Opportunity cost of lifestyle spending
Every large discretionary purchase has two prices: the invoice and the compounded wealth you forgo by not investing the same amount.
Why compounding magnifies spending
A one-time ₹20L outlay at 12% for 25 years is about ₹2.7 Cr foregone. The longer the horizon and higher the rate, the steeper the trap.
Illustrative only — not investment advice. Past scenarios do not guarantee future results. Consult a qualified professional before investing.