05 Million To Build A Tech-Driven Platform Providing End-To-End Assistance To Solo Financial Advisors
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What does it really take to build not just one—but multiple successful startups? For Ritik Malhotra, the answer isn’t just about intelligence, timing, or even luck; it’s about process, resilience, and an obsession with building.
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What does it really take to build not just one—but multiple successful startups? For Ritik Malhotra, the answer isn’t just about intelligence, timing, or even luck; it’s about process, resilience, and an obsession with building.
From making money online as a kid to dropping out of UC Berkeley to facing 130+ investor rejections and building and exiting multiple companies, his journey is less about overnight success and more about compounding lessons over time.
In this riveting interview, Ritik talks in detail about how the startup-building ecosystem evolved from the time he built his first venture to when he started his current company, Savvy Wealth. He describes the inflection points centering on the product-market fit, team building, and maintaining momentum.
Listen to the full podcast episode and review the transcript here.
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The Early Spark: Falling in Love With Building
Ritik’s story starts in the Bay Area during the 90s—arguably one of the most formative environments for a future founder. Growing up in the 90s during the incredible explosion of technology, with a father in tech, he didn’t just observe innovation—he lived inside it.
But the real shift happened when Ritik discovered something powerful: You can build something on a computer—and someone will pay you for it. As a kid, he spent his time learning to build websites, launching small online businesses, and making real money (enough to help pay for college).
That inner curiosity about being able to do something with just your hands and mind was fascinating, seeing what the output could look like. That loop—build → launch → earn → repeat—became addictive. Not just because of the money, but because of the creative control and feedback loop.
From elementary school through middle school, Ritik had caught the entrepreneurship bug and started thinking about making it his full-time job. The experience of receiving money in his PayPal account from customers for his internet ventures was eye-opening.
Watching his work come to life was a powerful driver for Ritik, and he was convinced there was something there.
Dropping Out of Berkeley: Choosing the Builder Path
Ritik initially followed the expected route—studying Electrical Engineering and Computer Science at UC Berkeley. But something didn’t feel right. He already knew that he could build and monetize startups. He simply enjoyed creating far more than studying.
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