Ever wondered why your bank balance seems to vanish even though your salary looks decent on paper? According to CA Nitin Kaushik, the problem isn’t your income—it’s your energy. In a viral post on X, he broke down a truth most people ignore: “Money doesn’t run out first—energy does.” The leak, he says, isn’t financial. It’s emotional. And that’s exactly where most people’s financial discipline falls apart.
Kaushik explained that what drains your savings isn’t always a Rs 200 coffee or a Rs 350 delivery charge—it’s the fatigue behind those swipes. “We’ve all done this,” he wrote. “Felt tired after a long day, opened an app, and ordered something we didn’t even crave. Or booked that cab instead of walking, just because we were done for the day.” Those small choices, driven by exhaustion, slowly bleed your wallet dry.
To prove his point, he suggested a little experiment. “Track your expenses for a week,” he advised. “But this time, add one more column next to it—‘What was I feeling before I spent this?’” According to him, most impulsive purchases happen right after something drains your will—stress, boredom, or pressure. Around 70–80% of unplanned spending, he noted, isn’t about need but about buying your calm back.
That’s why, Kaushik explained, even high earners often feel broke. It’s not a lack of budgeting skills—it’s decision fatigue. “Financial control isn’t built by tracking every rupee,” he wrote. “It’s built by protecting your energy from being hijacked all day.” When your mind is in survival mode, long-term financial thinking simply shuts down.
His solution isn’t another finance app or budgeting hack—it’s silence. Kaushik suggested taking 10–15 minutes before every big purchase. No phone, no talking, just a pause. “Half of the impulsive buys vanish when your mind cools down,” he said. “That’s not self-control—it’s clarity returning.”
For him, money management is less about numbers and more about energy allocation. “When you protect your willpower, you protect your wealth,” he concluded. His final thought hit home: “Luck often shows up when your mind is calm enough to recognise opportunity. Financial progress begins the day you stop counting receipts—and start counting peaceful moments.”
Kaushik explained that what drains your savings isn’t always a Rs 200 coffee or a Rs 350 delivery charge—it’s the fatigue behind those swipes. “We’ve all done this,” he wrote. “Felt tired after a long day, opened an app, and ordered something we didn’t even crave. Or booked that cab instead of walking, just because we were done for the day.” Those small choices, driven by exhaustion, slowly bleed your wallet dry.
To prove his point, he suggested a little experiment. “Track your expenses for a week,” he advised. “But this time, add one more column next to it—‘What was I feeling before I spent this?’” According to him, most impulsive purchases happen right after something drains your will—stress, boredom, or pressure. Around 70–80% of unplanned spending, he noted, isn’t about need but about buying your calm back.
That’s why, Kaushik explained, even high earners often feel broke. It’s not a lack of budgeting skills—it’s decision fatigue. “Financial control isn’t built by tracking every rupee,” he wrote. “It’s built by protecting your energy from being hijacked all day.” When your mind is in survival mode, long-term financial thinking simply shuts down.
The Real Reason You Keep Feeling Broke (Even When You’re Earning Decently)
— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) November 3, 2025
Most people think they have a money problem.
In reality, they have a mental energy problem.
Money doesn’t run out first — energy does.
The real leak isn’t financial, it’s emotional.
And that’s where… pic.twitter.com/B4S6iKsHxc
His solution isn’t another finance app or budgeting hack—it’s silence. Kaushik suggested taking 10–15 minutes before every big purchase. No phone, no talking, just a pause. “Half of the impulsive buys vanish when your mind cools down,” he said. “That’s not self-control—it’s clarity returning.”
For him, money management is less about numbers and more about energy allocation. “When you protect your willpower, you protect your wealth,” he concluded. His final thought hit home: “Luck often shows up when your mind is calm enough to recognise opportunity. Financial progress begins the day you stop counting receipts—and start counting peaceful moments.”
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