Dreaming of that Rs 25 lakh car? CA says waiting will cost you more. Here's why

Ever dreamed of cruising around in that sleek Rs 25 lakh car — the one that feels just within reach but somehow keeps slipping further away? Turns out, the longer you wait, the pricier that dream gets. Not because car prices are skyrocketing, but because time, quite literally, eats into your money. CA Nitin Kaushik broke it down in a viral post on X, showing how delaying your investments even slightly can make your goals much harder — and costlier — to achieve.

In his post, Kaushik asked everyone to imagine starting a simple SIP of Rs 10,000 per month in equities with a 12% annual return. Stick to that for 10 years, and you’ll have your Rs 25 lakh ready — the perfect ticket to that dream car. But here’s the twist: wait three years before starting, and suddenly you’ll need to cough up Rs 15,000 every month just to reach the same Rs 25 lakh goal in the remaining 7 years.

That’s a 50% jump in monthly investment — all because you hit the snooze button on your financial plan. Kaushik’s message is blunt but powerful: “Wealth isn’t built by timing the market, it’s built by time in the market.” In other words, compounding rewards consistency, not hesitation.

🚗 Dreaming of buying that ₹25L car someday?

Here’s the math no one talks about 👇

If you start investing ₹10,000/month today in equities at a 12% annual return, you’ll reach ₹25 lakh in 10 years (assuming today’s prices, before taxes and fund fees).

But if you delay…

— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) October 26, 2025

He further explained that every year of delay quietly shuts more doors, reducing the magic of compounding — that invisible engine that makes small sums grow into serious wealth over time. “Start small, start now,” he urged. “Your money grows only when time is on your side.”

In another post, Kaushik pointed to procrastination as the main obstacle to reaching financial goals. He explained that delaying investments, even by a few months, means missing out on compounding — the subtle force that steadily grows money over time.


He also emphasised that building wealth depends more on financial discipline than on income. A person earning Rs 50k who consistently invests Rs 5k a month can end up richer than someone earning Rs 2L but spending it all. The key lesson is that regular, disciplined saving always outperforms sporadic splurging.