Gaji awal Rp 6.5M, akhir Rp 9.2M. No jualan online. No crypto. Sinta saved Rp 500M (Rp 310M pokok + growth) by doing boring things consistently.
Month-by-Month System
- Auto-debit H+1 gajian: 25% → Bibit (RD Saham 60% + Obligasi 40%), 10% → deposito emergency (sampai 6×).
- THR + gaji 13: 100% invest (bukan gadget).
- Naik gaji 8%/yr: naik saving 5% → lifestyle naik cuma 3%.
Return
Average 9.1% CAGR (reksadana campuran). After 60 months: Rp 310M setor → jadi Rp 418M. Plus tambahan awal Rp 80M dari jual motor warisan → total Rp 498M.
Why She Won
Automation > discipline. She never saw the money in rekening utama — di Jago pocket terpisah. “Kalau lihat, pasti terpakai.”
Bottom line: Consistency beats intensity. Automate first, not after.