The first crore is built through work. The next crores are built through discipline. Both need different skills. - from my podcast with INDmoney

@INDmoneyApp Skill is best for all people need

❤️🙏

@INDmoneyApp Hope you remember few yrs back you had suggested people not to have gold in portfolio 😂

@INDmoneyApp Skills Matters 🙏

@INDmoneyApp Good take, Feroze. I always find your insights data backed and valuable. I also made a similar mistake before even reaching a crore when I was young. Tried derivatives and lost significant capital. Took time to rebuild again.

@INDmoneyApp Timely needed these Words Thanks

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Feroze's point on work vs. discipline is classic. But today, in May '26, we're seeing a shift. The first ₹1Cr is still grit. But the next? Discipline yes, but also *algorithmic edge*. Consider the Nifty Smallcap 250. Since Jan '24, it's up ~45%, outpacing the Nifty 50 by a good margin. Many of these are AI-driven discoveries, not just steady blue-chip compounding. We've also seen FIIs pour a net $12bn into Indian equities in the last 6 months, often targeting specific growth pockets identified by AI models, not just broad market discipline. The narrative is evolving beyond just personal discipline for wealth. The real differentiator for the *next* crores is increasingly about identifying and leveraging technological advantages.

@INDmoneyApp First crore: income, savings rate Next crores: asset allocation, patience, compounding

@INDmoneyApp Skills matters

@INDmoneyApp Making your first crore is skill. Keeping it is mindset. Growing it is discipline. Most people master the first and lose on the next two.

@INDmoneyApp Great one !

@INDmoneyApp Watched this today morning. Very well explained. Thank you and appreciate your wisdom and your integrity towards investors. Keep it up sir. 🙏🙏

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