13 Years and Still Not There: A True Story of Debt, Survival, and Everything Nobody Warns You About

· Vivek Sharma
1 review
Ebook
25
Pages

About this ebook

I am not writing this from the other side. There is no other side yet.

I am 37 years old. I have ₹12 lakh in debt, a wife, a daughter, and a salary of ₹48,000 a month after thirteen years in SEO. The math at the kitchen table does not work. Banks have sent notices. I have zero savings.

This is not a success story.

It is the story of a ₹3,300 first salary accepted without negotiating. Nine years of staying underpaid in Chandigarh while delivering real results for real companies. The good years between 2018 and 2020 when I earned close to ₹2 lakh a month and did not save enough. A love marriage across state lines and caste lines that everyone said was impossible. A daughter placed in my arms at 1:59 AM in August 2024. A job loss that turned ₹7 lakh of debt into ₹12 lakh in six months.

And the lessons. The real ones. The ones nobody teaches you before it is too late.

This book is for anyone who has worked hard their whole life and still ended up behind. For anyone stacking EMIs without a safety net. For anyone staying in an underpaying job because leaving feels too risky. For anyone doing math at midnight that does not work.

You are not alone in this.

I am not writing this from the other side. There is no other side yet. I am 37 years old. I have ₹12 lakh in debt, a wife, a daughter, and a salary of ₹48,000 a month after thirteen years in SEO. The math at the kitchen table does not work. Banks have sent notices. I have zero savings. This is no...

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About the author

Vivek Sharma is an SEO professional with thirteen years of experience in digital marketing. He grew up in the hills of Himachal Pradesh and has spent his career building businesses online for others while quietly learning the hard lessons of building a life for himself. This is his first book.

Vivek Sharma is an SEO professional with thirteen years of experience in digital marketing. He grew up in the hills of Himachal Pradesh and has spent his career building businesses online for others while quietly learning the hard lessons of building a life for himself. This is his first book.

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