The speaker advises Kapil that once debt-free, he should begin investing through SIPs starting between ages 28-29.
"And at that point, Kapil, you will have to start your investment journey where every month, just like today you keep paying off loans to the bank, friend, sister, everyone, similarly you will work for yourself and you will invest whatever you can earn for yourself every month, Rs. 5000, 6000, 7000, through SIP. And even if you start at the age of 28 or 29, it is not too late at all."