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				<title>How should I approach equity investing to achieve financial independence?</title>
				<link>https://freefincal.com/how-should-i-approach-equity-investing-to-achieve-financial-independence/</link>
				<pubDate>Wed, 24 Dec 2025 00:30:40 +0000</pubDate>
								<dc:creator><![CDATA[M. Pattabiraman]]></dc:creator>				<guid isPermaLink="false">https://freefincal.com/?p=234116</guid>
					<description><![CDATA[A reader says, &#8221; I am 30, married, and have a 3-year-old daughter. I come...]]></description>

				<content:encoded><![CDATA[<figure><img src="https://freefincal.com/wp-content/uploads/2025/12/How-should-I-approach-equity-investing-to-achieve-financial-independence.jpg" class="type:primaryImage" /></figure><p>A reader says, &#8221; I am 30, married, and have a 3-year-old daughter. I come from a middle-class background, and although I have completed my bachelor&#8217;s degree, I’ve worked in HR more out of necessity than passion&#8221;.</p>
<p>&#8220;Over time, I became interested in financial literacy, especially through watching YouTube videos on equity investing. As I started learning, I realized the immense potential of equity markets and began investing. I focused primarily on short-term trading and saw decent profits&#8221;.</p>
<p>&#8220;However, due to my night shift job, I could not dedicate sufficient time to monitor the markets during the day, which eventually impacted my returns. Despite this, I continued learning and investing. Still, I started feeling that my current company would not offer any significant growth or financial support and that I would eventually be replaced. This led me to consider quitting my job&#8221;.</p>
<p>&#8220;For the past few years, I have been deeply focused on learning about equity investing, constantly improving my skills, and staying up to date with market trends. I came across your videos, and I must say, your journey and insights have truly inspired me. Your perspective on money, minimalism, saving strategies, and the importance of continuous learning resonates deeply with me. I feel like I am in the learning phase of my life, and I want to grow from your experiences&#8221;.</p>
<p>&#8220;I am at a crossroads and would greatly appreciate your guidance. I am considering quitting my job to focus entirely on equity investing. Fortunately, I don’t have many debts, and I believe I can support my family with a monthly income of around 35,000 INR. However, I want to ensure that I’m making the right moves in equity, focusing on the right strategies, and avoiding mistakes that could hinder my growth&#8221;.</p>
<p>&#8220;I am committed to working hard over the next 10 years and aspire to build a future where I can spend my life happily and peacefully with my wife and daughter. I don’t want to live a lavish life, but I want to make money work for me rather than just working for money. My goal is to create a stable and successful financial freedom lifestyle&#8221;.</p>
<p>&#8220;I would be truly grateful if you could offer some advice on how I should approach equity investing, what I should avoid, and how to follow a path to success. Please consider me as your student and guide me with all your perspectives in a positive way, actionable steps that can help me grow and become financially independent&#8221;.</p>
<p>You need money to make money. For this, you need a reliable and scaled source of income. Trading is NOT that source. Trading is an unreasonable risk where more people fail than succeed. See <a href="https://freefincal.com/reasonable-and-unreasonable-risks-in-investing-and-money-management/">Reasonable and unreasonable risks in investing and money management</a>.</p>
<p>So remain employed in a &#8216;proper&#8217; job and focus on increasing your skills and income. Stop watching content related to equity investing. That is not a reliable skill.</p>
<p>Aim to invest as much as possible in your long-term goals, like financial independence and your daughter&#8217;s education. You will need an asset allocation of 50-60% equity and the rest in fixed income.</p>
<p>A single Nifty 50 or Sensex index fund is enough for the equity part. For fixed-income and EPF, you can use PPF if you have room for asset allocation. You can add a debt mutual fund later when you need it.</p>
<p>Invest each month in these and increase your investments as much as possible each year. That is it. You don&#8217;t need anything else except conviction, patience and discipline.</p>
<p>The post <a href="https://freefincal.com/how-should-i-approach-equity-investing-to-achieve-financial-independence/">How should I approach equity investing to achieve financial independence?</a> appeared first on <a href="https://freefincal.com">freefincal</a>.</p>
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