No stock tips, no shortcuts: Here’s how middle-class Indians can build ₹3

Smart financial planning plays a quiet but powerful role in everyday life. Most money troubles don’t begin with a single disastrous decision but with small, repeated choices — spending a little more with every raise, relying on easy credit, or postponing investing for “later”. Mistakes happen, markets fluctuate, and setbacks are inevitable. But instead of panicking or losing hope, financial stability is often rebuilt the same way it is created: patiently, piece by piece, with consistent habits over time. Advertisement

That message was at the heart of a recent post by chartered accountant and financial educator CA Nitin Kaushik, who took to X (formerly Twitter) to underline what he calls a “simple rule” that could quietly turn millions of ordinary earners into millionaires.

In his post,