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We Left Everything And Retired In The Hills | Peace Is Priority.

PowerUp Money

644,245 views

Can you really retire at 45 with just ₹1 crore?
Amit Chilka, an HR professional, did exactly that. After spending over two decades in corporate HR roles, he left his full-time job, moved from Pune to Dehradun, and reduced his monthly expenses from nearly ₹1.5 lakh to around ₹50,000.

But here’s the important part most people miss.

He is not simply living off his ₹1 crore corpus. His investments in mutual funds, PPF, NPS and child education fund are still compounding. His regular expenses are covered through consulting, coaching and leadership retreats.

So, this is not the typical “retire early and do nothing” story.

It is a story about financial planning, lower expenses, debt-free living, skill-based income, and designing a life where money gives you freedom not pressure
His website: https://amitchilka.com/
Viram retreat: https://pauseandarrive.com/viram-4-da...
--
Few corrections in the video:
Amit worked in Syntel and not Singtel.
He worked in Synergist Consulting from 2014 - 2021 and not 2012 -2019.
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Timestamps
00:00 - 00:45 - Do Not Chase FIRE
00:45 - 03:57 - Life In Dehradun
03:57 - 05:15 - Early Life and First Salary
05:15 - 05:50 - I Did Not Chase FIRE
05:50 - 07:18 - FIRE Framework
07:18 - 07:55 - Portfolio Allocation
07:55 - 12:08 - Trigger To Retire
12:08 - 12:47 - Investment Journey
12:47 - 13:16 - Current Income
13:16 - 17:15 - Struggles In Real Estate
17:15 - 20:53 - Why Dehradun?
20:53 - 22:49 - I Quit Rat Race

Tune in for practical investment advice that anyone can apply, whether you're a beginner or looking to enhance your existing portfolio.

Watch the full video for more insights and inspiration!

Don't forget to like, comment, and subscribe for more episodes.
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20 Comments

@PowerUpMoney Creator 3 months ago Pinned

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@learnexcel486 3 months ago

Newton's 4th Law : Never visit a place by looking at Drone shots

Newton's 5th Law : Never Quit your Job by looking at unknown young Retired people

@BhaveshPatel-h7v 3 months ago (edited)

I am now 37 years old and have completed paying off my 3 BHK home loan and car loan in 2024 and 2025, respectively. I achieved all of this on my own without asking anyone for a single rupee. Now, my focus is only on investments. My advice to everyone: aim for an EMI-free life first.

@vijaybarse 3 months ago

It’s very easy to sit behind a keyboard and make comments like “he earned well,” “he has a corpus to fall back on,” or “he has rental income,” but the fact remains that he has been completely transparent in his discussions. Instead of complaining about these things, I genuinely wish him and his family the very best, and hope all their dreams come true. I’m choosing to draw inspiration from what he shared — especially the reminder that no specific number can make a person happy; true contentment comes from appreciating what we already have.

Thank you for offering such a thoughtful perspective.
God bless, Sanvi.

@MultiDiig 3 months ago

1. He has rental income from the Pune Home - What about you ? 42 thousand, that covers most things.
2. He is still working - Do you plan to work in retirement?
3. His annual package was 50 lakh when he left - Where do you stand ?
4. Most important - will you be willing to pick up a delivery job, driving a cab if things don't go according to plan? The job market is the worst right now.

@akhandbha 3 months ago

He is earning that's important.

The corpus is a cushion

@SNEHLATAMAHESHWARI 3 months ago

Looking rosy from outside... Guys create peace happiness within you.. You can retire anywhere.. Mountains looks rosy for a week only

@Poorguy-abc1 3 months ago (edited)

Dehradun in neither hill or any ideallic off grid location! It's rapidly turning into a large and horribly chaotic city now.

@12121ashmit 3 months ago (edited)

Being in good health is the real wealth..
Mentally & physically.
Also having your loved ones with you is a gift.
You will never meet again so spending lot of quality time together is magic.
Money is important but greed is a destroyer.
Keep some dreams for the next generation to achieve.
Don't be in debt.

@nileshpartani 3 months ago

Retire or no retire but go EMI free and you will start living, good to see this story, it requires guts to make decision, my best wishes 🌺

@RamsisRams 3 months ago

Title should also say 1 L monthly rental 😂

@amitsuju 3 months ago (edited)

There are lot of things which will not be covered in this video. The struggle he and his family still has to go through.
It's not all happy and sunshine story.
There are usually moments of happiness and higher level of peace if you have the capacity to absorb it. If you do it's going to be amazing and if not, well!

@warrior19-p9p 3 months ago

There are two kinds of people. One who chases money and lifestyle. The other one is chasing spirituality. Both are chasing only. And both are same only for brain. If you are content with yourself, place does not matter. Stay wherever you are. If your mind is not calm, even if you go to Himalayas, you can't get that peace at all.

@naruto5437 3 months ago

kudos to the family...u r able to do what many could not

@androidphone6972 3 months ago

I’m scared of snakes. That’s the only thing I would be worried about if I’m living in the hills.

@DadJunction 3 months ago

Going back home after the boom is over it's good and natural

@Ashvik322A 3 weeks ago (edited)

Totally agree with you. I think you made a really good decision by choosing your peace and well-being over a job. At the end of the day, no matter how important a job or career may seem, what we all truly want is a peaceful and fulfilling life. And if we have the opportunity to choose peace a little earlier in life, there’s absolutely nothing wrong with that. Sometimes, prioritizing your mental peace and happiness is far more valuable than simply holding on to a job for the sake of it.

Edit- You’re already living the kind of life that most people don’t truly understand until they’re well into their 60s. The realization that peace, freedom, and happiness matter more than constantly chasing money, status, or career milestones usually comes much later in life — and you’ve figured it out much earlier.

@agastyatrivedi 2 months ago

I love their journey, so good and so pure. I wish them all the luck and may they lead a happy life.

@gypsyabhimanyu2849 2 months ago

Chalo acha hai do saheliya mil ke nadi kinare baithenge aur bolegi kitne mithe ho tum amit ..what a sweet voice this man has.

@binujoseph71 2 months ago

You are a genius realizing the true aspects of life, not going after the materialistic pleasures rather engaging in a pieceful and tranqil life. Being with your mother on her death bed was really touching