IRRESPONSIBLE 36 Year Old Fixes His Finance In Bangalore | Fix Your Finance Ep. 126

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Hello hello hello and welcome to a new episode of Fix Your Finance!
Today, we have 36-year-old Pallav from Bengaluru, and this is an episode that many working professionals and high earners will find incredibly relatable.
Pallav has been working in Sales & Strategy for the last 12 years. Today, he earns an impressive ₹32 LPA, with a monthly take-home salary of around ₹2.12 lakh.
At first glance, everything seemed perfect. A good income, a successful career, and relatively low fixed expenses.
But during our conversation, Pallav shared something that genuinely surprised me.
Despite earning ₹2.12 lakh every month, his salary would almost be exhausted by the 20th of the month.
Naturally, the question was:
“Where is the rest of the money going?”
As we dug deeper into his spending habits, the picture became much clearer.
Pallav loves ordering food, exploring Bengaluru, and taking frequent trips to places like Goa, Kerala, and Pondicherry. Add to that shopping on credit cards, buying watches worth ₹75,000+, and regular weekend parties with friends.
Individually, these expenses may not seem like a big deal. But together, they had quietly become a major drain on his finances.
The interesting part is that Pallav wasn’t reckless with money. Like many people, he simply never realized how much lifestyle expenses had grown over the years.
Once he started tracking his spending, he understood that a large portion of his income was being consumed by habits that had slowly become normal.
Now, he wants to take control of his finances and become more intentional with his money.
One of his biggest goals is to build an emergency fund that can cover at least 6 months of his monthly expenses, giving him financial security and peace of mind.
In this episode, we break down his spending patterns, identify the biggest money leaks, and create a practical roadmap to help him achieve his financial goals without sacrificing the lifestyle he enjoys.
If you’ve ever wondered where your salary disappears every month despite earning well, this episode might be exactly what you need.
Now, let’s fix his finance.
In this episode, we discuss:
• Pallav’s Income & Career Journey
• Why His ₹2.12 Lakh Salary Was Running Out Every Month
• Lifestyle Inflation and Hidden Expenses
• Food Delivery, Travel & Weekend Spending Habits
• Credit Card Usage & Impulse Purchases
• Building a 6-Month Emergency Fund
• Creating Better Financial Awareness
• Balancing Enjoyment Today with Financial Security

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MY TOP 5 FAV BOOKS 📚
Ride of a Lifetime: https://bit.ly/rideofalifetimebook
The Millionaire Fastlane: https://bit.ly/TheMillionaireFastlanebook
Zurich Axioms: https://bit.ly/ZurichAxioms
Masters of Scale: https://bit.ly/masterofscale
Just Keep Buying: https://bit.ly/justkeepbuying

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Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.

Music licensed by Epidemic Music.

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