Bengaluru: A Bengaluru couple has gone viral on social media after sharing the five financial rules they follow to manage their finances while balancing two full-time careers, raising a toddler and caring for a pet dog.
Megha and Shubham, who share content through their Instagram account @the12absproject, said their approach to money is centred on mindful spending, long-term financial security and shared responsibility. Their video has struck a chord with millennials looking for practical personal finance advice.
Spend on what truly matters
The couple’s first rule is to spend money on things that genuinely improve their lives rather than trying to impress others.
They said they avoid splurging on luxury cars, expensive branded clothing or jewellery kept in lockers. Instead, they prioritise investing in a comfortable home and a good neighbourhood, believing these directly impact their family’s quality of life.
Create memories, not just possessions
The couple also believes experiences are more valuable than material possessions.
They make it a priority to take one international holiday every year, enjoy multiple staycations and regularly visit their parents, especially during festivals, to create lasting family memories.
Health is a long-term investment
Their third financial principle focuses on health and fitness.
According to the couple, spending on nutritious food, quality products and gym memberships should be viewed as an investment that can help reduce future medical expenses.
Invest consistently for future goals
Megha and Shubham also emphasise disciplined investing by gradually increasing their investments every year.
They said their financial planning balances immediate household needs with long-term wealth creation and future goals.
Share expenses and responsibilities
Their final rule is to divide both financial responsibilities and household expenses.
While Megha manages fixed monthly costs such as rent, utility bills and domestic help, Shubham takes care of variable expenses, including groceries, travel and credit card payments.
The couple clarified that their financial strategy is not a universal formula but a system that has worked well for their family. Their advice has received widespread appreciation online, with many social media users praising the couple’s practical and balanced approach to money management.