Am I pushing it too much ?
I'm a software engineer in my mid-20s, unmarried, earning around ₹1.2L in hand every month.
This is roughly how I allocate my salary:
- ~₹55–60k: Mutual funds
- ₹5k: Post Office RD
- ₹4k: Meal card
- ₹10k: Rent
- ₹10k: Support for my parents (my dad is still working, so this is more of a contribution than a necessity)
- ₹7k: Bike EMI
The remaining ~₹25k covers all my other expenses and anything I want to buy.
The thing is, I've always been focused on saving and investing because I want to reach a net worth of ₹1 crore as early as possible. But lately I've started wondering whether I'm delaying too much enjoyment in the present for a future milestone.
I often hesitate to spend money even on things I can comfortably afford because it feels like I'm slowing down that goal.
For those who have been through a similar phase, how do you balance building wealth with actually enjoying life? Did your mindset change after reaching certain financial milestones?