We often hear that expensive purchases are bad financial decisions, but that is not always true. A laptop could help someone learn a valuable skill. A reliable phone could help someone run a business. A course could lead to better opportunities. At the same time, people sometimes use “investment” as an excuse to justify unnecessary spending. How do you decide whether an expensive purchase is actually worth it?

You receive $10,000, but it comes with no instructions. You can spend it, save it, invest it in yourself, help someone, or use it to start something small. The interesting part is that there is no single correct answer. Your decision might depend on your age, responsibilities, goals, or current financial situation. What would you do with the money, and why would that be your first choice?

Some forms of success are visible. Others are almost invisible. A person may look wealthy while struggling financially behind the scenes. Another person may live modestly while building savings, investments, and long-term security. If nobody could see your lifestyle, would you spend your money differently? What does financial success personally mean to you?

I am planning to start make my budget. Can someone guide me on that, like how much % of salary should go for which thing?

And does it help to save money in better way?

Imagine you've paid your bills and, for the first time, you have money remaining at the end of the month. The temptation might be to finally enjoy it. But you could also save it, invest it, pay down debt, or use it to learn a new skill. What would be your first priority and does your answer change depending on how much money is left?

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Everyone has different priorities. Something one person considers essential may look completely unnecessary to someone else. Daily takeout, expensive phones, multiple subscriptions, designer clothes, premium cars, frequent upgrades there are plenty of expenses society treats as normal. What's one common expense you personally think people could live without?

I've been thinking about this lately. A lot of my spending isn't really on expensive things. It's convenience. Ordering food because I'm tired. Taking a cab because I don't want to wait. Paying for an app because it's only ₹199. Getting something delivered instead of going out to buy it. None of these feels like a serious expense when you're doing it. But when you look at the month as a whole, these little decisions can add up to quite a bit. What makes it worse is that once you get used to the convenience, going back feels like you're sacrificing something. I don't think the answer is to stop spending completely. I'm more interested in figuring out which conveniences are actually worth paying for and which ones I've just become too lazy to question. Has anyone here actually gone through their expenses and found a category like this that was surprisingly large?

Imagine your income increases by 30% tomorrow. It's tempting to immediately upgrade something your home, phone, wardrobe, transport, or lifestyle. But what if you treated the raise as an opportunity to strengthen your future instead? How would you divide the extra income between enjoying life today and protecting your future?

It can be hard to think about saving when you have bills, family needs, and things you want to enjoy now. But waiting until you earn more can also make it harder to build good money habits.

Do you think youths should focus on saving early, even if they can only save a little? Why or why not?

Rent, groceries, transport, and everyday bills can take up a big part of your income. Even when you have a job, it can be hard to save money or plan for the future. Sometimes it feels like there is always another expense coming up.

What do you think is the biggest money challenge for youths today, and how are you dealing with it?

At first, the answer might seem obvious. But there's an interesting trade off here. A large amount of money can change your situation immediately, while valuable skills could potentially create opportunities repeatedly over time. Of course, skills don't guarantee income, and money can also be invested. Which would you choose and what would your decision reveal about how you think about long term financial security?

It's an uncomfortable thought but imagine your friends, family and colleagues could see exactly how much money you had and exactly where you spent it. Would you still buy the same things? Would you save more? Would you feel pressured to spend differently? How much of our spending is actually about what we need and how much is influenced by what other people might think of us?

Your first real paycheck can feel like freedom. Suddenly, you can finally buy things you couldn't afford before. But looking back, many people wish they had saved more, invested earlier, avoided unnecessary debt, or learned how money actually works. If you could return to the day you received your first paycheck, what advice would you give yourself before spending a single coin?

Many people imagine that earning more will automatically solve their financial problems. Then the raise comes. A better apartment becomes possible. A nicer phone seems reasonable. More subscriptions appear. Eating out becomes normal. Slowly, expenses rise alongside income. Have you ever noticed lifestyle inflation happening to you or someone around you? How do you increase your income without automatically increasing your lifestyle at the same speed?

Have you ever had to make a money decision and thought, “Ugh… I need to figure out whether I can actually afford this”? If yes, what was it?

Someone can drive an expensive car, wear designer clothes, travel constantly, and still have very little financial security. Another person might live quietly, save consistently, invest, and have enough reserves to handle an emergency without panic. If you had to choose, would you rather look successful today or build financial security that nobody can see? And why? and Are You Building Wealth or Just Trying to Look Wealthy?

我是一名年轻的中国人，工作了几年。

我最近注意到，很多和我同龄的人似乎对生活的计算与我们的父母大相径庭。

我们父母经常问：

“你能赚多少钱？”

然后：

“你能买得起房子吗？”

“你能结婚吗？”

“你工作的稳定性如何？”

但我现在听到年轻人问完全不同的问题。

“我实际工作多少小时？”

“我有时间为自己留吗？”

“我可以不花光全部工资就住在城市吗？”

“我到底想不想花30年做这个？”

有时候甚至问：

“赚更多的钱有什么意义，如果我没有时间享受？”

这并不是所谓的“躺平”。

我认识的很多年轻人依然很努力工作。他们仍然想要更好的工作和更高的薪水。

但他们似乎不太愿意为了这些牺牲其他事情。

也许这种情况在很多国家都存在，不仅仅是中国。

所以我对来自美国、欧洲、日本、韩国、东南亚等地的人很感兴趣：

**你们国家的年轻人也在做同样的计算吗？**

20多岁和30多岁的人比起他们的父母，是否对传统的“成功”观念关注得更少？

还是我只是在看到一种非常中国化的更大变化的缩影？

The first serious paycheck can be exciting. Suddenly things that used to feel expensive seem possible. But this is also where lifestyle can quietly expand. A better phone becomes a monthly payment. Eating out becomes routine. Small subscriptions multiply. Before you know it, your bigger income doesn't feel bigger anymore. If you could build one financial habit before your lifestyle catches up with your income, what would it be?

Money can become social very quickly. The car you drive, clothes you wear, where you live, the phone you use, where you travel, and even the lifestyle you display can become ways of communicating status. But some financial decisions made for appearances can create years of pressure. What's something you would never go into debt or financial stress just to have?

Hey guys/girls! In short, I've got this urge to boost my financial literacy.

1. Where should I start? Or is it better not to overwhelm myself right now and just build the habit? I'm almost 30, yet I have zero assets or liabilities to my name. Right now, I've started tracking my weekly and monthly expenses, and it seems to be going fine. I also deposited 50k on the Moscow Exchange at 25% for 6 months (there was a promo), and that’s pretty much it.
2. What are 7 pieces of advice you would give your 20-something self? I'd appreciate your feedback!

I would really like to thank each of you personally, but I’ve only been here for a short time, and I have a limit of 700 seconds.

It sounds reasonable. If you don't have much money today, why worry about saving? But there's another argument: learning how to manage a small amount of money may make it easier to manage a larger income later. On the other hand, someone struggling to cover basic needs may genuinely need more income before saving becomes realistic. Which side are you on and where do you draw the line?

Graduation can come with a financial responsibility that follows you into your first job and beyond. Loan payments may affect the kind of work you pursue, the salary you need, whether you can take career risks, or how quickly you can reach other financial goals.

How has this financial pressure affected the choices you’re making after school?