By Sushil Tripathi

Financial freedom by 50 with modest salary: In the salaried class, it is common to see people spending their early career years primarily to meet immediate needs and other responsibilities. Retirement planning often takes a backseat during this period. For some, the starting salary is simply not sufficient to cover both their day-to-day obligations and long-term savings. However, the real worry begins as age advances.

Consider the case of Rakesh (a fictitious name). At 35, he began feeling the stress of retirement planning. Until then, he had made little to no provisions for the future, and the thought of post-retirement life was unsettling. Initially, he set a goal of accumulating a corpus of ₹50 lakh by the time he turned 50—essentially giving himself 15 years to ac

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