Absolutely, it's not just about the numbers on your paycheck. Your lifestyle, location, and personal responsibilities play a huge role. Someone in a smaller town might be comfortable with a modest income, while living in a big city could stretch even a high salary thin. But at the end of the day, what really matters is whether you enjoy what you do. If you're passionate about your work, that's what truly makes a difference.
But bro, the discussion isn’t about which salary is sufficient for which location. The point is, if someone earning 2 lakhs per month tries to downplay their salary as 'decent' to appear modest, it can make those who are actually earning a decent amount feel undervalued. They might start seeing themselves as less than they are. And let’s be honest, how many people in India earn 2 lakhs per month? I think less than 0.1% of the population might be in that bracket. If you're earning that much, it means you’re in the top 1% of India. So, the issue isn’t about how much you’re earning; it’s about downplaying your salary in a way that makes others feel small, which I believe is wrong.
I 100% agree with you—getting a credit card without making a big investment in the bank is a skill, bro. I’ve also managed to get several credit cards without investing an extra rupee. But you’re saying you didn’t make any investments here, right? Let me explain. You’ve made a 5 lakh FD with the bank and spent around 14 lakh rupees on a particular card in just one year. And the biggest investment, in my opinion, is the time and effort you’ve put in over the years to get this card, and the struggle you’ve gone through. That’s the real investment.
And if you think you’ve won the game with the bank, let me tell you that even people with lower salaries have managed to get this card for free for a lifetime. If you had gotten this card for free after all that struggle, it would have been praiseworthy. But getting the paid version isn’t something to brag about.
It’s not about how many cards you’ve taken or how premium they are; what’s more important is how much you can save each year using those cards. If you have to struggle this much to get a card and still can’t save much after getting it, then there’s no point in having it, my brother. Now, if you’re spending at least 15 lakhs annually on this card, maybe you can save something, given that it’s a paid card. But if you’re spending that much on this card every year, you won’t be able to use your other cards much anyway.
But it’s your decision, your call. If anything I said offended you, I’m sorry. I’m just sharing my opinion here. Thanks for reading.
what's more it was my first ever credit card. Enjoy this card , walk into any lounge like a King
and the
lessons are awesome
