When most of us start earning, money feels exciting. First salary, first trips, first big purchases—it feels like freedom. But there’s one mistake almost everyone makes in their 20s and 30s:
Delaying investing.
Why Waiting Costs More Than Spending
People think, “I’ll start investing when I earn more.”
But the truth is, the earlier you start, the less you need to invest to build wealth.
For example:
If you invest ₹5,000/month at age 25 and stop after 10 years, you’ll still have more at retirement than someone who starts at 35 and invests the same amount till 60. That’s the power of compounding—time matters more than money.
What You Can Do Today
Start small—amount doesn’t matter, habit does. Automate it—make investments happen without thinking. Focus on consistency, not perfection.
Final Thought
Spending feels good today, but investing feels great tomorrow.
Your future self will thank you for every rupee you start putting to work now.