In India, many individuals struggle with managing their personal finances effectively. While income levels have risen over the years, a majority of people still miss out on building substantial wealth due to a common money trap, warns Chartered Accountant Nitin Kaushik. According to Kaushik, this is not about fraud or Ponzi schemes, but a behavioral pattern he calls “India’s biggest financial scam.”
Chartered Accountant Nitin Kaushik recently highlighted this issue on X, explaining the problem in simple terms: “Bro, I’ll start investing next month.” Next month never comes,” he emphasizes, explaining that procrastination in starting investments leads to missed opportunities for compounding wealth over the long term.
Financial experts agree that delaying even small investments can significantly reduce future returns. The power of compounding grows with time, and postponement—even by a few months—can lead to substantial losses over decades.
Discipline Over Incom
Another key insight shared by Kaushik focuses on the difference between income and financial discipline. He illustrates this with a simple comparison: “Someone earning ₹50k and investing ₹5k every month → richer than someone earning ₹2L and spending ₹2L.”
The message is clear: consistent saving and disciplined investment matter more than a high income. Kaushik stresses that building wealth is less about how much you earn and more about how you manage your money regularly. Financial discipline, even at a modest scale, compounds into substantial wealth over time.
Practical Steps to Avoid the Trap
Experts recommend starting with small, regular investments rather than waiting for a “perfect” time. Automated savings through SIPs (Systematic Investment Plans), recurring deposits, or mutual fund investments can help create a consistent habit. Kaushik’s advice highlights that even modest monthly investments, if started early, can outperform sporadic large investments later in life.
He also emphasizes awareness: recognizing the pattern of delaying financial planning is the first step toward breaking the cycle. “Income looks great, but discipline builds wealth,” Kaushik reiterates, urging young professionals and salaried individuals to take control of their finances today rather than postponing it indefinitely.
Chartered Accountant Nitin Kaushik recently highlighted this issue on X, explaining the problem in simple terms: “Bro, I’ll start investing next month.” Next month never comes,” he emphasizes, explaining that procrastination in starting investments leads to missed opportunities for compounding wealth over the long term.
Financial experts agree that delaying even small investments can significantly reduce future returns. The power of compounding grows with time, and postponement—even by a few months—can lead to substantial losses over decades.
India’s biggest financial scam: “Bro, I’ll start investing next month.”
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) October 25, 2025
Next month never comes.#stockmarketcrash #FinanceTips #investing
Discipline Over Incom
Another key insight shared by Kaushik focuses on the difference between income and financial discipline. He illustrates this with a simple comparison: “Someone earning ₹50k and investing ₹5k every month → richer than someone earning ₹2L and spending ₹2L.”
The message is clear: consistent saving and disciplined investment matter more than a high income. Kaushik stresses that building wealth is less about how much you earn and more about how you manage your money regularly. Financial discipline, even at a modest scale, compounds into substantial wealth over time.
Practical Steps to Avoid the Trap
Experts recommend starting with small, regular investments rather than waiting for a “perfect” time. Automated savings through SIPs (Systematic Investment Plans), recurring deposits, or mutual fund investments can help create a consistent habit. Kaushik’s advice highlights that even modest monthly investments, if started early, can outperform sporadic large investments later in life.
Someone earning ₹50k and investing ₹5k every month
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) October 25, 2025
→ richer than someone earning ₹2L and spending ₹2L.
Income looks great, but discipline builds wealth.#stockmarketcrash #FinanceTips #investing
He also emphasizes awareness: recognizing the pattern of delaying financial planning is the first step toward breaking the cycle. “Income looks great, but discipline builds wealth,” Kaushik reiterates, urging young professionals and salaried individuals to take control of their finances today rather than postponing it indefinitely.
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