CA Nitin Kaushik Discusses Financial Challenges and Retirement Planning in India

Chartered Accountant Nitin Kaushik highlights challenges faced by many Indian professionals despite stable careers and rising incomes. He warns that a Rs 3.5 crore retirement corpus may not ensure financial comfort due to inflation and longer life expectancy. Kaushik also critiques traditional middle-class financial norms, such as costly degrees and early home loans, which can lead to debt and limited savings. He emphasizes that financial progress depends more on adaptive behavior, consistent planning, and aligning spending with evolving goals than on income alone.