A Chartered Accountant has cautioned young professionals against prioritizing lifestyle upgrades like designer clothes and the latest gadgets over essential financial security. The CA highlighted that many young individuals rely solely on employer-provided health insurance, which often proves insufficient and temporary. Experts advise investing in a personal health insurance policy early, around Rs 15,000 annually, to secure lifelong coverage up to Rs 50 lakh, contrasting this with the depreciating value of luxury purchases.