Stop blaming your lifestyle: CA points out how just with one change you can save Rs 92 lakh

We often blame luxury cars, fancy holidays, and weekend splurges for draining our savings, but the real culprit might be something else entirely — our short-term mindset. As CA Abhishek Walia, founder of Zactor, pointed out on LinkedIn, most people lose money not because they spend too much, but because they start too late, stop too soon, or expect instant results. The tendency to delay investments, skip SIPs when the month feels tight, or panic-sell when markets dip quietly kills the magic of compounding.

Walia shared how a simple delay can make a massive difference. By giving an example, he wrote that investing Rs 10,000 every month for 20 years at 12% can grow to about Rs 92 lakh. But waiting for five years to start would mean that the number drops to Rs 47.5 lakh, and you lose Rs 45 lakh. Those few “I’ll start next month” moments could end up costing nearly half your future wealth. His message is clear — doing nothing can be the costliest mistake of all.

Apart from doing nothing, inconsistency can also slow you down on your journey to achieve financial freedom.
Building wealth isn’t about chasing quick returns; it’s about showing up consistently. And according to CA Nitin Kaushik, that consistency begins with structure. He suggests applying the 50-30-20 rule — 50% of income for needs, 30% for wants, and 20% for savings and investments. It’s a simple but powerful framework to build money discipline.


Kaushik adds that those aiming for financial independence often push this further, saving 40%, 50%, or even 60% of their income. It’s not about cutting joy from life but about buying freedom earlier — the kind that lets you choose how to live, work, and spend your time.

Habits of financial maturity

Here's how you can be financially mature about your money, according to CA Nitin Kaushik. Financial maturity isn’t about how much you earn but how you manage it. CA explained that the truly wealthy carry their money with calm confidence. They don’t flaunt financial wins because real investors let compounding speak louder. They set firm boundaries, saying no to poor money habits without guilt, and avoid showing off luxury, knowing peace is the ultimate status symbol.
Kaushik added that financially mature people don’t react to market drama or seek validation from others. They stay patient, consistent, and focused on long-term growth. In his view, wealth isn’t meant to be loud — it’s meant to be steady and composed. Those who understand this never feel the need to prove their success.