Consistency

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 Consistency builds momentum


Regular saving — even small amounts —

creates:

A steady habit you don’t have to think about
Predictability in your finances
A growing base that compounds over time
It’s not how much you save at once, it’s how often.
Thanks to compound interest, money saved earlier grows for more years.
Example:
Save ₹1000/month starting at age 25 → at 10% returns you’ll have ₹700000at 45 yr.
Pay yourself first
Set up automatic transfers on payday.
Start small
Even 100 inr a week is enough to build the habit.
Use separate accounts
Emergency fund
Long-term investments
Big purchases (down payment, travel fund)
Increase savings with raises
If you get a 5% raise, bump your savings by 1–2% automatically
What “early” really means
Start as soon as you earn money
Doesn’t have to be a big amount
Focus on time in the market, not timing the market
The earlier you begin, the less you have to save each month later.

Starting early multiplies your results





Pls read the book

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