A recent financial insight shared by CA Nitin Kaushik has sparked an important discussion about how well young professionals are really protecting their financial dreams.

In a post on X (formerly Twitter), Kaushik recounted an experience with a 28-year-old software engineer from Bengaluru — an ambitious professional hoping to buy a 1BHK home within five years. On paper, the client was doing everything “right.” He invested ₹30,000 per month — about 40% of his take-home pay — into mutual funds and ETFs, maintained low expenses, and followed a disciplined savings plan. Advertisement

But when Kaushik reviewed his insurance coverage, he found a dangerous gap that could have upended those well-laid plans.

“He had 2-3 term and health policies, all purchased via online portals recommended by

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