Techie earning Rs 2.8 lakh per month, struggles with minimal savings: ‘High income doesn’t mean…’

High income is sadly, not always equivalent to financial freedom. A post on how a tech professional, earning Rs 40 lakh per annum, was struggling to have semi-decent monthly savings. Taking to X, a user named Sakshi Sachan shared an anecdote about a 33-year-old techie, who was earning a lucrative salary of Rs 40 lakh per year, with an in-hand salary of Rs 2.8 lakh, yet was overburdened by EMIs, his savings next to nothing.

Sachan wrote: “Bought a ₹2Cr flat with a massive home loan.
EMI: ₹1.5L/month
Car EMI: ₹25K

Monthly expenses: ₹75K

After earning well above average, savings still remain minimal…” she wrote.

Sharing the story, she explained how even people in the very high/enviable income bracket, rarely got to experience true financial freedom. They may get entangled with various financial liabilities which eat away a good chunk of their income.

Responding to the tweet, one X user wrote: “A high salary can make you look rich. Cash flow decides whether you actually are.
Many people upgrade lifestyle faster than they build assets — and slowly become prisoners of their own income…”

Another commented: “Sacrificing Cash flow is the most foolish thing you can do to yourself. Protect your cash flow. EMI should not be above 35% of your monthly income.”