How Did She Make ₹5 Crore Networth? | 1 % Life

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Introducing Mrs. Malathi KS, the Director of Rewards Consulting at Mercer, who has unlocked the path to financial freedom with a net worth of ₹5 Crores! Residing in Bangalore, she's a true Real Estate virtuoso, with savvy investments in lands across Tumkur, Mysore, and beyond.
In today's exclusive episode, we uncover the gems:
💰 Malathi's journey to wealth
🚀 Her career kick-off at Bosch
💍 Financing her own marriage - now that's empowerment!
🏡 Real estate triumphs and strategies
👩‍👦 Why she prioritizes transparency about money with her son
This is a must-watch for anyone seeking mind-blowing insights into financial success! 🚀
Watch the full video and share your thoughts in the comments below 🗣️👇🏻
Subscribe:
The 1% Club:
KZbin : / @onepercentclub12
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Sharan Hegde:
Instagram: / financewithsharan
LinkedIn: / sharanhegde95
Twitter: / financewsharan
Malathi KS:
LinkedIn: / malathiinaction
#onepercentclub #financialindependence

[@onepercentclub12]

🔴Have you cracked the code to generating wealth💰 with little or no efforts? Let's sit and decode your personal finance journey on The 1% Club KZbin channel together. We just have 2 conditions: - You reside in Mumbai or are open to coming to Mumbai - You are happy to talk about your finances on camera Fill the Form Now! 👇 forms.gle/Fqkq7tRzvc5AyB1P9

[@AnjikaSarkar]

Hello my dear, We are looking for promoters who can advertise our platform please let me know how can we contact you ?

[@Cooperisbooed]

My granny came to Bangalore with 5rs. At 18, she had 2 daughters and lost her husband. She worked at people houses, studied 10th, then got a job in a nationalised bank. She bought a house at 75k in Rajajinagar worth around 2.5cr today and 60*40 site at 1lakh in 1992 around 2.5cr. Invested in ipos worth around 1cr today. She gets pension of around 40k a month. So overall worth around 6cr at age 90. Starting at 5rs. She retired at 10k a month salary, paying 100rs interest in an emi of 500. Literally works to be 20% interest rate

[@roseyfischer]

What caught my eye was how she managed to diversify her investments. She wasn’t just relying on stocks or real estate.

[@Bigwilli123]

It’s incredible. She started small, and from what I understand, it wasn’t just one lucky break. She was consistent with her investments and kept growing her portfolio bit by bit

[@Theodore-tu5zg]

It’s not just about making aggressive moves but knowing when to play it safe as well. A financial advisor would really be this helpful

[@MONROEJACQ]

Yeah, Joseph Nick Cahill, the Certified Financial Planner. He’s been working with people i know for years. I guess that’s a big part of why their portfolio grew steadily without too many setbacks too...most are worth over 6 cr

[@camela8445Mar]

You know, that makes sense. Having a CFP who really understands the market can make all the difference, especially when it comes to balancing high-risk and stable investments. I think it’s pretty reasonable that Joseph Nick Cahill offers free consultations

[@Kattyol1]

I think that’s the key-understanding that building wealth takes time and the right strategy. And you can only get so far on your own before you need someone who knows the ins and outs of the market

[@mohaniyer5800]

What a braveheart ❤ She has powered her way through life!

[@CODYGosling]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains.

[@RitaMeyers-oc4le]

This is very true. I believe investors should exercise caution with their exposure when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields

[@BigCheckerC]

@@RitaMeyers-oc4leYou are right about this

[@BigCheckerC]

A lot of people don’t seem to understand that Venturing into the market without professional help or insight and expecting to turn a profit is like turning water into wine, you would need a miracle.

[@AdvikKumar-fi8nr]

Haha😅 .. I think that is a brilliant idea, I tried managing my stock portfolio myself and I lost almost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then, I have made up to $350k in returns.

[@AdvikKumar-fi8nr]

Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.

[@kssntsh]

@Malathi was my manager in my first 1st Company Infosys BPO, she is an amazing person, she contributed to my professional journey a lot in giving lot of good Opportunities to grow.. Freedom to express my thoughts and I am still in touch whenever I need professional guidance.. Thanks Malathi K S

[@mrunaldeshpande8972]

Please bring more such women with whom we can relate. Bringing financially free women especially gives us boost to girls like me. Relatibility factor is immense.

[@onepercentclub12]

We are happy to help. Stay tuned! We have lot of new things coming your way!

[@RealRock9460]

Suppose the husband earns a package of 5 crores per annum being senior partner in KPMG, PWC, Delloite and E and Y.

[@dr.sibasishdutta641]

Real life situation... No bakwass

[@RealRock9460]

@@dr.sibasishdutta641 they are very rich people. Middle class cannot compete with them

[@Vinithajee]

Me too, I always search for success stories of women in Sharan's channel

[@ammathikiran9666]

Good insights and financial journey...however host keeps interrupting even before the answer starts...lots of broken threads..can allow the guest to elaborate and keep continuing

[@rohitmadashri7250]

Thank you for the video Sharan. Couple of suggestions: 1. The camera seems tilted, making you look like a giant. So be mindful of seating positions. 2. Please let her speak and finish her thoughts, otherwise it feels like a cut and dry choppy interrogation rather than a conversation.

[@jatinmalik9370]

Bring guests who are comfortable sharing their numbers ONLY

[@sunilnair265]

True

[@SivaEpic]

No use. Suggestion 2 given multiple times but no improvement. He is pretty poor in interview guests.

[@NoName-bb2pu]

She does seem like a very short person, because Sharan himself is like 5'6 odd

[@CinnamonStickk]

These are the kind of stories we need. Kudos to you Sharan. More of these please.

[@ashwathbhide6442]

Main thing is you should have a high paying job.. everything else is easy 😂❤

[@balajisrinivas1554]

Very true that's step 1 😂

[@pavanyuva011]

That’s not true . Many people are having high paying jobs but don’t know where to invest . That’s even my problem

[@chetanmk5580]

This is true.

[@lakshnaramesh9733]

​@@pavanyuva011 Look, everything has few exceptions, likewise they don't know where to invest is not that big deal to change that can result in financially great life If they don't know they can simply invest in Nifty 50 which delivers 12.5% + 1.50% (Div) = 14% CAGR over a period of 10 years, hence not knowing where to invest their money is not an excuse or proper exception

[@kandarpghag2360]

More than a high paying job I'm wondering how has she been able to get a minimum hike of 30% and going up to doubling her salary every 2 years after the Infy Tech job 👌👌

[@narenreddy5647]

Her real estate property is giving 3-4% rental yeiled but asset is also growing at 7-8% ..which makes her net returns 11-12% + sense of pride and respect is intangible for a beginner like her.

[@AkshayKumar-gp7lk]

Sheer respect to her…she is an inspiration. Not just for her struggle financially but for the ideals and grit she stands for.

[@maheshdewani547]

धीरे धीरे रे मना धीरे सब कुछ होय माली सीचे सौ घड़ा रुत आए फल होय। ❤

[@desiTravelerOfficial]

This is a beautiful episode..... The happiness she still feels talking about the holiday she took after her first big deal :)

[@samcreedy44]

16:00 Theeeee most important thing to learn as parent. Absolutely a gem statement.

[@kandarpghag2360]

I think the way tells her kids about money and the concept of money is great. It's an education that we don't get in schools, the investment and appreciation or depreciation of an asset which we actually own. As opposed to learning in Accounting class. 👍👍

[@mr.maniket8959]

She is 50 yrs old.. and she started her work at 19

[@chiluxr250]

This is truly heart warming story. A genuine lady for sure. Respect her totally.

[@getkgp]

Hats off madam. Great journey you had and achieved financial freedom.

[@shejwalkarhemant3110]

It's an inspirational story of Malathi. Salute her tenacity and positive mindset. Wish more success to her. 💐💐💐

[@shilpamurthy8105]

One big suggestion to the host - please dont interrupt while your guest is speaking! First its outright rude and they break the flow! And its an irritant to your viewers too!

[@rajg8546]

He does that to prove that he is financially literate than the guest

[@alodipadebnath2704]

Ya so irritating n his face also

[@FifthArima]

listening to her speak was so soothing. She has come a long way, huge respect to this lady. Also shout to everyone who have braved and stood the tough times in life. Always remember , Tough Times dont last Tough People do !

[@cherusseril5106]

Incredible journey of a resourceful woman, who has taken on limitless responsibilities in her life. Kudos to Sharan for bringing such people to this platform and inspiring many. One small doubt. Is she a single parent?? No reference to her man in the entire episode. In that case, she is an extraordinary woman who can shoulder even higher responsibilities in future 🎉🎉🎉

[@debchak27]

12:00 gives me chills ... that process / thought of losing life catches up ..

[@cherylhills3227]

Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning

[@TheDuke792]

I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.

[@JoshuaEdson22]

My brother has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen

[@RobertDamanii]

Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer

[@JoshuaEdson22]

Sure.. ERIC PAUL ELMAR has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so he helps me make the safest investments and also helps me hedge all my investments against possible future downturns

[@RoseBalerus]

Ok… I’ve been able to do some research on the Web and I found his site, he has his license so that’s reassuring

[@ullasshivakumar]

I am from Tumkur, I agree land prices are skyrocketing around Tumkur but can’t believe 25L becoming 1.5CR in 3yrs. I can say max it has doubled in 3yrs for a agricultural land considering lower prices post covid

[@sandeepkhokher]

I believe, in her mind, she is telling the registration price as acquisition cost.

[@ullasshivakumar]

@@sandeepkhokher possible 😂

[@reakulapallysuresh7163]

Possibly iam reading her mind

[@smartbinit2]

Strong and determined women. God bless her 😇🙏

[@nitindesai268]

very good discussion...Sharan really looks for answers when he interviews. well done

[@mokshmahajan6340]

Very inspiring and strong lady 🙏🏼

[@uncommonprofit7433]

Great journey from - negative networth & difficulties during youth to 5 cr .

[@sumantachakraborty172]

GOD bless her with all the happiness in the world. She’s responsible and a true brave heart. Seen so much in life but still have great conviction. Kudos to her.

[@celesty42]

In 2010 she was earning about 1 lakh per month means in 2024 it is around 2.23 lakh i guess 🙊🙊 She must be very talented and hardworking 🙏🙏

[@jayasreedevineni1679]

Thank you Sharan for making such useful video. Saw for the first time this kind of much needed video. Many would learn a lot. Shall wait for more inspiring videos from you

[@arjunbs86]

Incredible to hear your story. We hear about the multiple crores that people make, but we rarely stop to think about what they gave up or went through to get there.

[@siddharth0401]

After hearing her story, the real success i feel was for infosys to make someone work for 18 hrs paying a salary of 10 lakh and keeping the face of integrity, high morale standards and middle-class values intact and motivate other like minded middle class to respect the company and spend majority of their personal time in building this great company so that the company can pay a small token of dividend to show their affection for the grand children in bangalore or london and yet not able to see your own children grow, this is the real success story my friends, more power to the middle class values, mutual fund sahi hai

[@nK-ph6zv]

Nahi be. Without IT companies like infosys, wipro, TCS, our country would’ve never become a technology hub it is now. Middle class would’ve had to grow crops or host tourists to survive. India is a developing country because of the services sector out of which the main contributor is IT.

[@siddharth0401]

@@nK-ph6zv You are so guillble, docile and innocent, you are the ones they like to in doctrinate with news articles, motivating talks and interviews, India has survived centuries and would hv done well irrespective, and btw why did these companies could never migrate from labour arbitrage models to being innovators in last 40 years, what prevented them from becoming a nvidia or Google was that they couldn't think beyond billing clients by hours and taking up shitty work, sure it brought some low level of employment but imagine what they could hv done but failed to do with their size and the longevity, anyway they fooled a whole generation of Indians with their sweet talk, so called frugal mindset of not paying on par and then horde money, great middle class values

[@rohitjoseph3868]

What a journey. There’s no such thing as quick money. She worked hard and waited for her time to come, patiently. She made some mistakes along the way- but made those decisions only for the best of her family. I did notice something though, no mention of her spouse. But that is besides the point. Kudos to her. You don’t always have to make a fortune, making a living is just as fine.

[@mesharath]

The numbers dont add up. What ever she says her income and expenditure was, they dont seem to add up. Her high paying Job now will ensure that she can now achieve financial freedom. The journey is just starting

[@arjunps6776]

Highly illiquid net worth. Real estate investors throw around big numbers which you cannot check as there's no centralized market or regulation. RE investors never talk about CAGR too. They talk only in absolute terms. I appreciate her journey of having started with nothing and now having some assets but allocation of those assets is still stuck in the 90s.

[@magdub33]

Real estate worth is not a factor to retire or feel comfortable. Her income of 40k only to be accounted.

[@chetanshukla768]

Also it takes a lot of network and connections to invest so heavily in real estate. So many people fall prey to scams and frauds even with the renowned builders. This interview seems to be exaggerated.

[@zenneosen1]

Her Husband would have shared household expense with her. If not it's difficult to save the money which she did, could have probed how much was the percentage of money she saved from her Salary. Other than that, it's a good interview which gave insight into how people hustle their way in India despite govt taking almost 3-4 months of your salary every year in the name of tax once you cross 10 LPA.

[@Happysoul_3]

Kudos to the lady who started from scratch its a great achievement🎉 my god she worked more than 15hrs its too tough😢 This tells how terrible decision is for people who think of living in rented apartment till 60. Buying a home around your retirement is an expensive bet.

[@ahmedgaziyani]

Mam You have a angel heart.. you will surely prosper.

[@saviocorrea6159]

Takes guts to tell the world, hats off to simplicity

[@purvaansh]

Please stop interrupting. Let the guest complete their sentence and tell their story.

[@shanthiravula2657]

A lot to pick from her journey Invest in yourself ( learning) only by increasing your Income you can achieve financial freedom By the way she presented herself we can say she didn't increase her spending habits as the income grows. The best thing is she is transparent about finances to children .teaching kids about thier financial situation and also educating them in a right way is the best thing you give fir thier future .

[@krishnanvenkatesh487]

5 crore net worth with real estate is not big deal nowadays and more than 1% of population will have more than this

[@nakulm964]

If you start from Zero, its an amazing accomplishment

[@samcreedy44]

easy to talk when one is born with a golden spoon in their mouth.

[@gaurav66772]

How much is your net worth in that case ??

[@Cooperisbooed]

My granny came to Bangalore with 5rs. At 18, she had 2 daughters and lost her husband. She worked at people houses, studied 10th, then got a job in a nationalised bank. She bought a house at 75k in Rajajinagar worth around 2.5cr today and 60*40 site at 1lakh in 1992 around 2.5cr. Invested in ipos worth around 1cr today. She gets pension of around 40k a month. So overall worth around 6cr at age 90. Starting at 5rs. She retired at 10k a month salary, paying 100rs interest in an emi of 500. Literally works to be 20% interest rate. I understand what you are saying

[@vicky2rap]

Typing here is easier than done .

[@prabhudattarapelli3954]

Main thing in this video She changed company quite often that is the reason she got that much salary at the end and she is investing her money wisely in real estate then selling when time comes that also a great decision so far it is excellent meanwhile building a house for parents.it is also great

[@vadivelupandian7488]

Not mere an interview. She could reach bottom to high in a humble background. No male member behind her. The way in which investment is being made is not appealing. But other respect, it is highly emotional and inspiring.

[@ashokpillai3015]

Women power..journey of persistence, hardwork and empathy

[@yuviiiiiiiiiiiiiiiii]

If only there was a software that can help me skip interrogative questions and just listen to her talking.😮

[@satishchandraks7492]

Best conversation for youngsters to analyse their future according to their current status, outside world whats going, what to choose what not to, eye opening.. bt by small corrections she can do more possible opportunity in investment choices which she may awaken later stage i too hope.. Any how dare one to go n get, khuddhos u both sharan n ma'am. 💕🎉👍🌿🌹

[@ViviDhairya]

Finally human like us more relatable awesome content 💃👍

[@ducklinasmart6822]

What a winner.❤

[@ashwiniprabhu735]

Salute to the lady ❤ Such simplicity 😊

[@pavanjoshi1]

Kudos to mam. Thanks Man.

[@divyadj6092]

Very insightful Malathi!!

[@abhijitsahu7846]

A great thanks for bringing this video on your podcast.Really nice inspiring video....

[@swaynecruz]

Hats off to her, she is a amazing

[@onepercentclub12]

She is indeed!

[@sudhanayak1293]

Hi sharan I am a housewife I have investment in equity and get a passive income that of a software engineer. I am investing since 1990 . I enjoy life and keep investing in equity and no fixed deposit. No trading only buy and hold stocks . This is not having any real estate

[@jayeshpanicker1400]

Your on the right track invest more on mutual funds ex nifty 50 direct growth

[@CinnamonStickk]

Wow

[@bhavya7469]

How to do that more details pls

[@mayanknafde2423]

What a journey! insipiring! Hats off ! :)

[@thelatestobssesion]

This is a great insight into to real estate and what it means for us youngsters going forward.

[@DpakSharmaNoida]

Respect to this Lady

[@akashsharma1134]

Such a great soul this woman is ❤

[@bindudinesh2948]

Amazing inspirational vlog Sharan . Please do post more and more such vlogs love them ❤

[@bitwamet]

Keep up the good work Sharan keep bringing these videos

[@dayanwarsi616]

mad respect for the lady!

[@GetYourselfALife]

Wait, give me a break. How on earth retiring with 1 Lakh in early 90s from a job in HMT is considered to be starting life from minus 2. You may not have been filthy rich, but you were rich. You had that privilege. Acknowledge that for god sake.

[@maheshmoharir9314]

Agree. Stopped watching this shit from this point.

[@TheCuriousCurator-Hindi]

Yup. 1 lac is a lot. You get a nice house in 1 lac in 1990.

[@karth12399]

Agree

[@preetheshdsouza]

Having a background in music & sound, the mic placement seems to be slightly off, hence, the mics can't pick up the full bodyof the speaker'svoice. These aren't podcast mics to be facing the top side to the speaker.

[@harishbbbb]

Sharon stop interrupting and be a good listener and let them complete their point.

[@nagangks7486]

Excellent Growth🎉

[@ManoranjanP2023]

My question to society is: After achieving significant financial success, how do individuals contribute to society and the environment? If they do not make such contributions, what then is the true purpose of an individual's life?

[@Particamuwowo]

Everyone is screaming market crash and it's getting me worried. How can I protect my investment portfolio of around 800K. I don't want to get burnt out.

[@JasonB.Chisolm]

You should better diversify your portfolio to defensive assets. If you don’t have good experience you should consult with an expert

[@Andreavince-v]

Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in ROI

[@KarenJ.Mancia]

Pls how can I reach this expert, I need someone to help me manage my portfolio

[@Andreavince-v]

Stacy Lynn Staples is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@heatherj-o5j]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@seekertruth72]

she is hard working and learned from set backs. Being in Banglore her hard work paid off. Made a right decisions of changing jobs at right time. Good learning

[@madan314]

Thanks Sharan for such a diversified mix of content you plan to bring to us! HR mam good luck with your plans and thanks for your time to come openly and speak up!

[@tamilosaitamil4132]

Unbelievable. Inspiring Man😮

[@mdpandey9629]

Good last words I liked also ❤❤❤

[@deepah7020]

Awesome episode

[@onepercentclub12]

Glad that you like it! 🙌 More such episodes coming every week! Stay tuned!

[@GKFreshDates]

Wise woman Malathi ji. I worked with her in Infosys and Xerox.

[@deepakrautela9594]

Her communication is good

[@RandomHindu]

Amazing Journey Job change is the key ❤

[@LunaBose]

Nice initiative. Inspiring .

[@neeladamodaran761]

Great sis, great going

[@crownkunal]

She made some good decisions on the way. Plz share more independent women stories

[@DrKallalPramanik]

Very inspiring!

[@financialthoughts3680]

Very simple. Earn more money rather go behind trading. Investing more money in 8% grow the money is more. Dont go behind investing and trading

[@nandach2853]

They were a group of young girls with responsibilities in their teenage. Almost all of them have come up the hard way. Please do not make snide remarks. This was one chirpy chirpy girl who has made it big. Not everyone can do.

[@prabhu2323]

80-90% of the time ... people who started their career around 1990-2000 are only falling under 1% club .... It will be more more interesting if we can see persons who started their career after 2008 recession...

[@onepercentclub12]

All we have to say is, Stay Tuned!

[@prabhu2323]

@@onepercentclub12 Thank You Sharan !!

[@CBPACHIVERS]

Very interesting and connecting story Please bring up similar story as many are in IT industry

[@mysticz5478]

Loved the video

[@shubhamgrg04]

Hats off to her!

[@joyoflearning2124]

hum 8 saal se sirf 25k to 60 k Gaye hai job me. isko itna hike kaise Mila. sab kismat ka khel hai.

[@subhiksharao]

Very insightful video! Hoping to see more interviews of her and gain more knowledge :)

[@onepercentclub12]

Glad you enjoyed it!

[@ashvinn15]

Kudos to ma’am 👏🏽, always appreciate self made ppl , you can go higher than this

[@highnitin]

loved it ♥

[@archanakj8664]

She started early... Time is everything...

[@Inspector1987]

Avdhut Sathe ads are more like opening ceremony of CWG or Olympics Game.

[@vkay121]

great content Sharan.. as an audio engineer i got to let you know that the mic is pointing all wrong but it worked out ok in the end.. but have the setup guy learn about microphone placement pls ;)

[@vigmanu1]

We keep talking a lot about F.I.R.E, what I am planning to do is to build few houses which would fetch me a rent of 70000 per month (my expense is 30 to 50k per month today) and once I do this (estimating 3Cr to do this), can I count myself as financially independent? My expenses are taken care and the rent wil increase in line with inflation. Assuming I don’t run out of tenants 😅

[@ariestourstravels5053]

Where is your 3 Cr coming from?

[@vigmanu1]

@@ariestourstravels5053 I have been working for 13 years now (of which 7 years was at onsite) and on an average I save 80% of my income. so my target is to have 2.4 cr by June 2025. Trust me to best part is, I am working on a plan to build the house and have 3Cr in hand by jan 2029, if I succeed il feature in 1% club episode

[@vigmanu1]

@@ariestourstravels5053 I have overal 13 years of work experience (of which 7 years, I was at onsite) and I save atleast 80% of my income annually so my target is to have 2.4 cr by June 2025. Trust me, but the best part is, I am currently working on a plan to build the house and have 3cr in hand by Jan 2029. If this happens then hopefully il feature in 1% club episode 😊

[@karthikk7650]

Fixed deposits can give more than 2L per month, after your expenses remaining amount you can redeposit. Very safe method and no financial knowledge required.

[@TheCuriousCurator-Hindi]

​@@karthikk7650value of money goes down with time.

[@ravirajsudha8228]

Very inspiring life journey. In the sale of real estate at various points in time, how did she manage the capital gains tax angle.? It must have taken a lot of planning to match sale of real estate at the right price and buying the right real estate within the specified time limit. Kudos to her.

[@GodKnowsWhoAmI]

Is this just me or did anyone else feel the person was speaking too harshly, interrupting at every statement.

[@MrDumdon]

Doctors after studying 15 years getting 20 lakh per year package crying in corner.

[@TheCuriousCurator-Hindi]

That's okay. You have to respect the year when she started. A doctor with 25 years of experience will make more. Also not all professions are equally lucrative.