From Tax Saver to FIRE Chaser: He Planned 30 Years of Freedom in 10 | Aditya Kothari x Thefynprint

📞 Want to build your own goal-based retirement plan with NPS? Book a 1:1 call with our team: https://thefynprint.com/dashboard?utm_source=youtube&utm_medium=video&utm_campaign=nps_fire_aditya&utm_content=description_top "There is no fun in paying tax when you have an option of a product like NPS." Most people use NPS to save a little tax. Aditya Kothari used it to build a plan for 30 years of financial freedom in 10. He is 48. A senior marketing professional at one of India's largest retail chains. And he is closer than most people will ever get to genuine financial independence, not because he earned more, but because he planned differently. In this episode of Pension Pe Charcha, we sit down with Aditya Kothari to trace exactly how that shift happened, what his 120-month plan to fund 360 months of expenses actually looks like, and why NPS sits at the centre of it all. Aditya opened his NPS account in 2013 with ₹50,000 purely to test whether the tax advantage was real. By 2016 he had migrated to corporate NPS. By 2019 he had a goal-based FIRE plan on an Excel sheet that scared him. Today, his NPS portfolio compounds at 12% XIRR with 75% in equity, and he has done the math on what 25 lakhs sitting untouched at 45 becomes by 60. "I'm a product of the lot of mistakes that I made." In this episode, they cover: → Why Aditya's first investment was the wrong one and why that is more common than most admit → The 120:360 framework: saving 30 years of expenses in 10 years of work → How selling a second property gave him a 16-month head start and why he calls it a financial mistake → Why ₹3 crores is the number that works for his life, and how he arrived at it → Why FIRE does not mean quitting it means choosing to work on your own terms → How a ₹50,000 NPS experiment in 2013 turned into the backbone of his retirement plan → What nobody at his company told him about corporate NPS for two full years → The math on 25 lakhs in NPS at 45 compounding to 1 crore by

Added 30 Jul 2026