Entrepreneur shares THIS strategy to save 50% income in mid-20s; netizens are not impressed: ‘So naive of you to think’

Aryan Kochar, co-founder of Delhi-based financial services company FinFloww, has shared a life hack to save nearly 50% of your income in your 20s. Though his strategy is not new, it has resulted in a social media debate. Kochar advocates living with parents in your mid-20s to save money.

He claimed that living with parents is financial wisdom and not a sign of failure. According to him, people choose to compromise on their finances to chase independence.

“Might get me cancelled but:

Living with parents in your mid 20s isn’t a ‘failure’—it’s financial wisdom in a world where rent eats 50% of your income. But hey, keep chasing ‘independence’ while you’re broke, lonely, and eating ramen for dinner. Choose your struggles wisely,” Kochar wrote on X.

Living with your parents is a common norm in India for both men and women. Men mostly stay with their families even after marriage, whereas women move out not due to financial reasons but as a convention of staying at the husband’s house. However, more than a financial choice, living with parents is a tradition in India.

In the West, children are expected to move out when they turn 18 or in their early twenties as a path to adulthood. Living alone gives a sense of freedom and responsibility, as well as the ability to make independent decisions.

Social media reacts

Several social media users have resonated with Kochar’s post, whereas several questioned his opinion.

One of the users pointed out how living alone helps one to become “self-made.”

“Totally disagree. You don’t grow out of the environment you were first molded in. Being broke, lonely, and eating ramen for dinner will help ignite the fire you need and the days you see to be self-made. If you live with your parents in your mid 20s, you are by default a carbon copy of the things you like and don’t like about them,” the user wrote.

The user also questioned how Kochar is just looking at money as a measure of success while factors such as maturity, risk-taking, and independence do play a role.

“So naive of you to think money brings or is a measure of success when true success is self-made, maturity, independent, evolving, taking risks, and seeing it through. Diamond is made in the highest pressure from carbon. If you don’t have any pressure go and create a one for yourself. Worst case scenario you can always come home and stay with parents anyway,” the user added.

“Bhai live with your parents happily forever . Money will come or go that doesn’t matter. Parents will always be happy and supportive,” another user said.

One of the users emphasised the importance of planning and cooking meals by living alone.

“Disagree. Sooner you move out, sooner you understand planning & preparing your meals. Our moms also need break from us. We need too much on our platter. More than what is necessary. We learn to eat what is necessary when we cook for ourselves,” the user said.

“Not sure what your age is and if you still live with your parents. But if you give this advice still living with your parents, you don’t know what you are talking about. Speaking from experience — you can’t have an adult life until you separate,” added another user.