Education, not advice
Rich in 3 Years, this website, its tools and its community are for education only. Nothing here is financial, investment, tax, legal or medical advice, and nothing is a recommendation to buy, sell or hold any security, fund, property or other product.
On this website the author is not acting as a SEBI-registered investment adviser or research analyst. Before you act on anything you read here, think about your own situation and, where it matters, speak to a SEBI-registered investment adviser, a chartered accountant or a lawyer.
Market risk
Investments in the securities market are subject to market risks. Read all related documents carefully before investing. Returns are never guaranteed, past performance does not predict future results, and you can lose money.
Illustrations, not promises
Every number in the book, calculator and tools is an illustration built on stated assumptions about salary growth, inflation and returns. Your results will differ. "Rich in 3 Years" is a name for a disciplined season of saving, not a promise of any amount by any date.
Saving 50% is not right for everyone right now
If you are on a low income, carry high-interest debt, or support dependants, saving half your income may not be possible or wise yet. Cover essentials, health insurance and an emergency fund, and clear expensive debt first. Never cut spending on health, food or your family's safety to hit a percentage.
Stories and examples
People and situations in the book and tools, such as Gupta ji, are illustrative composites. Any resemblance to real people is coincidental.
Beware of impersonators
We will never ask you for money, OTPs, passwords, bank details or remote access to your phone, and we never offer stock tips, trading calls or guaranteed returns. Anyone claiming to be us and asking for these is a scammer. The only official links are save50pct.com and t.me/richsaversclub.
Community comments
Comments are written by readers. They are the views of the people who post them, not the author's, and they are not checked for accuracy. Do not act on them as advice. Share percentages, never rupee amounts, account numbers or other personal details. Comments may be removed at the author's discretion.
AI chatbots and other websites
Answers from ChatGPT, Claude, Gemini or any other AI tool you use with this book are produced by those services, not by us. They can be wrong, so check them. Links to Telegram and other websites are provided for convenience; we are not responsible for their content, privacy practices or availability.
Privacy
The tools run in your browser and send nothing to us. The Daily Reflection keeps your streak only on your own device. When you post a comment we store the name you enter, your comment, the time, and a one-way hash of your IP address used to limit spam. Like most websites, our server keeps standard access logs, and fonts load from Google Fonts. We do not sell your data or run advertising trackers on this site.
No liability
You are responsible for your own financial decisions. The author is not liable for any loss or damage arising from use of this book, website, tools or community. Content may contain errors and may change without notice.
Copyright
© 2026 Anup Jhunjhunwala. You are welcome to share links and short quotes with credit. Please do not republish the book or tools in full without permission.
Last updated 21 October 2026. Questions or corrections: post in the discussion.