A recent discussion led by Meenal Goel, a chartered accountant, highlights that earning a high salary, such as ₹1.2 lakh per month, does not guarantee savings. Goel points out that many individuals face lifestyle inflation, where their expenses rise as their income increases, leaving little room for savings. She illustrates this with a breakdown of typical monthly expenses: ₹35,000 for rent, ₹30,000 for EMI, and additional costs that quickly consume most of the income. Goel stresses that wealth is not built from leftover money but requires a deliberate approach to financial planning. She also responded to a Reddit user who earns ₹1.2 lakh but struggles to save ₹15,000 monthly, suggesting that focusing solely on cutting expenses may not be the best solution. Instead, she advocates for investing in skill development and prioritizing fixed investments over fixed expenses. The post has sparked various opinions on financial management, emphasizing the importance of designing cash flows to alleviate financial stress.