Title: Roadmap to 40: ₹2.5Cr NW to Farming Venture
Hit ₹2.5Cr true net worth at 30 (single), but heavily RE skewed. Goal is to retire by 40 and start a farm.
Salary: ₹1.42L take-home
Flat: ₹2.25Cr (₹25L loan remaining)
Liquid: ₹50L in Stocks/MF/Gold/PF
With a 10-year horizon, how do I fix this illiquidity bottleneck? Do I clear the house debt first or push everything into high-growth equity? Target milestone for 35?

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Bro don't include your flat in your networth nobody would pay 2.25 Cr tomorrow if you would want to liquidate at urgent

Correct. And it's for end use not have money value. It will have emotional value to it

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