In most Indian households, saving is considered a virtue. From a young age, we’re told to avoid debt, stash money in the bank, and feel proud of every fixed deposit. But here’s a reality check: what if you’re saving “right”… and still falling behind?
Sure, FDs and savings accounts feel secure. You can “see” your money, and it’s not exposed to market swings. But what you can’t see is inflation eating away at it slowly. If your FD gives 5% and inflation rises at 6-7%, your purchasing power is shrinking every year.
Looks safe. But is it really?
Saving ≠ Growing
A lot of us save for the sake of it without thinking why we’re saving or what it’s for. But money without direction just sits there. And when a real goal hits like your child’s college, a health emergency, or retirement you realise it’s not enough.
The comfort trap
Many people keep 80–90% of their money in gold or FDs. It feels safe, yes, but it’s also limiting. There’s no growth, no flexibility, and no plan for the long run.
What actually works?
Start asking better questions: “Is my money working for me?” “Am I prepared for inflation?” “Do I have a strategy?”
The truth is: discipline isn’t about hoarding. It’s about building wealth with purpose.
Saving everything won’t secure your future. Planning smartly will.