Finance – Upgrade lifestyle or save aggressively?
I earn around ₹1 lakh/month.
I spend roughly 20–25% on monthly expenses (rent, groceries, travel). The rest I save/invest or support family. Currently living in a pretty premium PG, paying ₹14k for double sharing.
Lately I’ve been thinking of upgrading my lifestyle — maybe shifting to a flat. Mainly for privacy and better living quality. But I’m confused.
Should I: Upgrade now? Or wait for my next switch when I might earn ~₹1.5 lakh/month?
Financially I can manage it, but not sure if it’s the right move at this stage.
Would love to hear how you think about lifestyle upgrades vs saving aggressively in your 20s.
If everything is good in PG then why are you shifting to flat, take a personal room for yourself. Try to save or invest it. Buy land, gold whatever you want. You can save it for marriage or home.
In the future, if you ever feel done from the job then you can start your own.
Earning much is not meant to spend more.
I mean living with a roommate, when you are 23, + flat will have more peace and I can focus on other things as well
