Do you have 10,000 Taka in your pocket? And in your heart, do you hold a big dream—that one day you will own a resort, have a car and a house, or become a major businessman in the country?
Most people will say, “You can’t even buy a decent pair of shoes for 10,000 Taka nowadays, and you’re dreaming of business!” But I will say, for dreaming, courage in your heart and the right method are more important than money in the pocket. Today’s blog is for those who want to build an empire step-by-step from zero.
Today we will talk about a ‘Masterplan’ where you start with digital skills, invest in a ‘Toto’ (E-rickshaw) midway, and finally become the owner of your dream resort.
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Let’s begin the journey.
Note: “I am writing this based on the true experience of a neighbor of mine. Starting as a jackfruit and lychee seller, he accumulated over 1-2 crore rupees and successfully built a brick kiln, though his business is currently facing a bit of a downturn. A well-wisher of his also shared a lot with me about his journey. Additionally, this content was crafted by drawing from the mindsets of multi-millionaires and billionaires, as well as their journeys from zero to hero.”
Step 1: ‘Active Income‘ or Building a Money Machine
(Timeline: 0 – 12 Months | Target Income: 50,000 Taka per month)
To build a resort, you first need to create cash flow. Earning money by selling your skills instead of asking your father is called ‘Active Income’. For Rs 10,000 there is probably no better option.
1. What is the business? (Local Digital Agency) Let’s forget about Fiverr or Upwork. Your business will be in your own city or area. Local sweet shops, clothing showrooms, parlors, or gyms—they all want to increase business on Facebook, but they don’t know how. You will do this for them.
2. 10,000 Taka Budget Breakdown:
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Internet Connection (6 months): 3,000 Taka.
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Canva Pro Subscription: 1,000 – 1,500 Taka (for a year).
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Branding (Visiting cards & travel): 2,000 Taka.
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Cash in Hand (Emergency): 3,500 Taka.
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Office? Not needed. Your bedroom or the roof of your house is your office.
3. The Math for 50,000 Taka Monthly Income: Initially, no one will give you work. Do work for 2-3 shops for free or very little money. Bring them results. Then show that portfolio to catch new clients.
Charge 5,000 Taka to manage each client’s page (Post design, captions, message replies).
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It might take 6-8 months to get 10 clients.
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10 Clients x 5,000 Taka = 50,000 Taka per month.
Tip: When you have 10 clients, hire a college student as an assistant for 10,000 Taka to do the designs. You just finalize the deals.
Step 2: Smart Investment or ‘Passive Income‘
(Timeline: 1 – 2 Years | Target: Savings & Asset Creation)
Most young people make a mistake at this stage. When 50,000 Taka starts coming in monthly, they buy expensive bikes or iPhones. But remember, your goal is not to ‘Show-off’, your goal is to build a ‘Resort’.
You have to save money. If you earn 50k, live on 20k, and deposit 30k into a Business Fund.
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Saved in 10 months: 3,00,000 (Three Lakh) Taka.
What to do with this 3 Lakh Taka? (The Toto Strategy) You have to put money where it comes back even if you don’t work. This is called ‘Passive Income’.
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The Plan: You need to find multiple income sources to increase your money. If you think you will hoard money and then do it, listen—the value of money decreases automatically [e.g., a ball costing 100 Taka in 2018 might cost 200 Taka in 2026]. To earn a lot, you need income from multiple places. And time is important; don’t waste even 1 second.
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Buy a new or good condition Toto (E-rickshaw) with your saved 2-3 Lakh Taka.
Operation Plan:
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You will not drive the Toto yourself. Give it to a trusted unemployed youth in the area or someone known.
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Contract: “The vehicle is mine, labor is yours. Whatever you earn all day is yours, just give me 100 Taka at the end of the day as rent. And charging plus minor maintenance costs are yours.”
Profit Calculation:
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Daily Income: 100 Taka.
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Monthly Income: 3,000 Taka.
Why do this? You might think 3,000 Taka a month is very little. But understand the logic:
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You aren’t spending even 1 minute for this income. A powerful mindset always considers the long-term effect.
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Where you earn 3,000 a month, the annual income is 36,000 Taka.
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In 2 years, the Toto will bring 72,000 Taka.
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Most importantly, your capital asset of 3 Lakh (The Toto) remains with you, which you can sell and cash out anytime.
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Later, buy one or two more Totos. More income will come. Or you can say income will be 3x.
Step 3: Realizing the Dream (The Resort Project)
(Timeline: After 3 – 4 Years | In Hand: 10-12 Lakh Taka)
After 3 years you will have:
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Money saved from the Digital Agency.
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Money saved from the Totos.
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Totaling about 10-12 Lakh Taka liquid cash. Now you are ready.
1. Leasing Land (Leasing Model) No need to buy land for crores. Lease 10-15 kathas of land or a farmhouse a bit away from the city, in a quiet village or by a river.
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For a 10-year lease, you might have to pay 3-4 Lakh Taka advance (Salami).
2. Building the Resort (The Silent Sanctuary) Start construction with the remaining 6-7 Lakh Taka. Not brick and stone buildings, build eco-friendly ‘Eco-Cottages’.
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Bamboo, wood, straw for 3-4 beautiful cottages.
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A mud kitchen (where guests will cook—this can be unique).
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A beautiful garden.
3. Connect Everything (The Masterstroke) Here your previous steps will work like magic:
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Marketing: Use your Digital Agency skills to make resort videos that are bound to go viral. Marketing cost is zero!
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Transport: Use that ‘Toto’ for the resort now. It will take guests to tour nearby natural spots for free.
The Reality Check – What No One Will Tell You
Reading this might make you think, “Wow! So simple?” No, friend. The path is not simple at all. There will be many thorns on the road:
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Test of Patience: You won’t get clients for the first 2-3 months. You’ll feel like giving up. Surviving then is the real war.
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Toto Driver’s Honesty: The person you trust with the vehicle might not pay the 100 Taka one day, or ruin the battery. You need to install a GPS tracker and keep a strict watch.
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Sacrifice: When friends go on tours, buy expensive bikes—you have to grit your teeth and save money. Not everyone has the strength to endure this mental pain.
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Local Politics: Launching a resort or Toto might cause minor local trouble. Handle them with intelligence and sweet behavior.
Final Words
10,000 Taka is not a huge amount. But if you skip a biryani today with this 10,000 Taka and do an online course or start a business—you can’t even imagine where you will be 5 years later.
It starts with 10,000 Taka, moves on the wheels of a Toto, and ends on the balcony of your own resort. And after that, moving forward step-by-step or starting your own brand, you could become a Multimillionaire & Billionaire.
Do not do anything in a rush just by reading this article; think about the matter well and do everything according to your situation. Learn more good things. Dream, but keep your feet on the ground. Just start.