Earning Rs 1.

Earning Rs 1.55 lakh monthly but feeling broke? A Bengaluru CA reveals the real issue may not be your income or spending habits, but how you interpret your finances. One professional earning this amount felt financially strained with only Rs 5,000 to Rs 9,000 remaining monthly. However, deeper analysis shows the problem is perspective. Of his Rs 1.48 lakh monthly outflow, Rs 20,000 goes to SIP investments and Rs 70,000 to loan repayments, both building wealth and assets. When these wealth-creation components are separated from routine expenses of Rs 60,000, the financial picture becomes significantly more stable. This distinction between spending and investing is crucial for understanding true financial health.