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SAVINGS VS SALARY
Wedding bells or career leap? Gurgaon techie weighs ₹13 LPA vs ₹25 LPA Bengaluru offer, see how internet reactedA Gurgaon-based software engineer is seeking advice on a significant career decision: accepting a ₹25 LPA offer in Bengaluru or staying at ...- ₹28 LPA in Bengaluru beats $60,000 in the US? Here's why Indian professional is considering moving back homeA young Indian professional, after a year-long job hunt in the US, faces a dilemma: a ₹28 LPA offer in Bengaluru or continuing his career i...
- Rs 20k SIP in risky instrument with high return or Rs 27k SIP in less-risky option? The math of investing more vs chasing higher returnsChasing higher returns is a good aim to have. But it’s not as easy as it looks. Having a year or two of above-average returns is easy actua...
- 'Cash flow is not optional': CA shares real estate lessons that can change how you think about moneyFinancial educator Nitin Kaushik emphasizes that real estate investing's core lessons lie in cash flow, discipline, and risk management, no...
- Pension is salary, family pension is not: Key tax rules pensioners must know before filing ITR for AY 2026-27Pension and family pension are taxed differently under the Income-Tax Act, yet many taxpayers continue to confuse the two while filing retu...
- Why Rs 40 LPA earners don’t feel richer than Rs 20 LPA earners. CA explains the hidden reasonHigh salaries do not always bring financial peace. Chartered Accountant Nitin Kaushik explains how lifestyle inflation traps urban professi...
- Your monthly spend also decides how soon you can retire: Expense tracking apps, AI tools are changing how Indians investExpense-tracking apps, spreadsheets, Artificial Intelligence (AI) -generated analysis, and budgeting dashboards are not merely bookkeeping ...
- Quit metro life for a smaller city? Here’s the real money math Indians must check before movingMany are trading metro life for tier 2 cities, seeking better quality of life, cleaner environments, and reduced stress. While income may f...
- Techie earning Rs 2.8 lakh per month, struggles with minimal savings: ‘High income doesn’t mean…’A tech professional earning Rs 40 lakh annually struggles with minimal savings due to significant EMIs on a Rs 2 crore flat and a car, alon...
- Can Rs 10 lakh in post office FD and Rs 10,000/month in RD build Rs 1 crore retirement corpus in 20 years?Interest rates may vary. If we talk about the post office, it offers a 6.7% interest rate on its RD, while its rate for the 5-year FD is 7....
- Rs 30 LPA earner can be poorer than Rs 10 LPA one: CA explains the math of 'high income trap' that eats up your wealthA chartered accountant’s viral thread explains why earning a high salary does not always lead to real wealth. He points out that as income ...
- Old vs new tax regime: Key differences that you must know before ITR filing for tax year 2026-27The new tax regime offers lower rates but removes many deductions, making a thorough comparison with the old regime crucial. While both reg...
- Rs 1.55 lakh monthly income, but only Rs 5000 saved: CA explains the visibility vs spending gap that causes low savings anxietyA Bengaluru-based CA has sparked discussion after responding to a Reddit post of a 29-year-old earning ₹1.55 lakh per month but saving only...
- Noida techie earning Rs 12 LPA asks ChatGPT when he can get married? AI replies 'Year 1 tight, Year 2 tight, Year 3 comfortable'A Noida-based techie earning Rs 12 LPA asked AI when he could get married comfortably after sharing his full expense and savings details. B...
- Is Rs 100 crore retirement plan possible? CA exposes why middle class people feel poor despite good money managementCA Nitin Kaushik criticises the popular ₹100 crore retirement narrative, calling it unrealistic and misleading for the average Indian. He a...
- Can Rs 1.5 lakh monthly salary afford to buy a home? 30-year-old with Rs 22 lakh savings reopens rent vs buying debateA 30-year-old woman earning Rs 1.5 lakh per month and holding savings of over Rs 22 lakh has sparked an online discussion after questioning...
- Can you fulfil your study abroad dream without going broke? Here are 7 ways to minimise costsStudying abroad involves more than just academic merit; it's a significant financial investment. Indian students often underestimate hidden...
- Bengaluru cost of living exposed by JPMorgan Chase techie. Watch viral videoA viral Instagram video by a 23-year-old JPMorgan Chase engineer in Bengaluru has sparked discussions about the rising cost of living. Her ...
- Rs 1 lakh salary, Rs 20k left in 10 days? CA warns of the silent salary trapMany urban professionals earn high salaries but struggle with savings. A chartered accountant highlights a silent salary trap. Fixed expens...
- From Rs 6.8 lakh to Rs 4.5 lakh: Redditor explains how to save Rs 2.3 lakh in income tax in a year legallyA Redditor demonstrated significant income tax savings under the new regime by strategically restructuring their salary with components lik...
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