Can 'low earners' afford to save? He earns Rs 40,000 and spends it all. 'Lifestyle inflation' or just 'decent life'

As the cost of living continues to rise across Indian cities, many young professionals earning modest salaries are struggling to strike a balance between saving for the future and maintaining a basic quality of life. For those earning around Rs 30,000 to Rs 40,000 per month, traditional financial advice about saving and investing often clashes with the reality of rent, food, healthcare, and everyday expenses. A recent Reddit post captured this growing tension, sparking a debate on whether spending most of one’s income today reflects financial irresponsibility—or simply the pursuit of a decent life in an expensive world.

Struggle Between Survival and Quality of Life
The Reddit user behind the viral discussion shared that he earns about Rs 40,000 a month and, after rent and EMIs, are left with around Rs 25,000. The entire amount, he said, goes toward groceries, medical bills, skincare, supplements, and occasional social outings. “I don't eat out. I spend a decent amount on skincare products. I eat a good variety of fruits, vegetables, and meat… and by the end of the month, I am left with almost nothing,” he wrote.

Despite having no savings, the individual said he felt fulfilled, explaining that he was investing in health, personal growth, and social life. “I am living my best life,” he said, adding that even with a higher income, he would probably save only a small portion while improving his standard of living through a better apartment or home decor.


He also reflected on generational differences, comparing his situation to his father’s ability to raise a family on a much lower income, and questioned whether “lifestyle inflation” was truly harmful or simply a sign of changing times.

‘You’re Doing Fine, But That Attitude Might Bite Later’
The post quickly drew a flood of reactions, with many cautioning against the mindset of spending everything one earns. One commenter warned, “You’re doing fine right now, but that ‘I won’t save even if I earn more’ bit might bite later. Life throws curveball medical stuff, job gaps, family emergencies. Savings are what keep you from going under.”

Another user advised moderation, saying, “Being a bit frugal doesn’t mean you can’t live your best life. You never know when you end up in an accident.” Others stressed the need for health and life insurance, pointing out that company-provided health plans vanish once a job ends and that term insurance protects family members from financial strain.

Balancing Spending and Saving
Several Redditors argued that saving isn’t about denying comfort but about ensuring security. One pointed out, “Lifestyle inflation is bad because it keeps increasing indefinitely and cannot be easily controlled. It’s important to save when you’re not earning much so you can build a habit.”