A 29‑year‑old techie earning ₹1.2 lakh monthly faced a surprisingly common issue zero savings and no emergency fund, despite a healthy income. Chartered Accountant Nitin Kaushik stepped in with a simple, effective solution: “Track just one number every week the total you saved”.

Kaushik’s method begins with the mental model of assigning every rupee a job before spending: 50% for expenses, 20% to savings, 20% to investments (dubbed the “Freedom Fund”), and 10% for guilt‑free fun. This budgeting technique, shared via a viral Twitter thread, resonated with thousands.

But the real game‑changer is automation setting up automatic transfers to savings and investment accounts so spending isn’t left to willpower. Kaushik argues that saving shouldn’t be an afterthought: “Don’t wait to see what’s left to save because guess what? There will be nothing left”.

By connecting financial goals to emotions like stress‑free weekends, financial freedom, or early retirement the plan motivates consistent habits. And by tracking savings weekly, it turns financial health into a manageable routine. Kaushik proves that even with a decent salary, financial clarity comes down to simplicity, consistency, and just five minutes of planning.