India, Aug. 21 -- Ayush and Krish have a lot in common. Both have around six years of corporate experience and take home close to Rs.1.5 lakh a month. Yet their finances tell two very different stories.

Ayush starts every month with nearly Rs.45,000 committed to EMIs for his phone, PS5, sofa, and a 2025 vacation. He manages to invest around Rs.10,000 a month.

Krish, on the other hand, has no lifestyle EMIs, invests close to Rs.70,000 every month, and has built a Rs.3 lakh emergency fund.

While their incomes are the same, their financial momentum is very different.

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