An Indian IT professional shared on Reddit how he built a net worth of Rs 9 crore over 20 years, starting with a Rs 3 lakh annual salary and no inheritance. Through disciplined, long-term equity investing and consistent savings, his portfolio grew significantly, reaching Rs 1 crore by 2016 and Rs 9 crore today with a Rs 65 lakh salary. He attributes his success to compounding, holding stocks for over a decade, and maintaining a modest lifestyle without relying on ESOPs or overseas income.