Earning a high salary doesn’t make you wealthy — and could actually be keeping you poor. That’s the bold warning from CFA Himanshu Pandya, who says India’s highest earners are stuck in a trap that drains their wealth potential through taxes, lifestyle inflation, and poor financial structuring.

“You have the multinational job, the impressive CTC, and the bonus. By conventional standards, you are winning,” Pandya wrote in a viral LinkedIn post. “But here’s the unsettling truth: high income is not the same as high wealth.” Advertisement

At the heart of his argument is the idea that the government becomes your biggest financial partner once you hit India’s top tax bracket. Most high earners, Pandya says, become passive consumers of salary rather than architects of wealth.

Meanwhile, the tr

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