spot on. If that same EMI amount was put into a SIP at 28, the compounding by 40 would be life-changing. We need more focus on asset creation rather than liability accumulation in our 20s. Great post

The 'Golden Handcuffs' are real. We work hard to get the degree, harder to get the job, and then immediately hand over the paycheck to the EMI cycle. India’s consumption story is basically built on the stress of 28-year-olds

As someone aiming for a high-paying MBA role, this is a much-needed perspective. It’s easy to get blinded by the starting CTC and forget that the first thing we should build is an emergency fund, not a debt portfolio.