The Get-Rich-Quick Trap vs The Power of Time

yesterday morning, I received a WhatsApp message from my client!

“I want to reach ₹1 crore in the next 5 years.”

The person who wrote this isn’t careless with money. In fact, he’s well qualified, earns a good income, has a stable job, and has been investing for over five years. Her current investment corpus is ₹25 lakhs — which is commendable.

But his goal reflected something we see far too often: the desire to get rich
quickly.

Compounding Is Powerful — But It Needs Time

If you’ve spent any time around personal finance, you’ve probably heard of
compounding. You understand the concept — your money earns returns, and
then those returns themselves earn returns over time.

But here’s the catch:

Many young investors understand compounding but haven’t experienced it
yet, and that’s not their fault. If you’re in your 30s, you simply haven’t seen
15–20 years of uninterrupted compounding in action. You may have invested
for 5 years, but that’s only the beginning. True wealth creation happens in
the later years, when compounding snowballs and your portfolio grows
faster than your contributions.

The Problem: Impatience Leads to Risky Shortcuts

Because compounding hasn’t had time to prove itself yet, it’s easy to doubt
it.

This doubt often pushes people toward:

• High-risk “hot tips”
• Get-rich schemes and scams
• Overtrading or chasing the latest fads
• Unrealistic expectations from short time horizons

But the truth is simple:

Apart from winning the lottery, there is no “quick” way to build sustainable
wealth.

The difference between these two paths isn’t knowledge — it’s discipline and
time.

Compounding is slow at first, then suddenly powerful. Those who give it
time, win. Those who try to rush it, usually don’t.

Wealth is built not by speed, but by staying power.

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