“Salary Aati Hai, Par Kahan Jaati Hai?”
How many bank accounts do you need?Aapko yaad hai wo scene jab salary account mein paisa aata hai aur hum khush ho jaate hain? Lekin do hafte ke andar phone beep karta hai – “Low Balance Alert.”
Arre bhaiya, paisa kamana alag kala hai, aur paisa manage karna ek mahaan kala hai! Aur Bharat jaise desh mein jaha 140 crore log hain, unmein se 80% ke paas sirf ek hi bank account hota hai. Result? Salary aati hai, kharch hoti hai, aur savings khatam.👉 Solution? Ek dhamakedaar 6 Bank Account Formula jo aapke paiso ko discipline aur direction dega.
1️⃣ Salary Account – “Isko Banaiye Gateway, Parking Lot Nahi!”
Salary account ek entry gate hai, parking lot nahi. Galti kya hoti hai? Log isi account mein paisa park kar dete hain aur wahin se sab expenses nikalte hain. End of month? Khali khazana.
✅ Correct Strategy: Jaisi hi salary aaye → turant 5 alag accounts mein transfer karo. “Salary account ko highway banao, parking lot nahi!”
2️⃣ Daily Expenses Account – “50% Yahin Pe Daalo”
Har ghar ka sabse bada kharcha – kiraya, ration, bijli, petrol, school fees.
📌 Rule: Salary ka 50% Daily Expense Account mein rakho.
👉 Example: Salary ₹60,000 → ₹30,000 daily expenses ke liye.
✅ Takeaway: Fixed budget banao, over-spending band karo.
“Budget banao warna kharcha aapko budget bana dega!”
3️⃣ Investment & EMI Account – “Paise Ko Paise Ki Factory Mein Lagao”
Wealth creation ka asli raasta – Investment. India ki mutual fund industry ab ₹60 lakh crore AUM cross kar chuki hai (2025 data). Matlab log seekh rahe hain – investment hi asli dhan hai.
📌 Rule: Salary ka 15% investment & EMI account mein rakho.
👉 Example: ₹60,000 → ₹9,000 SIP, stocks, PPF, NPS, insurance premium ya productive EMI ke liye.
“Salary khatam ho jaati hai, par investment zindagi banati hai!”
4️⃣ Emergency Fund Account – “Financial Hanuman Chalisa”
Life unpredictable hai. Corona pandemic yaad hai? 12 crore Indians ki job gayi thi!
📌 Rule: Salary ka 10% Emergency Account mein rakho.
Goal: 6 months ke expenses cover ho.
👉 Example: Expenses ₹30,000/month → Emergency fund ₹1,80,000.
“Insurance bachaata hai, par emergency fund izzat banaye rakhta hai.”
5️⃣ Future Goals Account – “Sapne EMI Pe Nahi, Saving Pe Puro Honge”
Dreams kya hain? Ghar, Europe trip, beti ki shaadi? Ye EMI pe nahi, planned savings se poore hote hain.
Rule: Salary ka 15% Future Goals Account mein rakho.
Example: ₹60,000 → ₹9,000 sapno ke liye.
“Dreams on EMI are stress, dreams on savings are success.”
6️⃣ Leisure / Misc. Account – “Zindagi Mein Tadka Zaroori Hai”
Sirf bachat aur investment? Arre bhaiya, life boring ho jaayegi! Netflix, Goa trip, iPhone, party – sab ke liye alag account banao.
Rule: Salary ka 10% leisure account mein rakho.
Example: ₹60,000 → ₹6,000 sirf masti ke liye.
“Life is not just balance sheet, thoda party bhi credit side pe hona chahiye.”
🏆 Final Wrap-Up – Aapki Financial Army
Ek account = financial jail.Multiple accounts = financial freedom.
Salary Account – Gateway
Daily Expense Account – 50%
Investment/EMI Account – 15%
Emergency Fund Account – 10%
Future Goals Account – 15%
Leisure Account – 10%
Ye 6 accounts aapki financial army hain. Har soldier ka mission fix hai. Aur aap ban jaoge apni zindagi ke financial General.
🔥 Closing Motivation
Successful log ek common system follow karte hain – structure over emotion.
📌 Yaad rakho:
👉 System beats Emotion.
👉 Bank accounts ko soldiers banao, har ek ka mission fix hoga, aur aap financial war jeet jaaoge.
📌 Call to Action
Ab aap batao – kya abhi bhi ek hi account mein salary ghuma rahe ho, ya apni 6 Bank Account Financial Army banane ke liye tayyar ho?