Even with steady paychecks and decent savings, many people often wonder why they still feel financially strained. Shedding light on this common paradox, Chartered Accountant and finance educator CA Nitin Kaushik believes the issue is rarely about money itself — it’s about mental energy.

In a post on X (formerly Twitter), Kaushik wrote, “Most people think they have a money problem. In reality, they have a mental energy problem. Money doesn’t run out first — energy does.” Advertisement

Kaushik explained that emotional fatigue often triggers impulsive spending. After a tiring workday, many tend to “swipe away” stress by ordering food, booking cabs, or buying things they don’t need — not because of lack of discipline, but because of depleted willpower. “It’s not about ₹200 coffee or ₹350 d

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