Book a free consultation with our wealth expert today: https://qr.scripbox.com/3KswBhMIn this episode, we sit down with Ripan Dutta a 31-year-old Senior Product Manager at PhonePe to unpack a practical path to Financial Independence. At 31, he has built close to ₹5 crore in 6 years and is halfway to his FI target. He breaks down –1️⃣How he set a ₹3.5 lakh per month passive income goal.2️⃣The simple math to back-calculate corpus needs using risk-free post-tax returns.3️⃣Why focusing on income growth beats chasing an extra 2 to 3 percent returns?We cover his –1️⃣Shift from tax-saving only investments to aggressive SIPs.2️⃣Current SIPs of ₹2.5–3 lakh a month.3️⃣Diversified mutual funds with global exposure, direct stocks, a measured crypto sleeve, and ample emergency liquidity. He also shares hard-won lessons on ESOP documentation, why he rents and does not own a car or a house, and how he spends guilt-free on health, fitness and slow travel while still compounding toward freedom.Guest: Ripan Dutta — https://www.linkedin.com/in/ripandutta/Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.#MoneySkills #Scripbox #FinancialIndependence #PassiveIncome #SIPs #ESOPs #PersonalFinance #MutualFunds #FIRE