Saving money often feels like a strict rule for many people—cut expenses, avoid spending, and wait until the distant future to enjoy life. However, Radhika Gupta, the MD and CEO of Edelweiss Mutual Fund, offers a more balanced perspective. While her job involves encouraging people to invest in SIPs (Systematic Investment Plans), she reminds everyone—from the young professionals just starting out to older adults—to also enjoy the rewards of their hard work today.
In a recent post on LinkedIn, she shared a thoughtful message: “My job is to sell SIPs, but I always tell everyone—young and old—to take the time to enjoy the fruits of your hard work.” Her view emphasizes that financial planning should not come at the cost of life's simple pleasures.
Many young earners often feel the burden of saving aggressively, constantly hearing that they must build a large retirement corpus or chase the highest investment returns. But Gupta stresses that money should not just be saved for tomorrow—it should improve your life today as well.
She encourages people to find a healthy balance. According to her, it's perfectly okay to spend on things that bring you joy—whether that’s your favorite coffee, a weekend trip, or a small splurge that genuinely makes you happy. These moments, she believes, make the journey of saving and investing truly worthwhile.
Of course, Gupta is not suggesting that people abandon their savings goals. SIPs and mutual funds are still important for long-term security. But she wants people to understand that financial success isn’t just about building the biggest bank account or achieving the highest NAV. What really matters is living a life that feels fulfilling and joyful.
Her words come as a gentle reminder in a world where the pressure to save and accumulate wealth is constant. It’s okay to spend a little, save a little, and enjoy a little. The key is balance. As Gupta puts it, “The middle path exists, and it is a good one.”
So when you sit down to plan your finances, make sure you also include room for experiences and small joys. After all, the true value of money lies in how well it enhances the richness of your everyday life.
