MONEY PSYCHOLOGY

© 2025 Hardik sharma . All rights reserved.

This eBook is the intellectual property of the author. No part of

it may be copied, shared, or reproduced in any form without
written permission.

This content was developed and curated by the author.

 CONTENTS

Introduction 3

Chapter 1: Psychology of money 7

Chapter 2: The 1 Crore Mindset 13

Chapter 3: Choosing Your Path to ₹1 Cr 18

Chapter 4: Learn Fast, Earn Faster 27

Chapter 5: Freelancing – The First ₹5 Lakh 34

Chapter 6: Build a Profitable Online Business 42

Chapter 7: Marketing that Makes You Money 49

Chapter 8: Scaling to 1 Cr 66

Chapter 9: The 365-Day Plan — Monthly Blueprint 72

Chapter 10: Mistakes That Kill Growth 79

Chapter 11: Real Stories & Case Studies 86

Conclusion: Your Turn to Earn 95

 Introduction

Why ₹1 Crore Is Achievable in Today’s

Digital Age

Let’s be honest — a few years ago, the idea of earning ₹1 crore

in a year felt like a fantasy for most people. It was something
only CEOs, celebrities, or people with huge investments could
dream of.
But times have changed.
With the rise of the internet, digital tools, and global access to
markets, earning ₹1 crore is no longer reserved for a lucky few
— it’s available to anyone willing to learn, apply, and stay
consistent.

Right now, people from small towns in India are freelancing

for clients in the U.S., creating digital products that sell while

3
they sleep, running online stores from their phones, and
monetizing skills they learned for free on YouTube.

This book is built on one powerful idea:

👉 If you follow the right plan and take daily action, ₹1 crore in
365 days is a realistic goal — even if you’re starting with zero.

Who This Book Is For

This book is for you if:

●​ You’re between 17 and 30 and want to build a better
financial future​

●​ You’re tired of traditional career advice and want

new-age earning methods​

●​ You want to work for yourself — not for a boss — and

build something of your own​

●​ You’re ready to take action, not just read and dream​

4
Whether you’re a student, job-seeker, side hustler, or just
curious — if you’re open to learning online skills and applying
them step by step, this book is your roadmap.
You don’t need a degree.
You don’t need lakhs to invest.
You just need a phone, internet, and the willingness to work
smart every day.

What to Expect from This Guide

This is not theory. This is execution.
You’ll find:
●​ Clear breakdowns of freelancing, online businesses,
and digital side hustles​

●​ Step-by-step actions to follow every month​

●​ Real tools, platforms, and examples that work in the

Indian market​

●​ How to build multiple income streams and scale them

to 6 or 7 figures​

5
 ●​ Mindset tips to stay focused, beat fear, and avoid
common mistakes​

●​ A 12-month action plan to guide you toward your ₹1

crore goal​

This isn’t a get-rich-quick scheme. It’s a

get-consistent-and-grow-fast approach.
It rewards those who take action, learn quickly, and show up
every single day.

Ready to Begin?
If you’re serious about changing your life in the next 365 days,
this book is your starting line.
Read it with intention. Apply what you learn. Track your
results.
And most importantly — believe that it’s possible.
Because it is.
And now it’s your turn.
Let’s begin the journey to 1 Cr in 365 Days 🚀

6
 Chapter 1: Money Psychology

If money was only about logic, calculators would be the

richest thing on Earth. But money is deeply emotional. It’s not
just about numbers — it’s about how we think, feel, and
behave around money.

Let’s dive into the psychology of money so that your path to ₹1

Cr isn’t just tactical — it’s also mental.

Let’s start with point number one from The Psychology of

Money — Financial DNA. One of the key ideas discussed is that
our financial decisions are deeply rooted in our financial DNA.
This means the way we handle money is shaped by our
upbringing, environment, and personal experiences, much like
how our physical DNA defines our appearance. Often, we
judge others without understanding their background —
someone wearing expensive branded clothes might be labeled
as wasteful, while a conservative spender might be called a

7
miser. But in truth, every financial choice we make is a
reflection of our personal history. For example, someone who
has seen financial scarcity may prioritize savings, while
someone born into wealth may not hesitate to buy the latest
gadgets. This is influenced by a concept in behavioral finance
called “recency bias” — our past experiences
disproportionately affect our future decisions. If you’ve ever
lost money in the stock market, that fear might prevent you
from investing again, no matter how promising the
opportunity. Personally, I’ve grown up watching my parents
emphasize saving and avoiding unnecessary spending. So
while my college friends showed off expensive bikes, I
questioned whether I truly needed the same — or if I was just
trying to keep up with them. Recognizing such a turning point
can help you make more conscious money decisions. So ask
yourself: What was the turning point in your financial
thinking? Why do you want to earn money? Reflect on it.

This brings us to point number two — Compounding is the

King. Compounding isn’t just a financial term; it’s the most
powerful tool in building wealth. Warren Buffett didn’t
become a billionaire overnight. In fact, for the first 60 years of
his life, he built only a fraction of his current wealth. The real
magic happened in the next 30 years due to compounding.

8
The problem is, most of us lack patience. We plant the tree,
but cut it before it bears fruit. The secret to successful
investing is starting early and staying invested for the long
term. Even if you’re just 15 or 20 years old, time is your
greatest asset. Start small — even ₹500 a month — and let it
grow. Take Bitcoin as an example: when it launched, it was
priced at just ₹0.003, and today it’s worth lakhs. Ethereum
followed a similar path. If someone had invested ₹1 lakh back
then, they’d be a millionaire today. Many thought crypto was
just a bubble, but early investors made life-changing gains.
The crypto market is booming again, especially due to the U.S.
elections. If you’re thinking of investing, CoinSwitch — India’s
largest crypto exchange — offers a secure platform with low
fees, up to 25x leverage, and features like Smart Invest. For
beginners, there’s a 100% fee rebate for the first 15 days, and
for the first 30 days, zero trading fees with 1% cashback. They
even maintain proof of reserves for transparency. Over 2
crore users trust CoinSwitch, so if you’re ready, this could be
your chance to start.

Point number three is Peace and Money. We often fear losing

money more than we enjoy gaining it — this is called
negativity bias. It makes us panic during market dips and sell
our stocks too early. Remember the 2008 crisis? Many sold

9
their investments in fear, only to regret it later when the
market recovered. Fear can prevent you from making wise
decisions. So the next time you feel anxious, ask yourself: Am I
making this decision based on facts or just emotions? It’s a
simple but powerful question that can help you avoid
impulsive financial choices.

Moving to point number four — Two Forgotten Elements:

Patience and adaptability. Everyone chases returns and
trends, but what truly separates great investors from the
average ones are these two traits. Peter Lynch, a legendary
investor, emphasized staying invested and ignoring the noise.
Take Tesla — a company mocked in its early days. Those who
held on to their Tesla stocks despite market crashes reaped
huge rewards. Most people react too quickly and sacrifice
long-term gains for short-term emotions. So, honestly rate
your patience level on a scale of 1 to 10. Patience is a common
trait among the world’s top 1% — the people who actually
shape the global economy.

Point number five is The Key to Happiness is Enough. How

much money is enough? It’s a question many can’t answer.
This confusion is due to the “hedonic treadmill” — the
psychological phenomenon where we keep raising our goals

10
after every achievement. After earning ₹1 lakh, we aim for ₹10
lakhs, then ₹1 crore, and the cycle continues. Morgan Housel,
the author of The Psychology of Money, says true happiness
comes not from unlimited wealth, but from contentment. A
middle-class family that meets its basic needs and saves a bit
can feel more fulfilled than a high earner constantly chasing
more. So, define what “enough” means for you. Set clear,
realistic goals for your money and life.

Lastly, let’s talk about Tail Events — the most underestimated

concept in finance. Tail events are rare but impactful
occurrences that drastically change the game, like the rise of
AI or the explosion of Amazon after the dot-com bubble burst.
Jeff Bezos simply wanted to start an online bookstore, and it
turned into one of the world’s largest companies. Electric
vehicles, once ignored, are now booming. These rare
moments shape the future in massive ways. Think about a
recent tail event — can you identify one? Recognizing such
events can help you spot the next big opportunity.

To conclude, people often chase material symbols of wealth —

luxury cars, branded clothes, fancy vacations — but true
wealth is about having control over your time and choices.

11
When you don’t have to stress over money, when your time is
your own, that is real financial freedom.

12
 Chapter 2: The 1 Crore Mindset

Breaking the Mental Barrier of ₹1 Crore

For most people, earning ₹1 crore feels impossible.

Why?

Because they’ve been conditioned to think small:

●​ “Stick to a safe job.”​

●​ “Don’t aim too high.”​

●​ “₹1 lakh per month is already great.”​

Here’s the truth: you’ll never earn more than you believe you
can.

If ₹1 crore sounds too big, your actions will stay small.

You’ll procrastinate, doubt yourself, and never fully commit.

The first step?

Change your thinking from “Can I do it?” to “How can I do it?”

13
You don’t need to know everything right now.

You just need to start believing it’s possible for you, too.

Daily Habits of People Who Earn Big

People who earn big don’t just work hard — they work smart
and consistently.

Here are a few habits they follow religiously:

1.​ They plan their day the night before.​

​
No waking up clueless. They know what to execute
each day.​

2.​ They learn at least 30 mins daily.​

​
Read, watch, or listen to something that builds their
skills or mindset.​

3.​ They protect their time.​

​
No endless scrolling. No distractions. Time = money.​

4.​ They take action daily — even when it’s boring.​

​
Success isn’t exciting every day. It’s about repetition

14
 and momentum.​

5.​ They think long-term.​

​
₹1 crore doesn’t come in one lucky month. It comes
from months of smart effort.​

These are small habits — but stacked daily, they create

massive results.

The Power of Consistency and Digital

Leverage
Let’s break something down:

Earning ₹1 crore in 1 year = approx.

●​ ₹2.74 lakhs per day​

●​ ₹8.33 lakhs per month​

●​ ₹1.9 lakhs per week​

At first glance, it looks intimidating.

But here’s where digital leverage comes in.

15
What is Digital Leverage?
It’s when your effort works for you, even when you’re not
working.

Examples:

●​ You create an online course once — and sell it

hundreds of times.​

●​ You write one blog or Instagram post — and it brings

clients every week.​

●​ You build a digital product — and automate the sales

process.​

Combined with consistency, digital leverage helps you scale

FAST — without burning out.

Your goal in this book will be to build multiple streams of

digital income (freelancing, business, products) that stack up
toward that ₹1 crore goal.

Action Checklist: Build Your 1 Cr

Mindset
Before moving to the next chapter, do this:

16
 1.​ Write down: “I will earn ₹1 crore in the next 365 days.”
Stick it on your wall.​

2.​ Unfollow 5 distractions (pages, people, or apps wasting

your time).​

3.​ Pick 1 high-income skill to research (copywriting,

design, marketing, etc.).​

4.​ Plan the next 7 days of action. Keep it simple: 1

task/day.​

5.​ Start each day by asking: “What will move me closer to

₹1 crore today?”​

The only limit between you and that ₹1 crore?

Your mindset.

Now that you’ve unlocked the right mental game, it’s time to
choose your path to ₹1 crore.

17
Chapter 3: Choosing Your Path
to ₹1 Crore

Why Choosing the Right Path Matters

One of the biggest reasons people fail to reach big goals like ₹1
crore is this:

They try to do everything — and end up mastering nothing.

You don’t need 10 income sources to get rich. You need one
solid income stream that works, and later you can stack
others on top.

In this chapter, we’ll help you:

●​ Identify the top digital income paths​

●​ Choose the one that fits your skills and situation best​

●​ Create a simple game plan for your chosen path​

Let’s break it down.

18
The 3 Core Paths to 1 Cr
1. Freelancing

You offer services to clients (locally or globally) and get paid

per project or monthly.

Skills Needed:

Writing, graphic design, video editing, marketing, web

development, virtual assistance, etc.

Best Platforms:

Fiverr, Upwork, Freelancer, LinkedIn, Cold emailing

Income Potential:

●​ Beginner: ₹20K–₹60K/month​

●​ Skilled: ₹1L–₹3L/month​

●​ Pro: ₹5L+/month​

Good For:

People who like working with clients, are willing to learn fast,
and want quick income.

19
2. Online Business / Digital Products

You sell something online — either your own product, a

service, or someone else’s (affiliate marketing).

Types:

E-commerce (e.g. print-on-demand, dropshipping), digital

products (eBooks, courses, templates), coaching/consulting,
affiliate marketing.

Skills Needed:

Basic marketing, sales, content creation, or product research

Best Platforms:

Shopify, Gumroad, Amazon KDP, Instagram, YouTube,

WhatsApp Business

Income Potential:

●​ Beginner: ₹0–₹50K/month (takes time to build)​

●​ Growing: ₹1L–₹5L/month​

●​ Scaled: ₹10L+/month (with good systems and traffic)​

Good For:

Creative thinkers, risk-takers, or anyone wanting passive

income long-term.

20
3. Content + Personal Brand

You grow a presence online (on YouTube, Instagram, X, or

LinkedIn), and monetize via brand deals, affiliate links, digital
products, or services.

Skills Needed:

Content creation, storytelling, niche selection, basic editing,

patience

Monetization Options:

Brand partnerships, AdSense, product launches, affiliate

marketing

Income Potential:

●​ Early: ₹0–₹10K/month​

●​ Mid: ₹50K–₹2L/month​

●​ Established: ₹5L–₹10L+/month​

Good For:

Those who enjoy being in front of a camera, storytelling, or

building a loyal audience.

21
Which Path Should You Pick?
Ask yourself:

1.​ Do I want fast income (1–3 months)? → Start with

freelancing​

2.​ Do I want to build long-term, passive income? → Go

for online business​

3.​ Do I enjoy creating content and showing up online?

→ Choose personal brand​

🔑 You don’t have to get it perfect. You just have to get it

going.

Most people start with freelancing to earn fast, then reinvest

into a product or brand.

22
Your Starter Plan (Choose ONE)

Path Starter Goal Monthly ₹ Target

(3–6 Months)

Freelancing Learn 1 service, ₹1L–₹3L

get 3 clients

Online Business Launch 1 digital ₹50K–₹2L

product/service

Content Brand Create 30–60 ₹0–₹2L

pieces of content

Start with one, build traction, then scale up with the others over
time.

23
Skill vs Passion vs Market Demand
Now that you’ve seen your options, it’s time to find the sweet
spot where success happens.

Let’s look at this triangle:

🔺 The Success Triangle

Factor Description Example

Skill What you’re Design, editing,

already good at or writing, coding,
can learn fast speaking

Passion What you enjoy Teaching, art,

doing so much, gaming, helping
you’d do it for free people

Market Demand What people are Logo design,

actually paying for Instagram
right now management,
YouTube scripts

24
 ~ The magic happens when you choose something that checks all
3 boxes.

How to Use This:

●​ Make a list of your skills (even basic ones).​

●​ Circle the ones you actually enjoy.​

●​ Google or use YouTube to check if people are making

money from them.​

Here’s a quick example:

Skill Passion ✅ Market

Demand ✅ Good
Option?

Writing ✅ ✅ ✅

Drawing ✅ ❌ (not in
current form)
❌

25
 Gaming ✅ ✅ (if done
via YouTube
✅
or streaming)

Data entry ❌ ✅ ❌ (won’t

sustain you)

Pick one that makes you excited and has real earning
potential.That’s your launchpad to ₹1 crore.

What’s Next?
Now that you’ve chosen your path and filtered it through the
Skill–Passion–Market lens, you’re ready to start building your
momentum.

26
 Chapter 4: Learn Fast, Earn
Faster

“In today’s world, speed is currency. The faster you learn, the
faster you earn.”

So, you’ve picked a path — maybe it’s freelancing, starting a

digital business, or building a personal brand. Now the
question is:

How do you go from zero to client-ready in 30–60 days?

This chapter gives you the tools, resources, and mindset to

master a high-income skill — without a college degree or
expensive course.

High-Income Skills You Can Learn in

30–60 Days
You don’t need years of experience to start earning. You just
need to learn one valuable skill, practice daily, and build
proof (samples or results).

Here are a few proven high-income skills you can learn fast:

27
 Skill Monthly Income Demand Level
Potential (After
2–3 Months)

Copywriting ₹50K – ₹3L+ ⭐⭐⭐⭐⭐

Graphic Design ₹30K – ₹1.5L+ ⭐⭐⭐⭐

Social Media
Management
₹40K – ₹2L+ ⭐⭐⭐⭐⭐

Website Design
(No-code)
₹50K – ₹3L+ ⭐⭐⭐

Sales Funnels ₹60K – ₹3L+ ⭐⭐⭐

SEO / YouTube
Optimization
₹30K – ₹1.5L+ ⭐⭐⭐⭐

28
 Virtual Assistance ₹20K – ₹70K ⭐⭐⭐

Video Editing ₹30K – ₹2L+ ⭐⭐⭐⭐

Pick one skill that matches your interest and start your
learning sprint.

📚 Free & Paid Learning Resources

YouTube (Free)

Copywriting: “Dan Lok,” “Alex Cattoni,” “Write with Aakash”​

Video Editing: “Justin Brown - Primal Video,” “Think Media,”

“Yadnyesh Joshi” (Hindi)​

Graphic Design: “Pixel & Bracket,” “GFXMentor”​

Social Media Marketing: “Neil Patel,” “Social Media Examiner,”

“Marketing Harry” (Instagram growth)​

Pro tip: Type “Free course + [skill]” in YouTube search and

filter by most-viewed.

29
 Paid Platforms (If you have a small
budget)
●​ Skillshare – Creative skills like design, writing, editing​

●​ Udemy – Lifetime access, very affordable (₹400–₹800

per course)​

●​ Coursera / Google Digital Garage – Marketing,

branding, business​

Investing ₹500–₹1,000 in a course can cut your learning curve

by 3–6 months. If you can afford it, go for it.

Practice & Create Your First Samples

Learning without applying = wasted time.

The real game begins when you start creating samples.

Here’s how to do it:

Skill First Sample Ideas

Copywriting Write an ad, email, or landing

page for a mock product

30
 Video Editing Edit a 30-sec reel or YouTube
intro using stock footage

Social Media Mgmt Create a 7-day Instagram plan

for a brand (real or fake)

Graphic Design Make 3–5 social media posts

or logos for fake clients

Website Design Build a landing page on

Carrd.co or Wix

Tip: Post your work on LinkedIn or Instagram to attract

attention.

Becoming Client-Ready (Even as a

Beginner)
You don’t need 10 clients. You just need 1 client to start.

To look client-ready:

31
 1.​ Create a 1-page portfolio (Notion, Canva, or Google
Drive)​

2.​ List your services clearly (e.g., “Instagram Reels

Editing – ₹999 per reel”)​

3.​ Write a short bio (What you do, who you help, your
story)​

4.​ Start outreach (DMs, email, Facebook groups, Upwork,

Fiverr)​

5.​ Offer free/low-cost work for 1–2 clients to get

testimonials​

Here’s a starter template for outreach:

“Hi [Name], I’m just starting out in [skill], and I’d love to
create something for you for free (or at a low rate) to build
my portfolio. No catch. If you like it, we can work more.
Interested?”

Keep it real. Keep it simple. Deliver quality.

32
Bonus Tips: The “Skill Stack” Strategy
After 30–60 days, once you’ve learned and applied one skill,
start stacking it with another.

Example skill stacks:

●​ Copywriting + Funnel Design = ₹2L+ per month

potential​

●​ Video Editing + YouTube SEO = More clients, more

retention​

●​ Graphic Design + Social Media = Branding expert​

This makes you more valuable and harder to replace.

Most people consume content. Few apply it.

The goal is not to learn everything.

The goal is to learn → practice → offer → earn → repeat.

33
 Chapter 5: Freelancing – The
First ₹5 Lakh

“You don’t need a job. You need skills + the internet + a laptop.
That’s it.”

Freelancing is one of the fastest ways to go from ₹0 to ₹5

lakhs — even if you’re starting from scratch.

No degree needed. No big investment. Just real skills and

consistent action.

If you follow the steps in this chapter, you’ll be able to:

●​ Land your first few clients (even as a beginner)​

●​ Build a professional presence​

●​ Scale your freelance career to ₹5L/month or more​

Let’s get into it.

34
Step-by-Step: Start Freelancing on
Fiverr, Upwork & More
Step 1: Choose ONE Service to Offer

Avoid being a generalist. Be clear.

Example services:

●​ “Instagram Reel Editor for Coaches”​

●​ “Landing Page Copywriter for Startups”​

●​ “Virtual Assistant for Shopify Store Owners”​

Focus wins. Don’t try to offer 5 different things.

Step 2: Set Up Profiles (Start with ONE Platform)

Here’s how to choose:

Platform Best For

Fiverr Beginners, service-based gigs

35
 Upwork Long-term freelance clients

LinkedIn High-paying B2B clients

Instagram / DMs Personal brand outreach

Tips for setting up:

●​ Use a clear headline like: “Video Editor for YouTube

Shorts | Fast & Reliable”​

●​ Write a friendly, helpful bio (no fake hype)​

●​ Add a profile photo with a clean background​

●​ List 3–4 specific services​

●​ Create gig images/samples using Canva​

How to Build a Solid Portfolio (From

Scratch)

36
 “No clients? No problem. Create your own samples.”

If you’re just starting, you may not have paid work to show —
that’s okay.

Here’s what to do:

1.​ Pick 2–3 imaginary clients in your niche (e.g. coaches,

brands, YouTubers)​

2.​ Create sample work for them (reels, designs, emails,

landing pages, etc.)​

3.​ Package your samples into a simple portfolio using:​

○​ Google Drive folder​

○​ Notion page​

○​ Canva PDF​

Make it feel real — like actual work you’d deliver to a paying

client.

Pricing, Proposals & Your First Client

How to Price as a Beginner

Start low (but not too low) just to get your first 3–5 reviews.

37
 Skill Beginner Price
Suggestion

Instagram Reel Edit ₹300–₹700 per reel

Blog Writing ₹0.50–₹1 per word

Logo Design ₹500–₹1500

Virtual Assistance ₹150–₹400/hour

Raise your rates every time you complete 5–10 good projects.

Writing Proposals That Work

Use this structure (Upwork, Freelancer, or cold DMs):

“Hey [Client Name],

I saw you’re looking for [what they need]. I’ve done similar
work and would love to help.
I can [explain your process briefly].
Here’s a sample of my work: [link]

38
 I can start immediately. Would love to hear more details!”

Keep it short, friendly, and focused on helping them.

How to Land Your First Client

Try these methods:

1.​ Apply daily on Upwork/Freelancer (5–10

proposals/day)​

2.​ DM small creators or brands on Instagram (offer

sample work)​

3.​ Join Facebook groups or LinkedIn communities and

engage​

4.​ Offer 1 free job to 1–2 people for a review​

First client = confidence boost + testimonials + portfolio

upgrade

39
📈 Scaling to ₹5L/Month
Once you get consistent work, follow this scaling plan:

Step Strategy Result

1
Increase price every 5–10 Higher income
clients per project

2
Offer monthly retainers Predictable
income

3
Productize services Faster delivery,
less stress

4
Hire 1–2 freelancers Grow beyond
your own hours

40
 5
Build content on LinkedIn/IG Inbound leads
and brand value

You can hit ₹1L/month in 3–6 months. ₹5L/month is possible

in 9–12 months with team + systems.

Quick Checklist
✅ Pick 1 service to offerA a
✅ Set up profile on Fiverr/Upwork
✅ Build a mini portfolio with samples
✅ Send 5–10 proposals or DMs daily
✅ Deliver 5-star work to every client
✅ Raise rates + hire help as you grow

41
 Chapter 6: Build a Profitable
Online Business

“Don’t just work for money. Build something that works while
you sleep.”

Freelancing is great for quick cash. But if you want to unlock

real wealth and freedom, you need to own a business.

Something that grows with time. Something that doesn’t need

you 24/7.

In this chapter, we’ll explore low-investment, high-return

online businesses you can start today — even with ₹5,000 or
less.

Online Business Ideas That Work (Even

in 2025)
These models are beginner-friendly, low-risk, and perfect for
Indian creators and digital entrepreneurs:

42
1. Dropshipping

Sell trending products without holding inventory.

You create the store → a supplier ships the product → you

earn the profit.

✅ Tools: Shopify + CJ Dropshipping / Meesho / GlowRoad

✅ Example: Selling posture correctors, fitness bands, pet
gadgets, etc.

2. Print-on-Demand (POD)

Design and sell t-shirts, mugs, posters, phone covers —

without ever touching the product.

✅ Platforms: Printrove (India), Blinkstore, Canva + Instamojo

✅ Example: “Engineer Life” T-shirt brand or quote-based
mugs

3. eBooks

Write a short guide, story, or skill-based book (just like this

one!) and sell it on Amazon KDP or Gumroad.

✅ Tools: Canva + Google Docs + KDP / Payhip

✅ Example: “How I Made ₹1L from Freelancing in 60 Days”
4. Online Courses

43
Teach a skill you’ve mastered: video editing, Canva design,
coding, even how to speak English.

✅ Platforms: Learnyst (India), Teachable, Thinkific, YouTube

(for free traffic)

✅ Example: ₹299–₹999 mini-course on “Instagram Reels

Editing”

7 Online Business Ideas Under ₹5,000

Idea Investment Potential Monthly

Needed Profit

Sell digital ₹0–₹2,000 ₹10K–₹50K+

planners on Etsy

Launch a Notion ₹0–₹2,000 ₹10K–₹75K+

template store

Sell ebooks via ₹0–₹1,000 ₹10K–₹2L+

Instagram + KDP

44
 Start freelancing + ₹0–₹3,000 ₹10K–₹1.5L+
upsell templates

Instagram theme ₹2,000–₹4,000 ₹20K–₹1L+

page + shoutouts

Teach via live ₹0–₹1,000 ₹15K–₹75K+

Zoom classes

Start a t-shirt POD ₹2,000–₹4,000 ₹15K–₹1L+

brand

How to Set Up Your First Online

Business (Step-by-Step)
Let’s say you want to sell a digital product like an eBook or
template. Here’s the simple path:

1.​ Pick a problem you can solve​

​
→ “How to Start Freelancing in 30 Days”​
​

45
 → “30 Notion Templates for Creators”​

2.​ Create your product​

​
→ Use Google Docs, Canva, Notion, or Figma​
​
→ Keep it clean, valuable, and beginner-friendly​

3.​ Upload on a platform​

​
→ KDP (for books), Gumroad/Payhip (for digital files),
Etsy (for templates)​

4.​ Promote it organically​

​
→ Instagram Reels, YouTube Shorts, Twitter threads,
WhatsApp stories​

5.​ Collect testimonials + improve​

​
→ Ask first 10 buyers for feedback → improve →
relaunch​

💡 Bonus Tip: Start with one product or niche, and grow from
there. Don’t chase 10 things.

46
Automate and Scale Your Online
Business
Once you’re earning ₹10K–₹20K/month, it’s time to scale.

🔄 Automate with Tools

●​ Email Marketing: MailerLite / ConvertKit​

●​ Payments: Razorpay / Instamojo​

●​ Landing Pages: Systeme.io / Carrd / Canva sites

👥 Hire Help
●​ Get a virtual assistant or Fiverr freelancer to handle
DMs, edits, or designs.​

📊 Track Growth
●​ Check weekly traffic/sales​

●​ See which product, reel, or post brings most revenue​

Action Checklist
✅ Pick one model (POD, eBook, course, etc.)

47
✅ Validate with a small audience or friend group
✅ Create & upload your product/store
✅ Promote using Reels or Shorts
✅ Deliver great customer experience
✅ Track → improve → scale

48
 Chapter 7: Marketing for
Money

“You can build the best product, but if no one sees it — it

won’t sell.”

Many creators and freelancers fail not because they lack

talent…

…but because no one knows they exist.

That’s why this chapter is about Marketing — the bridge

between your skills/products and real income.

You don’t need an MBA. You don’t need ₹50,000 courses.

Just the basics done right can help you get more clients, sell
more products, and grow your personal brand.

Basics of Digital Marketing (Even for Beginners)

49
Think of marketing like this:

1.​ Get attention (traffic)​

2.​ Build trust (content + brand)​

3.​ Make an offer (sell something useful)​

Here’s what works in 2025:

●​ Short-form video (Reels, Shorts, TikToks)​

●​ Email marketing (still king for conversions)​

●​ Free value + consistency​

You don’t need to be everywhere. Pick 1–2 platforms and show

up daily.

Organic vs. Paid Traffic

Traffic to your business can come organically (free) or via
paid ads. Organic traffic is when customers find you by
searching on Google, clicking social posts, or through
referrals . Paid traffic comes from ads you run (Google Ads,
Facebook Ads, etc.) .

50
 ●​ Organic Traffic: You don’t pay per click – instead you
earn visits by creating quality content and using SEO.
This takes time, but it builds lasting value. Users often
trust organic search results more, so good SEO and
content can keep bringing visitors for months or years
once you rank well . It’s ideal for long-term growth: for
example, writing helpful blog posts or YouTube
tutorials can steadily build your audience. If budget is
tight, focus on organic methods first.​

●​ Paid Traffic: You pay for ads on Google, Facebook, or

Instagram. Ads can drive visitors almost instantly,
making them great for quick results like a product
launch or a seasonal sale . Paid ads can also pinpoint
your exact audience (by location, interests, etc.) so you
reach people most likely to buy. However, traffic stops
when you stop paying. Use paid ads when you need
fast visibility – say promoting a new online course or
capturing a holiday shopping surge .​

When to use each: Organic should be your foundation – it

builds authority and brings free traffic over time . Paid ads are
like fuel for short bursts – great for launches, promotions, or

51
when competition is tough . In practice, smart marketers do
both: use paid ads to test ideas and get immediate sales, and
invest in organic SEO/content so your popularity grows
steadily . (BrightEdge research even shows 53% of all website
traffic comes from organic search .)

Tools for each strategy:

●​ SEO/Organic tools: Google Search Console (free),

Google Keyword Planner (free), AnswerThePublic
(free), Ahrefs/Semrush (paid, for deeper insights), and
Canva (free design) for creating graphics and posts.​

●​ Paid Ads tools: Google Ads, Facebook Ads Manager,

LinkedIn Ads, etc. These let you set budgets and target
specific demographics.​

●​ Analytics: Google Analytics and built-in social media

insights help track performance. Together, these tools
form the backbone of a balanced strategy .​

Building a Personal Brand Online

52
People buy from people they like and trust.

Even if you’re shy, you can build a simple personal brand

using:

●​ A clear bio (what problem you solve)​

●​ Content that helps your audience​

●​ A touch of your story (why you started)

Steps to build your brand:

1.​ Find Your Niche: Decide what you specialize in (e.g.

graphic design, coding, social media consulting). Focus
on one area so you become known as an expert.​

2.​ Set Up Profiles: Create or update your social accounts

and website under a consistent name. Use a
professional photo and a concise bio. Be sure to
include keywords (like “freelance photographer” or
“online tutor”) so people searching for your service can
find you.​

3.​ Create Valuable Content: Regularly post about your

work or insights. This could be Instagram posts of your

53
 designs, LinkedIn articles on industry tips, or short
videos (Reels/Shorts) demonstrating your skills. Solve
problems for your audience – e.g. if you’re a fitness
coach, share a quick exercise clip. Over time, this
content shows your expertise and attracts followers.​

4.​ Engage Authentically: Reply to comments and DMs,

and join conversations in relevant groups or forums
(like commenting on LinkedIn or Twitter posts). Help
others with advice. Building a brand is not just about
broadcasting, but about building relationships.​

5.​ Showcase Your Work: Use free tools to make all your
important links and content easily accessible. For
instance, create a free Linktree page so your
Instagram bio can link to all your other profiles,
website, portfolio and products . Set up a free Notion
page or blog (Notion has free personal website
templates with custom domains, blogs, and contact
forms ) to serve as your portfolio. Use Canva (free tier)
to design eye-catching graphics and post templates.​

Dos & Don’ts:

54
 ●​ Do: Be authentic and positive. Share
behind-the-scenes glimpses or success stories. Keep
your messaging consistent (same profile picture, brand
colors, tagline). Post regularly (even 1–2 times a week)
so followers know you’re active. Use stories or live
videos to show personality.​

●​ Don’t: Don’t post negative rants or off-brand content.

Avoid jumping between unrelated topics or industries.
Don’t copy others’ posts word-for-word – put your
own spin on ideas. Don’t ignore feedback: if people ask
questions, answer them.​

Common mistakes: Beginners often lack focus. For example,

if you try to be everything to everyone, your audience gets
confused. Skipping a profile photo, not filling out your bio, or
having inconsistent branding (different fonts, colors, or tone)
can make you look unprofessional. Another mistake is
irregular posting – your brand won’t grow if followers don’t
hear from you. Finally, ignoring analytics (like which posts get
likes or comments) means you miss out on learning what
content your audience loves.

55
Helpful tools:

●​ Linktree: A free “link in bio” page so you can share

multiple links through one URL . Handy for guiding
followers to your website, blog, store or catalog.​

●​ Notion: A free all-in-one workspace. You can use

Notion’s website templates to create a simple portfolio
or resume page (with forms and your projects) .​

●​ Canva: A user-friendly design tool with thousands of

free templates for social posts, YouTube thumbnails,
logos and more. Great for branding visuals without
hiring a designer.​

●​ Scheduling Apps (e.g. Buffer, Hootsuite free plan): To

plan your posts ahead of time and keep consistency.​

●​ Google Analytics & Social Insights: To track your

website traffic and social media engagement, helping
you see what content works.​

56
Platform-Specific Strategies

Different social platforms have their own “personality” and

audience. By tailoring your approach, you can make the most
of each channel. For example, Instagram favors high-quality
images and short videos, WhatsApp is for personal
one-on-one chat, LinkedIn is a professional networking space,
YouTube is best for longer video tutorials, and Twitter (X)
thrives on real-time updates and conversation. Understanding
these differences will help you reach customers where they’re
most active.

base in India ). To use it effectively:

●​ High-quality posts: Share well-lit photos or short

videos of your product or work. Use descriptive
captions with relevant hashtags to help people
discover you .​

●​ Reels and Stories: Use Reels (15–30 second videos) to

showcase tutorials or quick tips – these get a lot of
reach . Use Stories for behind-the-scenes clips, polls,
or Q&A stickers to interact. For example, a freelancer
might post a quick “before/after” Reel of their design

57
 process, and use a Story poll (“Which logo do you
prefer?”) to engage followers.​

●​ Engagement: Post consistently (e.g. 2–3 times per

week) and promptly reply to comments. Collaborate
with other creators or use Instagram’s shopping tags if
you sell products.​

WhatsApp (Personal Chat & Broadcast): WhatsApp is

extremely popular in India (billions of users). Use the
WhatsApp Business app to set up a professional profile:
include your business hours, website link, and a short
description . You can even list products or services in the
catalog. Key tips:

●​ Quick replies & labels: Save responses for FAQs (like

“Price list” or “Appointment booking”) so you can
answer in one tap . Label chats (e.g. “New Lead”, “Order
Placed”) to stay organized.​

●​ Get permission: Always get customers’ consent before

messaging them. For example, add a “Sign up for
updates” checkbox on your website with a small

58
 incentive (like a discount) . Customers prefer
messaging businesses directly for support rather than
filling forms .​

●​ Be personal: Send friendly, personalized messages

instead of generic blasts. A study of Indian businesses
showed that personal product recommendations on
WhatsApp led to 35% of chats converting into sales .
Use WhatsApp Status (like a story) to post deals or
quick announcements to all your contacts at once.​

LinkedIn (Professional Networking): LinkedIn is tailored to

business and careers. It’s ideal for freelancers or service
providers who target other businesses or professionals. To
leverage it:

●​ Complete your profile: Use a clear photo, write a

headline that includes keywords (e.g. “UX Designer |
Bangalore”). LinkedIn profiles convey professionalism
and can build trust .​

●​ Share value: Post short articles or updates about your

work, industry insights or success stories. For example,

59
 a social media consultant might publish a LinkedIn
post about “3 Tips to Grow Your Instagram
Engagement.” Other professionals will see your
expertise and may reach out.​

●​ Networking: Connect with clients, peers and alumni.

Join LinkedIn groups in your field and contribute. Ask
satisfied clients to give you recommendations on
LinkedIn. Remember, 89% of B2B marketers use
LinkedIn for lead generation , so a strong presence
here can help you find leads.​

YouTube (Educational Video Content): India now has the

largest YouTube audience in the world – about 462 million
users as of early 2024 . This makes YouTube a powerful
platform for any digital business. Tips:

●​ Helpful content: Create videos that teach or

demonstrate something. If you sell digital products
(like online courses), record a tutorial or a “top tips”
video related to your niche. For example, a
photographer could post a video on “5 Tips for Mobile

60
 Photography.”​

●​ SEO optimization: Use clear titles with keywords,

write detailed descriptions, and add tags so people can
find your videos. Custom thumbnails help attract
clicks.​

●​ Consistency: Upload on a schedule (even once a week).

Encourage viewers to subscribe and hit the bell icon.​

●​ Shorts: Don’t forget YouTube Shorts (vertical videos up

to 60s) – they’re great for quick demos or
behind-the-scenes peeks.​

●​ Engage: Reply to comments and ask viewers to share

your video. Include links in the description back to
your website or social profiles. Over time, good videos
will continue to draw views (just like organic content).​

Twitter (X): Twitter (now X) is a fast-paced platform for short

updates. Its audience skews young and engaged . To use it:

61
 ●​ Post often: Tweet regularly (multiple times a day is
fine). Share quick tips, industry news, or links to your
blog/videos. Use relevant hashtags to expand reach
(e.g. #FreelanceFriday, #SmallBiz). Keep it
conversational.​

●​ Engage: Reply to other people’s tweets and join

trending conversations. For example, if a news story
relates to your field, share your take. Twitter rewards
interaction – retweets, likes and comments on your
posts increase visibility .​

●​ Use visuals and threads: Images or short videos in a

tweet get more attention. Use tweet threads (a series
of connected tweets) to tell a longer story or explain a
topic step-by-step.​

●​ Customer service: Many users DM on Twitter for

quick questions. Respond politely – a friendly reply can
turn a curious follower into a customer.​

First 30-Day Marketing Checklist

62
Use this week-by-week checklist to kickstart your marketing
in the first month:

1.​ Days 1–3: Define Your Goal and Audience. Decide

exactly who you’re selling to (age, location, interests).
Sketch a quick plan: what problem does your
product/service solve? Set a clear goal (e.g. “Get 50
followers” or “Make 5 sales” in 30 days).​

2.​ Days 3–5: Set Up Your Online Presence. Create or

polish your website/landing page. Set up your social
profiles (Instagram, LinkedIn, YouTube channel,
Twitter, WhatsApp Business). Use the same
name/handle and professional photo. Write clear bios
that mention what you do and how you help.​

3.​ Days 5–10: Plan Content. Plan 10–15 posts or pieces of

content. For example: Instagram image posts, one
video, two LinkedIn articles, a tweet thread. Decide
themes or topics (e.g. industry tips, product demos,
customer stories). Create a simple content calendar
(which days you’ll post on which platform).​

63
4.​ Days 10–15: Create & Link Everything. Design and
write your content. Use Canva to make eye-catching
graphics. Write captions and descriptions. Upload a
sample video to YouTube or draft a blog post. Set up a
Linktree (or similar free tool) and add it to your
Instagram/Twitter bio . This way, anyone clicking your
profile can easily find all your links (portfolio, shop,
blog, etc.).​

5.​ Days 15–20: Launch & Engage. Start publishing as

planned. On each platform, respond to any comments
or messages quickly – engagement early on boosts
visibility. Join 1–2 relevant online groups or
communities (like a WhatsApp business group, a
LinkedIn group, or a Twitter hashtag chat) and
introduce yourself.​

6.​ Days 20–25: Analyze & Adjust. Look at early results.

Check website visits (Google Analytics), or social
analytics (e.g. Instagram Insights shows which posts
had most likes). Note what content performed best. If a
Facebook post or tweet did well, consider turning it

64
 into a quick ad to boost it.​

7.​ Days 25–27: Try a Small Paid Promotion. If your

budget allows, run a tiny ad campaign on the top
platform. For instance, boost a high-performing
Instagram post for ₹500–1000 to reach new people. Or
run a Google Ads campaign with a small daily spend.
Measure if it brings clicks or inquiries.​

8.​ Days 28–30: Review and Plan Next Steps. Review what
you’ve learned. Update your goals and plan for the next
month. Celebrate small wins (first sale? 100 followers?).
Keep up the momentum – even after 30 days,
marketing is ongoing. Remember, consistency builds
growth!​

65
 Chapter 8: From ₹1 Lakh to ₹10
Lakh to ₹1 Cr

You’ve made your first ₹1 Lakh. That’s a huge milestone—one

that many people dream about but never reach. But guess
what? The journey has only just begun. If you’ve followed the
earlier chapters, you now have the tools, skills, and mindset to
aim for bigger goals.

Let’s talk about how you scale from ₹1 Lakh to ₹10 Lakh and
then all the way to ₹1 Crore.

Creating Multiple Income Streams

One mistake many people make after earning their first big
money online is depending on just one source. That’s risky.
What if your freelancing client suddenly disappears? Or your
product stops selling?

66
Instead, start building multiple income streams—not all at
once, but one by one.

Here’s a simple model:

●​ Base Income (Freelancing): This keeps the cash flow

steady. You already know how to get clients from
platforms like Fiverr, Upwork, and LinkedIn.​

●​ Scalable Income (Digital Products): Start creating

ebooks, online courses, or templates related to your
skill.​

●​ Passive or Side Income: Add affiliate marketing, sell

templates, start a YouTube channel, or build a simple
dropshipping store.​

🎯 Example: You’re a freelance graphic designer. Keep working

with 2–3 clients monthly (base income), launch a “Logo Design
Guide” ebook (digital product), and sell ready-made Instagram
templates on Gumroad (side income).

Each income stream adds a new pillar to your financial house.

Even if one slows down, others will keep you going.

67
Outsourcing, Hiring, and Scaling

As you grow, your time becomes more valuable.

In the beginning, you did everything—designing, writing,

marketing, replying to emails. But to reach ₹10L and beyond,
you must focus only on tasks that grow your income, and
delegate the rest.

What to Outsource:

●​ Repetitive tasks: Social media posts, basic edits, admin

work​

●​ One-time jobs: Website development, logo design,

content creation​

●​ Customer service: If you’re selling products or services​

💡 Tip: Hire freelancers from India or abroad on platforms like

Fiverr or Internshala. You don’t need full-time employees—just
people who can save your time.
Mindset shift: Don’t think “I’m losing money by hiring
someone.” Think, “I’m buying time to make more money.”

68
Scaling is also about automating systems—use tools like
Notion for planning, Canva for design, and email marketing
software for follow-ups. Automation + outsourcing = growth
with less stress.

Smart Money Management: Reinvesting,

Saving & Spending Wisely

Making money is one thing. Keeping and growing it is

another.

The reason most people never reach ₹1 Crore is that they start
spending like they’ve already made it.

Here’s a simple money rule:

●​ 50% — Needs: Rent, bills, groceries​

●​ 30% — Wants: Gadgets, clothes, lifestyle​

●​ 20% — Growth: Savings, investments, learning​

69
3 Golden Habits:

1.​ Reinvest profits: Put a portion of your earnings back

into ads, better tools, or learning new skills.​

2.​ Save smartly: Use SIPs, FDs, or digital gold. Keep an

emergency fund with at least 3–6 months’ expenses.​

3.​ Avoid lifestyle inflation: Just because you earned ₹1L

this month doesn’t mean you need a new iPhone.
Upgrade your life slowly and intentionally.​

💡 Example: You made ₹2L from a product launch. Instead of

spending it all, use ₹50K for Instagram ads, ₹20K to build a
better website, ₹30K into savings, and treat yourself with ₹10K.
That’s how pros think.

Recap Action Plan

●​ Keep your main skill-based income stable​

70
●​ Add 1 new income stream every 60–90 days​

●​ Outsource low-level tasks, so you can focus on growth​

●​ Follow the 50/30/20 rule to manage money​

●​ Reinvest consistently—your money should be working

too!​

71
Chapter 9: The 365-Day Plan —
Monthly Blueprint

Okay, let’s bring it all together now.

You’ve learned about high-income skills, freelancing, online

businesses, marketing, and money management. But
knowledge without action is just potential.

This chapter is your action roadmap — a month-by-month

blueprint to help you stay consistent and on track to hit the
₹1 Crore mark in 365 days. This isn’t just theory — it’s a doable,
practical system that hundreds of digital creators and
freelancers follow every year to scale fast.

Let’s break it down.

Month-by-Month Income Goals (Sample Plan)

📌 Note: These are sample goals. You can adjust based on your
niche, time, and effort.

72
Month Focus Area Target Earnings

1 Learn a ₹0 – ₹10,000
high-income skill

2
Practice + create ₹10,000 – ₹20,000
portfolio

3
Start freelancing ₹20,000 –
₹50,000

4
Get consistent ₹50,000 –
clients ₹80,000

5
Launch digital ₹80,000 –
product ₹1,00,000

73
 6
Double down: ₹1L – ₹1.5L
freelance +
product

7-9
Scale: ₹1.5L –
outsourcing + ₹3L/month
paid ads

10–12 Add new ₹3L – ₹10L/month

streams,
automate
systems

Goal: ₹1 Cr = ~₹2.74L per month. Some months will be slow,

others fast. What matters is progress.

Weekly Actions You Must Take

You don’t need to hustle 16 hours/day. You need to do the

right tasks consistently.

Here’s a weekly breakdown to guide your actions:

74
Every Week:

●​ ✔️ Spend 5–10 hours learning or improving your core

skill​

●​ ✔️ Apply to 10+ clients/projects on freelance sites​

●​ ✔️ Publish one valuable post on LinkedIn, Instagram,
or YouTube​

●​ ✔️ Send 3 cold emails or DMs to potential clients​

●​ ✔️ Spend 2–3 hours building your product or business
backend​

💡 Pro tip: Use Sunday evenings to plan your week. A clear

weekly goal = higher productivity.

Productivity Tools & Tracking Sheets

No need to keep everything in your head. Use simple tools to

stay focused and measure growth.

75
Recommended Tools:

●​ Trello / Notion – Task tracking and planning​

●​ Google Sheets – Track income, clients, expenses​

●​ Clockify / Toggl – Time tracking​

●​ Canva – Create posts, PDFs, visuals​

●​ Grammarly / ChatGPT – Write clear content, emails,

bios​

💡Tip: Don’t overthink tech. Use what feels simple and stick to
it.

Staying Accountable and Focused

Let’s be honest — some weeks will feel slow, some goals will
take longer. The only thing that will keep you going is
accountability.

Here’s how to stay on track:

●​ Have a scoreboard: Track weekly wins — even small

ones.​

76
 ●​ Get an accountability buddy: Find someone with
similar goals.​

●​ Join a community: Whether it’s a WhatsApp group or

Discord channel, being around like-minded people
boosts energy.​

●​ Set check-in reminders: Every 30 days, reflect and

reset.​

Example: “In the last 30 days, I made ₹35K from freelancing,

sent 50 proposals, launched one template. What can I improve
next month?”

Final Thought

A year might sound like a long time — but it flies. You’re not
just trying to get rich quick. You’re building skills, assets, and
systems that can make money for you for years to come. Take
this plan, adjust it to your pace, and stick with it. Most people
give up in month 3. You won’t. Because now, you have the

77
mindset, tools, and map. You’re not guessing anymore. You’re
growing, learning, and executing — week by week, month by
month. And by the end of 365 days, ₹1 Crore will no longer feel
like a dream. It’ll be your new reality.

78
 Chapter 10: Mistakes That Kill
Growth

Success isn’t just about what you do — it’s also about what you
don’t do.

You could be learning the best skills, following the right

strategies, and even making money… but if you’re falling into
the wrong habits or traps, it can slow you down or stop your
progress altogether.

This chapter is here to save you from those mistakes — so you

don’t have to learn them the hard way.

1. Most Common Traps for Beginners

Let’s start with the big ones most people don’t see coming:

Shiny Object Syndrome

79
Every week, there’s a new trend — crypto, dropshipping, AI
tools, trading, etc. Jumping from one thing to another keeps
you in learning mode forever, and earning mode never
starts.

Stick to one income path at a time. Master one skill. One

platform. One business. Then expand.

Waiting for “Perfect”

Many people delay launching because they think:

“I need a better logo.”

“My website isn’t perfect yet.”
“I need more experience first.”

Truth is, you learn the most after starting. Action creates
clarity.

Start messy. Improve as you go.

Undercharging or Working for Free Forever

Yes, doing some free work to build a portfolio is okay. But

don’t stay stuck there. If you keep working for peanuts, you’ll
never grow.

80
Set your prices based on your value, not your doubt.

Doing Everything Alone

Trying to design, write, market, sell, and manage — all by

yourself — leads to burnout.

Eventually, learn to outsource and use tools. Even getting help

from a student freelancer can save hours.

2. Avoiding Burnout, Distractions &

Fake Mentors

😫 Burnout Is Real
When you’re building something big, it’s tempting to work
12–14 hours a day. But burnout is the enemy of consistency.

Signs of burnout:

●​ You feel exhausted even after sleeping.​

●​ You start hating what you once enjoyed.​

81
 ●​ You can’t focus for more than 15 minutes.​

Work in short focused blocks. Take breaks. Celebrate small

wins. Remember, this is a marathon, not a sprint.

Distraction Overload

Social media, notifications, Netflix… they’re all enemies of

deep work. The time you waste scrolling could be spent
writing your offer, sending DMs, or learning.

Use tools like Forest App, block social apps during work hours,
and build a morning routine that gives you momentum.

Beware of Fake Gurus

Not everyone on YouTube or Instagram wants to help. Some

just want to sell you dreams (and expensive courses).

Before following someone’s advice, ask: “Have they actually

done what they’re teaching?”

82
Stick to real creators and mentors who show results, not just
lifestyle.

3. How to Recover from Failures and

Bounce Back Fast

Failure is part of the journey. But the winners are those who
bounce back quickly.

Here’s how:

Do a Reflection Check

Ask yourself:

●​ What exactly went wrong?​

●​ Was it strategy, mindset, or timing?​

●​ What can I do differently next time?​

Failure is data — not a dead end.

83
Change the Strategy, Not the Goal

If one income stream flopped, try another.

If one offer didn’t sell, tweak it.

You don’t need to start from zero again — just adjust your
approach.

Bounce-Back Formula

Whenever you feel like giving up, do this:

1.​ Take a break for 1 day — reset.​

2.​ Read or listen to something that inspires you.​

3.​ Write down ONE small win you can create today.​

4.​ Do it — just one step. That momentum is all you need.​

Final Reminder:

84
Mistakes will happen. Burnout will tempt you. Distractions
will pull you. But you now have the awareness to spot them
before they slow you down.

Every successful entrepreneur or freelancer has faced failure.

The only difference?

They didn’t stop.

Neither will you.

85
 Chapter 11: Real Stories & case
studies

By now, you’ve got the mindset, skills, and strategies. But you
might still be wondering:

“Can someone like me actually make 1 crore online?”

Yes — and here’s the proof.

This chapter brings you real-life stories of Indians under 30

who built online incomes and crossed ₹1 crore, starting with
nothing fancy — just internet, skills, and serious consistency.

These are people who started where you are — confused,

curious, but committed.

Let’s meet them.

86
Saheli Chatterjee (21) – From ₹110
Freelance to ₹1 Crore Freelancer

Saheli started with just ₹110 in her pocket and no roadmap.

By age 21 she had made over ₹1 crore through online
freelancing and digital services . She began with
content-writing and social media gigs, slowly building a
personal brand (as “Helly” of TheHellyBlog). Over a few years
she founded AmbiFem (a digital marketing agency) and now
sells courses (e.g. Freelance 101 Academy) and consulting. Key
strategies included continually upgrading her skills,
showcasing real case studies to attract clients, and learning to
negotiate higher rates . Saheli emphasizes persistence
(despite countless rejections) and marketing herself
authentically.

●​ Income model: Freelance marketing/writing services,

later courses and masterminds.​

●​ Key moves: Started tiny and learned by doing; built a

strong personal brand and case-study portfolio;
focused on high-value clients.​

87
 ●​ Tips: Believe you can scale – even a ₹110 start can
reach ₹1 Cr with persistence . Cultivate a growth
mindset, invest in learning (books/courses), and don’t
undersell your value.​

Actionable takeaways: Start freelancing in a field you love

(writing, design, etc.) and build social proof. Share your
journey openly to attract mentors/clients. Be resilient – every
“no” can teach you something. Showcase real results (as
Saheli did) and steadily raise your rates as you improve .

Links: LinkedIn – Saheli Chatterjee │ Site – sahelichatterjee.com

Ayush Wadhwa (~18) – One-Person

Hustle to Digital Agency

Ayush grew up in a small town (Rohtak) and started earning as

a teenager. He taught himself video editing and digital
marketing (using free YouTube tutorials) and launched Owled
Media – a content marketing agency. What began as a solo
freelance hustle (with just a webcam and curiosity) has scaled

88
into a 75+ member creative team . Along the way Ayush
cracked the freelancing code: focusing on a niche (e.g.
YouTube and social content), landing big-paying clients early,
and reinvesting in people (hiring editors, designers, etc.) to
grow. In interviews he stresses starting without capital – first
build a small portfolio, then treat freelancing like a business.

●​ Income model: Started with YouTube/content

freelancing, now runs a full-service digital marketing
agency (video, branding, social media).​

●​ Key moves: Self-learned high-income skills (video

editing, digital ads) via free resources. Began with small
projects and gradually hired team members to serve
more clients . He focused on emerging platforms (e.g.
early Instagram/YouTube trends) to stand out.​

●​ Tips: Turn your hobby/skill into a niche service.

Ayush’s story shows that a solo freelancer can become
an entrepreneur by scaling up – first you learn and
deliver, then you build processes and hire helpers .​

89
Actionable takeaways: Use YouTube and blogs to learn a
marketable skill (like social media or design). Start accepting
small freelance projects (even for ₹5k-10k) to build a portfolio.
Then create systems – e.g. template proposals or an internal
team – so you can take on more work and multiply your
earnings. Ayush’s journey underlines: focus, skill up, then
delegate to grow .

Links: Instagram – @ayushwadhwa │ Podcast interview –

Indian Business Podcast

Avinash Mada (19) – Instagram

Marketing Prodigy

Avinash was a college student when he turned his hobby into

profit. He ran a memes page on Instagram and quickly built a
large following. Brands started paying him to promote
products – at 19 he earned ₹80 lakh in 6 months doing
Instagram marketing . Avinash’s company now manages social
campaigns for e-commerce and lifestyle brands: he has ~12
clients (charging $1,000–2,000 each) and even a team of
freelancers to execute campaigns . He plans to sell an online
course (via “IG Empires”) teaching others his methods.

90
 ●​ Income model: Social media marketing services. He
leveraged his own Instagram influence to offer
follower-growth and ad services to clients.​

●​ Key moves: Grew an engaged niche audience

(memes/lifestyle). When brands noticed his page, he
pivoted from hobby to business . He reinvested in a
small team (7 freelancers) to scale his offerings.​

●​ Tips: Focus on a platform/community you enjoy.

Avinash built trust by being authentic (memes on
tech/ecommerce), then reached out to brands. Learn
about advertising and analytics; even a self-taught
student can land high-paying digital gigs.​

Actionable takeaways: If you have an online presence or can

build one (Instagram, YouTube, etc.), start engaging with an
audience on a specific topic. Once you have followers,
monetize by helping others: contact brands or offer services
(as Avinash did) . Even without degrees, a strong social profile
+ hustle can translate into crores. Also, begin forming small
teams or partnerships early if demand grows.

91
Links: Times of India interview │ Instagram – @meetavinash

Gautam Madhavan (23) – Influencer

Marketing Entrepreneur

Gautam left college in Delhi and borrowed ₹1 lakh to start

Mad Influence, an influencer-marketing agency. He spotted
the TikTok boom early and focused on connecting brands
with social media creators. In a few years his agency was
raking in ₹50 lakh per month . Gautam’s strategy was simple
but bold: invest in people and new platforms. He built
partnerships with hundreds of micro-influencers and
automated campaigns, so that referrals and repeat clients
drove growth.

●​ Income model: Digital marketing – charging brands for

influencer-led campaigns and social media strategy. He
also runs events and sells creator management
services.​

92
 ●​ Key moves: Started lean (just ₹1L capital) and went
after emerging trends (TikTok, Instagram Reels) before
competitors. Prioritized quality by vetting influencers
and building an in-house “creator network.” Each
campaign’s success fueled word-of-mouth.​

●​ Tips: Pick a niche (influencer marketing) and be

first-mover. Gautam stresses rapid learning: don’t
over-plan – launch campaigns fast and refine them
with real feedback. Creating systems (for hiring,
pitching, reporting) helped him scale from a solo
founder to a multi-crore company

Actionable takeaways: Look for a gap in digital marketing (e.g.

short-video content, niche communities) and start small.
Build a personal brand too – Gautam featured himself as a
TikTok marketing thought leader. Focus on delivering ROI to
clients (high engagement or sales), then reinvest profits in
talent and tech. As he shows, taking intelligent risks and
constantly adapting your strategy (e.g. moving into AI or new
platforms) can grow a ₹1 lakh startup into a ₹1 Cr+ business .

Links: LinkedIn – Gautam Madhavan │ Website – Mad

Influence

93
Action Steps for You

●​ Decide: Which direction suits you best — freelancing,

content, or products?​

●​ Take One Action: Start today. Whether it’s setting up a

Fiverr profile, learning Canva, or posting your first reel
— do it now.​

94
 Conclusion: Your Turn to Earn

The roadmap is in your hands. The stories you read, the

action plans you saw, and the strategies you explored —
they’re not just for someone else. They’re for you.

If you’ve read this far, you already have something most

people don’t: clarity. Now you know that ₹1 Crore isn’t some
unrealistic dream. It’s just a target — and like any target, it
becomes reachable when you break it down, aim consistently,
and stay focused.

The Next 365 Days Are Yours

Forget waiting for the “right time.” This is it. Whether you’re
starting with ₹0 or ₹5,000, whether you’re in college, working
a job, or unemployed — what matters is that you start.

You don’t need to get it all perfect. Just get going.

→ Learn a high-income skill.

95
→ Get your first client or customer.

→ Start building a brand, creating value, and earning.

Don’t worry if you only make ₹1,000 in the first week. That’s
the proof of possibility. Scale will come — if you stay in the
game.

You vs You: Build Wealth That Lasts

Most people lose the game not because of lack of opportunity

— but because they quit too soon. The only real competition is
you vs. the version of you that procrastinates, doubts, or
overthinks.

Be the version of yourself that takes small steps daily. That

version compounds into someone unstoppable.

Wealth isn’t just about money. It’s about freedom. Freedom to

say no. Freedom to build your dream life. Freedom to create
your own rules.

You now have the blueprint — skills, freelancing, online

business, marketing, money mindset, tools, examples, and
more. No excuses.

96
Final Pep Talk
The difference between ₹10K/month and ₹10L/month is
usually not talent — it’s execution and consistency.

So here’s your mantra:

“Learn. Act. Improve. Repeat.”

You don’t need motivation every day. You need discipline for
the first 30 days — and after that, momentum will do the rest.

Free Resources to Help You Start:

Skill Learning:

●​ YouTube: Ali Abdaal, HBA Academy, Ankur Warikoo​

●​ Udemy & Coursera (search: copywriting, design,

coding, etc.)​

●​ freecodecamp.org (for coding, data, web)​

Freelancing Platforms:

●​ Fiverr.com​

97
 ●​ Upwork.com​

●​ LinkedIn Jobs (freelance gigs)​

Business Tools:

●​ Canva (for design)​

●​ Notion (for goal tracking)​

●​ ChatGPT (for content ideas, client work, research)​

●​ Gumroad & Shopify (for digital products)​

Productivity & Focus:

●​ Pomodoro Timer (focus work)​

●​ Forest App (stay off social media)​

●​ Habit Tracker App​

●​ Accountability Buddy (partner up!)​

98
Final Word: If even one person reading this hits ₹1 Cr
because of this book — then it’s all worth it. Let that person be
you.

You’ve got 365 days. Start the clock.

Let’s build.

99
 THANKYOU

Hey there!

Just wanted to send you a BIG thank you for grabbing a copy
of “1 Cr in 365 Days.”

You didn’t just buy a book—you took your first real step
toward something big.And that says a lot about you.

This book isn’t magic—but your action is.. It’s a roadmap to

transform your mindset, skills, and income… who knows what
you’ll build?

And most importantly, believe in yourself like

crazy.You’ve got what it takes.

Let’s make that 1 Cr dream a reality—starting today.

Cheering you on,

[Hardik]

Creator of 1 Cr in 365 Days

100