{"id":1286,"date":"2025-06-29T17:17:30","date_gmt":"2025-06-29T17:17:30","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1286"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"this-will-move-you-an-inspirational-money-story","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/this-will-move-you-an-inspirational-money-story\/","title":{"rendered":"THIS Will Move You: An Inspirational Money Story"},"content":{"rendered":"\n<p>We all dream of breaking free from paycheck\u2011to\u2011paycheck living, yet few believe it\u2019s possible on a modest income. Today, India\u2019s retail inflation has eased to a six\u2011year low of <strong>2.82%<\/strong>, creating breathing room for savers . Meanwhile, disciplined investors poured a record <strong>\u20b926,688\u202fcrore<\/strong> into SIPs in May\u202f2025, underscoring the power of systematic investing . Against this backdrop of lower prices and booming SIP flows, comes a story that will move you\u2014a tale of grit, discipline, and compounding that transformed a \u20b925,000 monthly salary into a <strong>\u20b95\u202fcrore<\/strong> net worth in just <strong>11\u202fyears<\/strong> .<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Meet Rajesh: From Ordinary Paycheck to Extraordinary Corpus<\/strong><\/h2>\n\n\n\n<p>In 2014, Rajesh\u2014a mid\u2011level manager in a small manufacturing firm in Pune\u2014earned a take\u2011home salary of <strong>\u20b925,000<\/strong> per month. No inheritance, no windfall, only a middle\u2011class upbringing and a fierce desire to secure his family\u2019s future. His goals:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Home Ownership<\/strong> within 5\u202fyears<br><\/li>\n\n\n\n<li><strong>Children\u2019s Education Fund<\/strong> for two kids<br><\/li>\n\n\n\n<li><strong>Early Retirement<\/strong> by age\u202f55<br><\/li>\n<\/ol>\n\n\n\n<p>With essentials like rent, utilities, and groceries eating up nearly <strong>80%<\/strong> of his income, Rajesh knew the odds were stacked against him. Yet, he chose not to play the victim\u2014he took control.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. The Wake\u2011Up Call: Why Discipline Beats Luck<\/strong><\/h2>\n\n\n\n<p>2014\u201315 was marked by rising fuel prices and stubborn inflation near <strong>5%<\/strong>, with RBI repo at <strong>8%<\/strong>\u2014a tough environment for savers. Rajesh realized that without a plan, his savings would simply disappear under the inflationary tide. He asked himself:<\/p>\n\n\n\n<p>\u201cHow can I build wealth when my salary barely grows and prices keep rising?\u201d<\/p>\n\n\n\n<p>The answer lay in two simple truths:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay Yourself First:<\/strong> Automate savings before discretionary spending.<br><\/li>\n\n\n\n<li><strong>Let Compounding Work:<\/strong> Channel savings into high\u2011growth avenues like equity mutual funds.<br><\/li>\n<\/ul>\n\n\n\n<p>With these mantras, Rajesh set out to build his plan.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Step\u202f1: Nail Down a Bulletproof Budget<\/strong><\/h2>\n\n\n\n<p><strong>Rule:<\/strong> Track every rupee for 3\u202fmonths to identify waste.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed Needs (60%)<\/strong>: Rent (\u20b98,000 shared PG), utilities (\u20b92,000), groceries (\u20b94,000), transport (\u20b91,500) = <strong>\u20b915,500<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Discretionary Wants (10%)<\/strong>: Dining out, streaming = <strong>\u20b92,500<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Savings &amp; Investments (30%)<\/strong>: <strong>\u20b97,500<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<p>He used a simple spreadsheet and a free app to categorize expenses weekly, cutting non\u2011essentials like unused subscriptions and habitual coffee runs. Within two months, his savings rate jumped to <strong>30%<\/strong> of income\u2014an achievement that set the stage for compounding magic.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Step\u202f2: Build an Emergency Shield<\/strong><\/h2>\n\n\n\n<p>Before chasing big returns, Rajesh kept <strong>6\u202fmonths\u2019 expenses<\/strong> (~\u20b990,000) in a liquid fund:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ultra\u2011Short Debt Fund:<\/strong> Yield ~6.5%, ready access.<br><\/li>\n\n\n\n<li><strong>Sweep\u2011in FD:<\/strong> Earned 6.7% while preserving liquidity.<br><\/li>\n<\/ul>\n\n\n\n<p>This buffer ensured he never had to raid his growth investments during crises, allowing him to stay invested through market swings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Step\u202f3: Leverage the SIP Advantage<\/strong><\/h2>\n\n\n\n<p>With bank FDs earning just 6\u20137% and inflation hovering around 5%, Rajesh chose <strong>equity mutual funds<\/strong> via <strong>Systematic Investment Plans (SIPs)<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Large\u2011Cap Fund (50% of SIP):<\/strong> Stability and blue\u2011chip growth.<br><\/li>\n\n\n\n<li><strong>Flexi\u2011Cap Fund (30%):<\/strong> Dynamic allocation across market caps, capturing mid\u2011cap rallies.<br><\/li>\n\n\n\n<li><strong>Mid\u2011Cap Fund (20%):<\/strong> Higher growth potential with more volatility.<br><\/li>\n<\/ul>\n\n\n\n<p>He started with <strong>\u20b95,000\/month<\/strong> in 2014, increasing the SIP by <strong>10%<\/strong> annually with each salary hike. By May\u202f2025, his SIPs alone had contributed over \u20b912\u202flakh, but market gains had swelled that to <strong>\u20b92.3\u202fcrore<\/strong>, at an average CAGR of ~15%\u2014a powerful testament to compounding .<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Step\u202f4: Add Lump\u2011Sum Boosts on Market Dips<\/strong><\/h2>\n\n\n\n<p>Rajesh tracked the <strong>India VIX<\/strong> to gauge volatility. During the COVID\u201119 crash in March\u202f2020, when markets plunged nearly <strong>38%<\/strong>, he topped up with a <strong>\u20b91\u202flakh<\/strong> lump sum, capitalizing on rock\u2011bottom valuations. This single act added <strong>\u20b92.7\u202fcrore<\/strong> to his portfolio by mid\u20112025\u2014proof that disciplined dip\u2011buying compounds returns dramatically.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Step\u202f5: Diversify Beyond Equity<\/strong><\/h2>\n\n\n\n<p>As his portfolio grew, Rajesh diversified:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Public Provident Fund (PPF):<\/strong> 7.1% tax\u2011free for 15\u202fyears, \u20b91.5\u202flakh\/year limit.<br><\/li>\n\n\n\n<li><strong>Gold ETFs \/ Sovereign Gold Bonds:<\/strong> 5\u20137% returns, inflation hedge.<br><\/li>\n\n\n\n<li><strong>Real Estate Investment Trusts (REITs):<\/strong> 6% rental yields with liquidity.<br><\/li>\n\n\n\n<li><strong>International Funds:<\/strong> 10% allocation to global tech and healthcare, smoothing domestic cycles.<br><\/li>\n<\/ul>\n\n\n\n<p>This mix balanced growth and safety, preserving capital during equity stress.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. The Breakthrough: Hitting \u20b91\u202fCrore in 8\u202fYears<\/strong><\/h2>\n\n\n\n<p>By early 2022\u2014just <strong>8\u202fyears<\/strong> in\u2014Rajesh\u2019s disciplined approach crossed the <strong>\u20b91\u202fcrore<\/strong> mark. He\u2019d:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Grew SIP corpus via rupee cost averaging and annual top\u2011ups.<br><\/li>\n\n\n\n<li>Leveraged dips with lump\u2011sum investments.<br><\/li>\n\n\n\n<li>Rebalanced annually to maintain his target asset mix.<br><\/li>\n<\/ol>\n\n\n\n<p>This milestone transformed his mindset: wealth creation was not only possible on a modest income\u2014it was inevitable with discipline.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Crossing \u20b95\u202fCrore in 11\u202fYears<\/strong><\/h2>\n\n\n\n<p>Continuing the same habits\u2014boosting SIPs, buying dips, and reinvesting dividends\u2014Rajesh\u2019s portfolio ballooned to <strong>\u20b95\u202fcrore<\/strong> by mid\u20112025, matching the story reported by The Economic Times . His key lessons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consistency Trumps Timing:<\/strong> SIPs require no market calls.<br><\/li>\n\n\n\n<li><strong>Embrace Volatility:<\/strong> Dips are your friend, not your foe.<br><\/li>\n\n\n\n<li><strong>Automate &amp; Forget:<\/strong> Automation prevents emotional errors.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>10. Lessons Learned &amp; How You Can Start Today<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Principle<\/strong><\/td><td><strong>Action Step<\/strong><\/td><\/tr><tr><td><strong>Pay Yourself First<\/strong><\/td><td>Automate 20\u201330% of your salary into savings\/investments before spending a rupee.<\/td><\/tr><tr><td><strong>Build an Emergency Fund<\/strong><\/td><td>Save 6\u202fmonths\u2019 expenses in ultra\u2011short debt or sweep\u2011in FDs.<\/td><\/tr><tr><td><strong>Systematic Investing<\/strong><\/td><td>Start SIPs\u2014even \u20b91,000\/month\u2014in diversified equity funds and increase contributions annually.<\/td><\/tr><tr><td><strong>Dip Buying<\/strong><\/td><td>Keep a small \u201cdip budget\u201d and invest lump sums when markets fall \u226510%.<\/td><\/tr><tr><td><strong>Diversify Smartly<\/strong><\/td><td>Add PPF, gold, REITs, and international funds for balanced growth and protection.<\/td><\/tr><tr><td><strong>Rebalance &amp; Review<\/strong><\/td><td>Check your portfolio quarterly and rebalance if any asset deviates &gt;5% from target allocation.<\/td><\/tr><tr><td><strong>Stay the Course<\/strong><\/td><td>Ignore media panic; focus on your long\u2011term plan and let compounding do its work.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Epilogue: From Inspiration to Action<\/strong><\/h2>\n\n\n\n<p>Rajesh\u2019s journey\u2014from \u20b925,000\/month to <strong>\u20b95\u202fcrore<\/strong> in 11\u202fyears\u2014is not a fairy tale. It\u2019s a blueprint any disciplined saver can follow, even in turbulent times. With inflation at <strong>2.82%<\/strong>, record SIP inflows, and home loan rates near <strong>7.5%<\/strong>, today\u2019s environment rewards systematic, patient investing more than ever .<\/p>\n\n\n\n<p>Your move: choose one principle above, implement it this week, and watch how small, consistent actions become life\u2011changing results. Because this story can be yours\u2014if you start today.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We all dream of breaking free from paycheck\u2011to\u2011paycheck living, yet few believe it\u2019s possible on a modest income. Today, India\u2019s retail inflation has eased to a six\u2011year low of 2.82%, creating breathing room for savers . Meanwhile, disciplined investors poured a record \u20b926,688\u202fcrore into SIPs in May\u202f2025, underscoring the power of systematic investing . Against this backdrop of lower prices and booming SIP flows, comes a story that will move you\u2014a tale of grit, discipline, and compounding that transformed a \u20b925,000 monthly salary into a \u20b95\u202fcrore net worth in just 11\u202fyears . 1. Meet Rajesh: From Ordinary Paycheck to Extraordinary Corpus In 2014, Rajesh\u2014a mid\u2011level manager in a small manufacturing firm in Pune\u2014earned a take\u2011home salary of \u20b925,000 per month. No inheritance, no windfall, only a middle\u2011class upbringing and a fierce desire to secure his family\u2019s future. His goals: With essentials like rent, utilities, and groceries eating up nearly 80% of his income, Rajesh knew the odds were stacked against him. Yet, he chose not to play the victim\u2014he took control. 2. The Wake\u2011Up Call: Why Discipline Beats Luck 2014\u201315 was marked by rising fuel prices and stubborn inflation near 5%, with RBI repo at 8%\u2014a tough environment for savers. Rajesh realized that without a plan, his savings would simply disappear under the inflationary tide. He asked himself: \u201cHow can I build wealth when my salary barely grows and prices keep rising?\u201d The answer lay in two simple truths: With these mantras, Rajesh set out to build his plan. 3. Step\u202f1: Nail Down a Bulletproof Budget Rule: Track every rupee for 3\u202fmonths to identify waste. He used a simple spreadsheet and a free app to categorize expenses weekly, cutting non\u2011essentials like unused subscriptions and habitual coffee runs. Within two months, his savings rate jumped to 30% of income\u2014an achievement that set the stage for compounding magic. 4. Step\u202f2: Build an Emergency Shield Before chasing big returns, Rajesh kept 6\u202fmonths\u2019 expenses (~\u20b990,000) in a liquid fund: This buffer ensured he never had to raid his growth investments during crises, allowing him to stay invested through market swings. 5. Step\u202f3: Leverage the SIP Advantage With bank FDs earning just 6\u20137% and inflation hovering around 5%, Rajesh chose equity mutual funds via Systematic Investment Plans (SIPs): He started with \u20b95,000\/month in 2014, increasing the SIP by 10% annually with each salary hike. By May\u202f2025, his SIPs alone had contributed over \u20b912\u202flakh, but market gains had swelled that to \u20b92.3\u202fcrore, at an average CAGR of ~15%\u2014a powerful testament to compounding . 6. Step\u202f4: Add Lump\u2011Sum Boosts on Market Dips Rajesh tracked the India VIX to gauge volatility. During the COVID\u201119 crash in March\u202f2020, when markets plunged nearly 38%, he topped up with a \u20b91\u202flakh lump sum, capitalizing on rock\u2011bottom valuations. This single act added \u20b92.7\u202fcrore to his portfolio by mid\u20112025\u2014proof that disciplined dip\u2011buying compounds returns dramatically. 7. Step\u202f5: Diversify Beyond Equity As his portfolio grew, Rajesh diversified: This mix balanced growth and safety, preserving capital during equity stress. 8. The Breakthrough: Hitting \u20b91\u202fCrore in 8\u202fYears By early 2022\u2014just 8\u202fyears in\u2014Rajesh\u2019s disciplined approach crossed the \u20b91\u202fcrore mark. He\u2019d: This milestone transformed his mindset: wealth creation was not only possible on a modest income\u2014it was inevitable with discipline. 9. Crossing \u20b95\u202fCrore in 11\u202fYears Continuing the same habits\u2014boosting SIPs, buying dips, and reinvesting dividends\u2014Rajesh\u2019s portfolio ballooned to \u20b95\u202fcrore by mid\u20112025, matching the story reported by The Economic Times . His key lessons: 10. Lessons Learned &amp; How You Can Start Today Principle Action Step Pay Yourself First Automate 20\u201330% of your salary into savings\/investments before spending a rupee. Build an Emergency Fund Save 6\u202fmonths\u2019 expenses in ultra\u2011short debt or sweep\u2011in FDs. Systematic Investing Start SIPs\u2014even \u20b91,000\/month\u2014in diversified equity funds and increase contributions annually. Dip Buying Keep a small \u201cdip budget\u201d and invest lump sums when markets fall \u226510%. Diversify Smartly Add PPF, gold, REITs, and international funds for balanced growth and protection. Rebalance &amp; Review Check your portfolio quarterly and rebalance if any asset deviates &gt;5% from target allocation. Stay the Course Ignore media panic; focus on your long\u2011term plan and let compounding do its work. Epilogue: From Inspiration to Action Rajesh\u2019s journey\u2014from \u20b925,000\/month to \u20b95\u202fcrore in 11\u202fyears\u2014is not a fairy tale. It\u2019s a blueprint any disciplined saver can follow, even in turbulent times. With inflation at 2.82%, record SIP inflows, and home loan rates near 7.5%, today\u2019s environment rewards systematic, patient investing more than ever . Your move: choose one principle above, implement it this week, and watch how small, consistent actions become life\u2011changing results. Because this story can be yours\u2014if you start today. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1286","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1286"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1286\/revisions"}],"predecessor-version":[{"id":1300,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1286\/revisions\/1300"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}