During a recent episode of 'The Money Mindset' hosted by Sonia Shenoy, Sandeep Jethwani (co-founder of Dezerv) proposed that individuals planning to retire at 60 with monthly expenses of ₹1-2 lakh will require a staggering ₹40 crore. This figure, which excludes the value of personal assets like homes and cars, aims to cover future expenses, including lifestyle, family responsibilities, and medical costs. Shenoy shared her personal financial situation, revealing her household expenses of ₹2 lakh per month, and expressed surprise at the high estimate, initially expecting a need closer to ₹10 crore. The discussion sparked significant debate online, with many questioning the assumptions behind such a large retirement corpus. Critics argued that the estimate may not resonate with those aiming for a more modest lifestyle, suggesting it reflects the needs of wealthier individuals rather than the average urban middle-class household in India. Jethwani acknowledged the challenges of accumulating such wealth, emphasizing the importance of planning for inflation and potential increases in living costs as people approach retirement.