Can’t control spending? CA suggests one simple money hack to outsmart your impulses

Overspending is a struggle millions face, but CA Nitin Kaushik argues that willpower alone won’t solve the problem. On X, he shared a system that quietly automates savings and keeps your impulses in check. According to him, money that’s harder to access naturally stays invested and out of reach, making your financial future secure without constant self-control. By creating friction between you and your cash, even habitual overspenders can start building wealth consistently.

Kaushik recommends opening a separate investment account and setting up an automatic transfer of around 30% of your income on the day your salary arrives. Choosing investments that aren’t instantly liquid and avoiding checking the balance for 12 months ensures the money stays untouched and compounds quietly.

The logic is simple: when cash isn’t immediately accessible, emotional spending is prevented, and your money starts working for you. Over time, this system makes spending feel intentional, savings automatic, and having full access to all your money almost risk-free.




CA Nitin Kaushik emphasises that discipline alone isn’t enough. Instead, design a system that removes temptation. The payoff is subtle but powerful: after a year, your financial habits shift, and your future self will thank you.

Idle money will fail to grow

CA Abhishek Walia, founder of Zactor Money, emphasises that idle money, no matter how much, fails to grow. Saving without a plan is like effort without progress. His approach focuses on giving every rupee a purpose.

- First, set up an emergency fund to cover unexpected costs, ensuring long-term investments remain untouched.

- Next, allocate money for short-term goals such as vacations, a new car, or home upgrades, placing these funds where they’re safe but still yield modest returns.

-Finally, invest for long-term wealth through mutual funds, equities, or other growth instruments suited to your risk profile.

By structuring money with purpose, savings become active, generating returns and building financial clarity even while you sleep.