Chartered Accountant Nitin Kaushik suggests automating finances to build wealth, emphasizing that smart money decisions occur before emotional spending impulses arise. He advises automating 20-30% of income into investments like SIPs, index funds, or debt prepayments. Kaushik illustrates that consistent monthly investments, such as Rs 15,000 at a 10% annual return for 25 years, can grow to approximately Rs 1.9 crore. This strategy removes temptation, fosters discipline, and allows compounding to work effectively, turning a simple habit into a powerful wealth-building engine.