Bengaluru: A Bengaluru-based content creator has ignited a discussion on social media after questioning whether young professionals are spending too much on lifestyle upgrades instead of building financial security.
The debate began after Simridhi Makhija, who has been living in Bengaluru for the past seven months, shared an Instagram video reflecting on spending habits she finds difficult to relate to. While acknowledging that many people can afford such expenses, she argued that financial priorities in one’s early 20s should focus more on saving than spending.
Questions over rising lifestyle expenses
In the video, Makhija said she finds it difficult to understand spending around ₹5,000 on a café visit, paying nearly ₹40,000 a month in rent for premium accommodation when more affordable options are available, or spending ₹20,000 during a single shopping trip.
According to her, earning a higher salary should not automatically result in higher spending. Instead, she believes young professionals should maintain a modest lifestyle, spend only on essentials and invest the remaining income towards future financial security.
She also highlighted the growing trend of lifestyle inflation, where rising incomes are often matched by equally higher expenses, leaving little room for savings.
Internet divided over financial priorities
The video quickly gained attention online, with users expressing differing opinions on how young professionals should manage their money.
While some agreed that saving early helps create long-term financial stability, others argued that the 20s should be spent focusing on increasing earning potential rather than limiting expenses.
Some users said enjoying the rewards of hard work is equally important, while maintaining that responsible spending and financial planning should go hand in hand.
The discussion reflects a broader conversation around balancing present-day experiences with future financial goals, particularly in cities like Bengaluru, where the cost of living continues to rise.