Earning Rs 20 lakh to Rs 30 lakh in Bengaluru or Gurgaon? CA warns why your savings still look small

CA Nitin Kaushik warns that earning Rs 20 lakh to Rs 30 lakh in Bengaluru or Gurgaon does not guarantee strong savings. He says lifestyle inflation can quickly absorb salary hikes through higher rent, a Rs 50,000 car EMI and increased weekend spending. A 15% raise may therefore make little difference if fixed expenses rise alongside income. Kaushik argues that real wealth comes from protecting the surplus between earnings and expenses, rather than simply increasing CTC.

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