The Economic Times

Rs 3.5 crore will not make you 'rich' in retirement. CA breaks down the uncomfortable math

A viral post by CA Nitin Kaushik challenges the 3.5 crore retirement goal. Inflation will significantly reduce its future value. This amount may not sustain a comfortable lifestyle for decades. Retirement planning requires consistency and adaptability. SIP step-ups and personalized lifestyle planning are crucial. Time and discipline are more important than income alone for long-term financial security.