After 22 years of hard work, a 45-year-old professional sat on Rs 32 lakh in savings and an untouched Employees’ Provident Fund (EPF) balance. He also had multiple insurance policies — none designed to create wealth. His investments? Zero. Not a single rupee working for him.

When he met CA Nitin Kaushik, he quietly admitted, “I always thought I had time.” It’s a line Kaushik says he has heard too many times in his financial advisory career — people who didn’t make poor choices, but simply made no choices at all. Advertisement

Kaushik’s viral post on X (formerly Twitter) uses this real-life example to highlight a painful truth: saving money is not the same as growing it. “Saving feels responsible — and it is,” he wrote. “But saving alone is a silent form of financial decay. Inflation eat

See Full Page