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I'm 28, Earning Well, But Have Nothing to Show for It—Should I Buy Land? | Dhruva Properties 2025

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I'm 28, Earning Well, But Have Nothing to Show for It—Should I Buy Land? | Dhruva Properties 2025

That Sinking Feeling You Can't Shake

You check your bank account after salary day.

Looks good for exactly three days. Then rent goes out. Credit card bill hits. Swiggy, Amazon, that "just one" shopping spree. Two weeks later, you're back to watching your balance nervously.

Meanwhile, your college friend just posted about buying property. Your cousin owns land. Even that annoying guy from work has "investments."

And you? You have a closet full of clothes you don't wear and a phone that'll be outdated next year.

The worst part? You're not even spending on crazy stuff. Just... life. Normal life. But somehow, nothing sticks.


Your Money Has an Exit Plan. You Don't.

Where does it actually go?

Rent: ₹15,000-₹25,000 (gone forever every month) Food & groceries: ₹8,000-₹12,000 (necessary, but vanishes) Subscriptions: ₹2,000+ (Netflix, Spotify, gym you don't use) Weekend spending: ₹5,000-₹10,000 (drinks, movies, "fun") Random shopping: ₹5,000+ (stuff you forget you bought)

Total: ₹35,000-₹50,000 monthly. Poof. Nothing to show.

What if just ₹15,000 of that went to land EMI instead?

Same monthly outflow. But in 7 years, you'd own something. Right now, in 7 years, you'll just have older versions of the same stuff.

Your money has an exit strategy. It's leaving and never coming back. You need an entry strategy—bringing assets into your life that stay.


The Comparison Trap is Real (And It's Telling You Something)

You don't want to care about what others are doing.

But then your friend casually mentions he bought land. Your colleague talks about property investment. Your relatives ask "beta, when will you buy something?"

And that feeling hits: I should be further along than this.

Here's the uncomfortable truth:

They're not smarter. They're not earning way more. They just decided to stop spending and start owning. That's literally the only difference.

You're comparing yourself to people who made one different choice. Not 100 smart choices. Just one: Buy land instead of buying lifestyle.

That one choice compounds. Everything else—the confidence, the security, the "having something to show"—flows from that one decision.

You can make that same choice. You're just... not yet.


Land Isn't Good, But Neither is Regret

Nobody posts land documents on Instagram.

Buying an iPhone? That's content. Europe trip? Feed gold. New car? Everyone will know.

Buying land in Gauribidanur? Your friends will say "where even is that?" Your date might not be impressed. Instagram won't care.

But here's what happens quietly:

That land appreciates 15-20% yearly. In 5 years, your ₹20 lakh investment becomes ₹50 lakhs. In 10 years, maybe ₹80 lakhs-₹1 crore.

Your iPhone? ₹80k becomes ₹5k. Your car? Depreciates every single day. Your Europe trip? Beautiful memory, zero financial value.

Choose:

  • Look successful on social media with nothing real
  • Look boring now, build actual wealth quietly

Ten years from now, which choice matters?


28 is the Perfect Age (And Also the Dangerous One)

Why perfect:

You can still afford entry-level land. You have 7-10 years before major family expenses hit. You have time for appreciation to work. You have energy to handle the process.

Why dangerous:

You're young enough to think "I have time." Old enough to have developed expensive habits. Comfortable enough with your salary to not feel urgency. Surrounded by people also doing nothing, so it feels normal.

The trap: At 28, you can postpone this decision easily. At 35, you'll wish you hadn't. At 42, you'll hate yourself for waiting.

Every year you wait:

  • Land prices go up 15-20%
  • Your ability to buy cheaply goes down
  • Your "I'll do it next year" becomes permanent

28 feels young. It's not. Not for this decision.


The Real Question You're Avoiding

It's not "should I buy land?"

You already know the answer. You felt it the moment you read this title. That empty feeling exists because you know you're not building anything.

The real question is: "Am I ready to feel uncomfortable?"

Because buying land means:

  • Saying no to things your friends say yes to
  • Looking "boring" for a few years
  • Monthly EMI that feels like pressure
  • Choosing future you over current you

That's uncomfortable. So you avoid it.

But you know what's more uncomfortable? Being 35, earning even better, still with nothing. Watching younger people buy land at prices you missed. Explaining to future kids why you don't own anything. Living with permanent regret.

Pick your uncomfortable. Both hurt. Only one builds something.

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