In a world where financial goals keep shifting, the question of how much money is truly “enough” continues to puzzle many. Chartered Accountant Nitin Kaushik recently sparked a discussion on X (formerly Twitter) by addressing this mindset that drives people to constantly chase higher income targets without feeling financially secure.
The reality of financial security
Kaushik pointed out that even those earning ₹40–₹50 lakh a year often feel anxious about their finances. He wrote that many people believe they will finally relax once they hit ₹1 crore in annual income, only to find that their goal quietly doubles when they reach it. The issue, he explained, lies not in the amount of money one earns but in how people define their financial satisfaction.
The post reflects a common psychological pattern known as “lifestyle creep,” where increasing income leads to higher spending and elevated expectations. As a result, financial goals keep moving further away, and a sense of stability remains elusive.
‘Enough isn’t a number’
Kaushik emphasized that “enough isn’t a number.” Instead, it represents a state of balance where one’s lifestyle, peace of mind, and cash flow align. He wrote that this balance marks the point when “money stops controlling you — and starts working for you.”
His message suggests that true financial freedom comes not from hitting arbitrary income targets, but from understanding personal needs and creating a sustainable lifestyle that doesn’t depend on constant growth.
The CA’s perspective highlights a key truth often ignored in financial planning — that emotional satisfaction and money management must go hand in hand. For many, wealth accumulation becomes a moving finish line, influenced by comparisons with others or societal pressure. Kaushik’s advice reframes the conversation toward mindful financial living rather than endless accumulation. Personal finance experts often echo this idea, suggesting that people define “enough” by aligning spending with priorities such as health, family, and time freedom.
The reality of financial security
Kaushik pointed out that even those earning ₹40–₹50 lakh a year often feel anxious about their finances. He wrote that many people believe they will finally relax once they hit ₹1 crore in annual income, only to find that their goal quietly doubles when they reach it. The issue, he explained, lies not in the amount of money one earns but in how people define their financial satisfaction.
The post reflects a common psychological pattern known as “lifestyle creep,” where increasing income leads to higher spending and elevated expectations. As a result, financial goals keep moving further away, and a sense of stability remains elusive.
You earn ₹40L–₹50L a year… yet money still feels fragile.
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) October 30, 2025
You think, “Once I hit ₹1Cr, I’ll relax.”
But when you get there, the goal quietly doubles.
Because no one teaches us what “enough” really means — we just keep moving the target.
Truth is, enough isn’t a number.…
‘Enough isn’t a number’
Kaushik emphasized that “enough isn’t a number.” Instead, it represents a state of balance where one’s lifestyle, peace of mind, and cash flow align. He wrote that this balance marks the point when “money stops controlling you — and starts working for you.”
His message suggests that true financial freedom comes not from hitting arbitrary income targets, but from understanding personal needs and creating a sustainable lifestyle that doesn’t depend on constant growth.
The CA’s perspective highlights a key truth often ignored in financial planning — that emotional satisfaction and money management must go hand in hand. For many, wealth accumulation becomes a moving finish line, influenced by comparisons with others or societal pressure. Kaushik’s advice reframes the conversation toward mindful financial living rather than endless accumulation. Personal finance experts often echo this idea, suggesting that people define “enough” by aligning spending with priorities such as health, family, and time freedom.
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