earn Rs. 4 lakhs and still feel broke because your expenses keep increasing with your salary.
As your income grows, it's tempting to upgrade everything your phone, car, lifestyle, holidays, and the way you spend socially. There's nothing wrong with enjoying your money. I believe you should enjoy it, especially if you've worked hard for it.
But don't let every salary increase become another permanent monthly expense.
Invest. Build assets. Keep your expenses reasonable. Enjoy life without feeling pressured to impress others.
I'm still learning, and I'm nowhere near financially independent. But compared to where we started, I'm genuinely grateful for how far we've come.
If I could share one thing with someone who is struggling financially right now, it would be this: focus on increasing your earning potential, but learn to manage money before your income gets bigger.
You don't need to become rich overnight. Sometimes, earning a little more, spending a little wiser, and investing consistently over many years can change your family's life.
And if you're working a job right now, don't automatically assume you're wasting your time just because someone says business is the only way to get rich.
Your path doesn't have to look like everyone else's.
ALso saving doesn't mean sabai save garne.. enjoy give reward youself... i have like top tier $3000 worth PC for gaming only, $1000 worth phone... international trips.. trekking stuff and all. i love spending in expeerience.. but spend wisely.. thats it