Investor Vijay Kedia has sparked a viral discussion on social media with a powerful message about financial discipline. In a tweet posted on X, Kedia stated, “It’s not your salary in lakhs that makes you a millionaire — it’s your savings in lakhs that do.”
The tweet quickly resonated with thousands of users, many praising it for its simple yet hard-hitting truth. Accompanying the tweet was a video in which Kedia elaborates on the importance of saving over spending, especially in a culture that increasingly promotes instant gratification.
It’s not your salary in lakhs that makes you a millionaire — it’s your savings in lakhs that do.. ✌️ pic.twitter.com/yM6cdm8yv9
— Vijay Kedia (@VijayKedia1) April 20, 2025
In the video, Kedia criticized the Western philosophy of “live for today, tomorrow never comes” — a mindset he says has led to poor financial habits, particularly in the United States. “Almost 40% of Americans don’t even have $1,000 to deal with emergencies,” he says. “They’re taught from childhood not to save.”
Kedia warned that blindly following consumerist ideals could prove dangerous in a country like India, where government-backed social security is limited. “There’s no real social safety net here. You have to secure your own future,” he emphasized.
He explained how regular investing can create long-term wealth saying, “If someone invests Rs 50,000 a year for 20 years in mutual funds with a 12% CAGR, that investment can grow to over Rs 5 crore,” he said.
Kedia concluded with a call for lifestyle changes, urging people to cut down on spending for parties, fashion, and luxury brands — and instead focus on building wealth through savings and investments.
His message, rooted in practical financial wisdom, has struck a chord with both young professionals and seasoned investors alike, reigniting a conversation around financial literacy, wealth creation, and long-term planning.
