Alert: High EMIs can delay wealth creation. If a person earning Rs.1 lakh pays EMI of Rs.45,000, very little remains for investing after expenses. Investing Rs.25,000 monthly for 20 years at 10% return can create nearly Rs.1.9 cr., but delaying investments due to heavy EMIs can sharply reduce final wealth. Lifestyle upgrades should not come at the cost of long-term financial freedom.









