Most people believe that the bigger your paycheck, the more financially secure you’ll be. But Chartered Accountant Nitin Kaushik says that’s not always true. In fact, he argues that someone earning Rs 50,000 a month could end up more financially stable than a person raking in Rs 5 lakh. The reason? Discipline and contentment matter far more than income figures, and without them, even the fattest salary can vanish into thin air.
Kaushik took to X to share what he calls the harsh truth about wealth. He explained that it’s not the man who earns less who is poor, but the one who never feels satisfied with what he has. Craving more and spending without control will leave you feeling broke, no matter how high your income climbs.
Breaking it down with examples, he wrote that a person earning Rs 50,000 a month but saving and investing 20 per cent consistently could feel financially secure in just 10 years. On the other hand, someone making Rs 5 lakh but spending every rupee will always be chasing stability they never actually achieve.
To drive the point home, Kaushik shared a simple “fun fact.” Even if you start small, say with a Rs 10,000 monthly SIP at 12 per cent CAGR, you could end up with more than Rs 70 lakh in 20 years. That’s the magic of compounding combined with the right mindset.
His takeaway is blunt but practical: before asking “How can I earn more?” ask yourself, “Am I maximising what I already have?” According to him, real wealth doesn’t begin with more income—it begins with the power of contentment, discipline, and making your money work for you.
Kaushik took to X to share what he calls the harsh truth about wealth. He explained that it’s not the man who earns less who is poor, but the one who never feels satisfied with what he has. Craving more and spending without control will leave you feeling broke, no matter how high your income climbs.
Breaking it down with examples, he wrote that a person earning Rs 50,000 a month but saving and investing 20 per cent consistently could feel financially secure in just 10 years. On the other hand, someone making Rs 5 lakh but spending every rupee will always be chasing stability they never actually achieve.
To drive the point home, Kaushik shared a simple “fun fact.” Even if you start small, say with a Rs 10,000 monthly SIP at 12 per cent CAGR, you could end up with more than Rs 70 lakh in 20 years. That’s the magic of compounding combined with the right mindset.
💡 The Harsh Truth About Wealth
— CA Nitin Kaushik (@Finance_Bareek) August 31, 2025
It’s not the man who has too little that is poor.
It’s the man who keeps craving more that never feels rich.
Why? Let’s connect this with money 👇
1️⃣ A person earning ₹50k but saving & investing 20% monthly will feel financially secure in 10…
His takeaway is blunt but practical: before asking “How can I earn more?” ask yourself, “Am I maximising what I already have?” According to him, real wealth doesn’t begin with more income—it begins with the power of contentment, discipline, and making your money work for you.
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