Chartered Accountant Nitin Kaushik highlights a growing concern in personal finance: the impact of automated deductions and fixed expenses on wealth building. He notes that many individuals start each month with their income already allocated to essential payments like rent, loan EMIs, and insurance, leaving little room for discretionary spending. This situation often results in a negative balance before the month even begins. Kaushik criticizes the common practice of saving whatever remains at the end of the month, stating that this approach rarely yields savings due to the tendency for spending to expand with income. He advocates for treating automation as a financial discipline, suggesting that individuals should set up auto-debits for savings and investments as soon as they receive their salary. This proactive approach ensures that money is allocated to long-term goals before lifestyle expenses take precedence. Kaushik warns that without automating savings, individuals risk falling into a cycle of financial struggle, as modern financial systems favor automated consumption over savings.