: You can find the hardcover or paperback on Amazon India or Flipkart .

The biggest factor in compounding is time, not money. Starting at age 20 gives you a massive advantage over someone starting at age 30, even if the 30-year-old invests twice as much.

While a static Rs 40 a day builds a massive sum, your income will naturally increase over time. By utilizing a —where you increase your daily investment by a modest percentage every year—your final wealth explodes.