Money is more than just currency—it’s a mirror of our habits, emotions, and priorities. While financial success often looks like a number in your bank account, true financial health lies in the confidence and control you have over your money. Chartered Accountant Nitin Kaushik recently broke this down in a viral post on X (formerly Twitter), outlining the five levels of financial health—from surviving to freedom—and how anyone can move up the ladder. Advertisement

Level 1: Living paycheck to paycheck

At this stage, survival dominates every decision. Salaries vanish within days of being credited, and debt becomes a lifeline. “Your credit cards or loans cover the gaps, and thinking about money triggers anxiety,” says Kaushik.

Key signs: no emergency fund, high credit card dues, and no cl

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