Many people believe they will start saving seriously once they earn a higher salary. But CA Abhishek Walia, co-founder of Zactor Money, says this is one of the biggest myths. The truth is simple:
“If you cannot save at Rs 50,000/monthyou won’t magically start saving at Rs 1,50,000/month,’ he wrote.
This idea challenges a common belief that future promotions, increments or a higher salary will solve money problems. Walia argues that savings grow from better planning and clearer priorities, not from bigger pay cheques.
According to Walia, After that, people return to old spending habits. This is why he stresses the importance of building discipline early.
“Bonuses will feel exciting for a week and disappear just as fast. But your habits? They only change with intent,” he says.
Many end up upgrading phones, holidays, furniture or even rent. Each upgrade pushes savings further down the list. This slow rise in lifestyle costs is what keeps many people stuck at the same financial level for years.
On the contrary, wealth is not built by simply waiting for the “right time” or “better income.” It is built when people decide to take control of their money today.
Walia also highlights another truth: trying to look richer is one of the fastest ways to stay financially unstable. Instead, he recommends focusing on financial safety, long-term planning and mindful spending.
“You can’t build wealth by chasing a richer version of the same lifestyle. You build it by choosing security before status,” he says.
Many people wait for life to “settle” before taking saving seriously. Walia clearly disagrees with this mindset. “Wealth isn’t built when you get rich. It’s built when you decide to be.”
He emphasises that this decision cannot be postponed to next year, the next job or the next salary revision.
He concluded his post by saying, “It starts the moment you stop waiting for a higher income to respect the income you already have.”
Meanwhile, for young professionals trying to find a balance between lifestyle, goals and rising costs, his advice brings the spotlight back to what truly matters — discipline, intention and smart money choices.
The sooner one starts, the stronger the foundation becomes.