Feeling broke even with a decent paycheck? You’re not alone. Many of us think a higher salary equals instant financial freedom—but the truth is, most people are trapped in the sneaky “income vs lifestyle” cycle. You earn more, but somehow, your wallet still screams empty. It’s not your salary holding you back—it’s your habits. CA Nitin Kaushik breaks down how the rich get richer quietly, while the rest just hustle harder for the same stress.
Most people fall into this trap without even realising it. Here's the income vs lifestyle trap, according to the CA-
•Rs 60K salary? Spending Rs 50K
•Rs 80K salary? Spending Rs 80K
•Rs 1 Lakh salary? Spending Rs 1 Lakh
•Rs 1.5 Lakh salary? Upgraded car, upgraded EMI, upgraded everything
Result? Different salary slips, same money stress. No investments, no savings, no freedom.
The solution, as per the CA, is simpler than it sounds. His first advice is to grow your income, followed by resisting lifestyle inflation. His final advice is to invest the difference between the two for future savings. He added in his tweet that the secret sauce of true wealth is to earn Rs 1.5 Lakh, live like you earn Rs 50K, invest the rest, and watch stress-free freedom roll in. Forget flexing—start investing quietly, and let your money work while you live your life.
CA Nitin Kaushik, in a separate tweet, warned, "your salary won’t save you.” Even with a 10% yearly raise, he pointed out that the pay only doubles in about seven years—but living costs keep rising 6–7% annually. That means the real purchasing power barely moves, and just sticking to the job keeps one chasing expenses forever. The key? Spending around 20% of one's time on things that can multiply growth—side skills, investments, passion projects, or business ideas. While the job pays the bills, your dreams will build wealth. He advised treating your salary as the base, not the finish line.
Most people fall into this trap without even realising it. Here's the income vs lifestyle trap, according to the CA-
•Rs 60K salary? Spending Rs 50K
•Rs 80K salary? Spending Rs 80K
•Rs 1 Lakh salary? Spending Rs 1 Lakh
•Rs 1.5 Lakh salary? Upgraded car, upgraded EMI, upgraded everything
Result? Different salary slips, same money stress. No investments, no savings, no freedom.
The solution, as per the CA, is simpler than it sounds. His first advice is to grow your income, followed by resisting lifestyle inflation. His final advice is to invest the difference between the two for future savings. He added in his tweet that the secret sauce of true wealth is to earn Rs 1.5 Lakh, live like you earn Rs 50K, invest the rest, and watch stress-free freedom roll in. Forget flexing—start investing quietly, and let your money work while you live your life.
💥 “High Income But Still Broke? The Harsh Truth No One Tells You!” 💸
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) September 28, 2025
It’s not your salary… It’s your habits that decide your wealth. Most people fall into this income trap 👇
🔧 Income vs Lifestyle Trap:
•₹60K Salary? Spending ₹50K
•₹80K Salary? Spending ₹80K
•₹1…
CA Nitin Kaushik, in a separate tweet, warned, "your salary won’t save you.” Even with a 10% yearly raise, he pointed out that the pay only doubles in about seven years—but living costs keep rising 6–7% annually. That means the real purchasing power barely moves, and just sticking to the job keeps one chasing expenses forever. The key? Spending around 20% of one's time on things that can multiply growth—side skills, investments, passion projects, or business ideas. While the job pays the bills, your dreams will build wealth. He advised treating your salary as the base, not the finish line.
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