Simple Choices, Big Impact: How a ₹90K Earner Got Richer Than a ₹2.5L One
Why Earning More Doesn’t Always Mean Wealth
Many people believe that earning more money means they will be richer. But that’s not always true. Chartered Accountant Abhishek Walia, founder of Zactor Tech, shares that how you manage your money matters more than how much you earn.
A ₹90K earner created more wealth than a ₹2.5L one. Discover the secret to smart money habits and wealth creation through intentional planning.
The ₹90K Earner Who Played It Smart to Got Richer
Walia shared a case of a young professional earning ₹90,000 a month. She had no side income, no big investments, but:
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- No loans or credit card debt
- A 6-month emergency fund
- Monthly SIPs to save for her MBA dream
Even with a modest salary, she had peace of mind and a clear plan for her future.
The ₹2.5 Lakh Earner Who Struggled to Got Richer
Another client earned ₹2.5 lakh per month. Yet, she was always low on money by the end of the month. Why?
- No emergency fund
- No investments
- Spent mostly on luxury, fear of missing out (FOMO), and lifestyle upgrades
She had no financial plan, and that led to stress and instability.
READ MORE: You Won’t Believe What Rs 13 Lakh MF Investment Can Turn Into in 20 Years
What Makes the Difference? Clarity and Purpose
According to Walia, the key is knowing your “why”. The ₹90K earner had a clear goal and plan. The ₹2.5L earner did not. Without a purpose, even a high salary can disappear fast.
Wealth Is What You Keep, Not What You Earn
Walia says, “People think a big paycheck means success. But real wealth is what you save and grow.” If you don’t manage your money wisely, even ₹2 lakh can be gone before the month ends.
Build Wealth with Intention, Not Just More Income
Walia warns against always chasing more money. “We live in a world obsessed with earning more,” he says. But real wealth starts with clear goals and smart decisions.
Ask the Right Question to Got Richer
Instead of asking:
“How do I earn more?”
Ask:
“Am I making good use of what I already have?”
That small change in thinking can lead to a more secure and stress-free financial life.
Disclaimer: This is not financial or investment advice. Please conduct your own due diligence or seek expert guidance for financial planning.
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