Investor Says Rs.25 LPA is Insufficient for a Family of Three, Sparks Debate
Investor Says ₹25 LPA is Insufficient for a Family of Three, Sparks Debate
Sourav Dutta, an investor renowned for his provocative views on X, has ignited a fierce debate with his recent claim that an annual salary of ₹25 lakhs is inadequate for supporting a family of three. In a tweet, Dutta estimated that this salary results in a monthly take-home pay of approximately ₹1.5 lakhs. He argued that after accounting for essential expenses, EMIs, medical costs, and emergencies, there is no room left for savings or investments.
Dutta’s tweet read, “25 LPA is too little for running a family. 25 LPA = in hand 1.5L per month. A family of 3 would spend 1L on essentials, EMI/rent. 25K for eating out, movies, OTT, day trips. 25K for emergency and medical. Nothing left to invest.”
The tweet has spurred a wide range of reactions online. Some users agree with Dutta, pointing to the rising cost of living and inflation as reasons why ₹25 LPA might not suffice. However, many others have questioned his calculations and criticized the accuracy of his expense breakdown.
Comments include: “Touch some grass brother or get yourself tested or maybe both,” and “A family spending ₹25K a month on ‘medical’ would never spend ₹25K a month on miscellaneous expenses like eating out, day trips, etc. Please don’t misguide people with ridiculous calculations.” Another user added, “Someone earning ₹25 LPA with a family of three would know how to budget for rent, essentials, and entertainment. Nonsense figures. Emergency and medical expenses are not monthly bills.”
Previously, Dutta had also challenged the current tech salary market, suggesting it may be distorting financial expectations. Despite his critical view, many industry professionals with extensive experience earning around ₹25 LPA argue that the salary remains substantial, especially when considering various factors such as location, industry, and personal lifestyle.
The ongoing debate highlights the broader discussion about salary adequacy in the context of rising living costs and economic pressures, reflecting differing perspectives on what constitutes a sustainable income.
