source avatarCA Nitin Kaushik (FCA) | LLB

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The 3 biggest leaks in your finances are not always low income or bad investments. It’s often lifestyle inflation, unplanned debt and emotional investing. Your salary increases, so your lifestyle quietly increases too. Then a credit card or EMI fills the gap when spending gets ahead of income. And when markets fall, fear makes you sell; when something is running up, FOMO makes you buy. The dangerous part is that none of these feels like a huge mistake in isolation. A better car, another EMI, one impulsive investment decision. But repeated over 5–10 years, these small leaks can do more damage to your wealth than missing out on the next “multibagger.” Building wealth isn’t just about earning more or finding better investments. It is also about stopping the money from leaking out repeatedly. #PersonalFinance #WealthBuilding #MoneyManagement #Investing

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