In today’s world, EMIs have become as normal as paying your electricity bill. Almost every person you meet is paying some EMI — a home loan, a car loan, a phone EMI, or even a personal loan for a gadget or holiday. Most people don’t think twice before committing ₹10,000, ₹15,000, or ₹20,000 every month as EMIs.
Why? Because EMIs give you something instantly. You pay today and get to enjoy a house, drive a car, or hold a new phone right away. There’s an emotional satisfaction attached to it. The asset — or sometimes the liability — is immediately visible.
But talk to that same person about investing a small amount through a SIP (Systematic Investment Plan), and suddenly the excitement fades. Excuses like “I have too many EMIs”, “I’ll start later”, or “Let’s wait for the bonus” start coming up.
The issue isn’t money.
The issue is mindset.
At RerassWealth, we believe the way people think about money shapes their financial destiny. That’s why we follow a simple rule we recommend to every client:
“Whenever you take an EMI, make it a rule to invest at least 10% of that EMI amount into a SIP for yourself.”
Not for tax-saving.
Not for quick returns.
Not because someone else asked you to.
But because it will quietly and steadily impact your financial life far more than any EMI ever can.
📌 Why EMIs Feel Compulsory and SIPs Feel Optional
EMIs feel compulsory because there’s a financial consequence if you skip them. Miss an EMI and you’ll get reminder calls, late payment fees, and maybe even a dent in your credit score. That’s why most people pay EMIs on time, every time.
SIPs, on the other hand, are treated as optional. Nobody will call you if you skip a SIP. No penalty, no reminder, no visible short-term consequence. And this is exactly where people go wrong.
An EMI is paying for your present comfort. A SIP is building your future freedom.
One gives you something tangible today. The other gives you quiet, growing wealth for tomorrow.
Most people prioritise the first and ignore the second — and later wonder why they feel financially stuck even after years of working hard.
📌 The Real Wealth Habit Isn’t Earning More — It’s Discipline
There’s a common myth that you need a very high income to build wealth. In reality, it’s discipline that makes you rich. It’s about how consistently and wisely you use your money, not just how much you make.
If you’re already paying ₹10,000, ₹15,000, or ₹20,000 every month as EMIs, you’ve proven you have financial discipline. You’ve shown you can adjust your lifestyle around a fixed, non-negotiable monthly outgoing.
You never skip your EMI, because you know there’s a penalty.
This is the same discipline required to build long-term wealth.
But while EMIs are forced commitments made to banks, SIPs are voluntary promises you make to your future self. One benefits the lender. The other benefits you.
If you can pay ₹20,000 to a bank every month without fail, surely you can pay yourself ₹2,000 as a SIP alongside it. Not because it’s a huge amount, but because it’s a meaningful start.
It’s not about financial ability.
It’s about financial priority.
📌 Why You Shouldn’t Let EMIs Consume Your Entire Financial Potential
One of the biggest dangers with EMIs is that they slowly drain your financial potential without you realising it. Every EMI you pay is a deduction from your future wealth-creating ability. Whether it’s a car loan, a phone EMI, or even a home loan, it’s money committed to assets that either depreciate or remain illiquid.
What about your other life goals?
Your child’s education?
Medical emergencies?
Your retirement plans?
Your dream to travel or start something of your own?
None of these goals will be achieved by your EMIs. They’ll be achieved by your investments.
And the sooner you start those, the better your future becomes.
📌 Why 10% Works: Small Enough to Start, Big Enough to Matter
Many people hesitate to start investing because they believe it requires a lot of money. But that’s not true.
The 10% rule makes it psychologically easy and financially effective.
If you’re paying ₹10,000 as EMI, investing ₹1,000 alongside it isn’t tough.
If you’re paying ₹20,000, keeping ₹2,000 aside won’t disturb your budget.
We all spend that much on casual weekend expenses — a meal at a restaurant, online shopping, or random subscriptions.
But when you channel that same small amount into a SIP, you’re planting the seed for wealth creation.
You won’t see immediate results.
But give it 10, 15, 20 years — and it will silently become your most valuable financial asset. The one that’s accessible, flexible, and quietly compounding even when you’re not watching.
📌 Comfort Isn’t Wealth — Freedom Is
There’s a common mistake many people make — they confuse lifestyle upgrades for wealth.
A bigger house, a new car, or the latest phone doesn’t make you rich. It makes you comfortable.
Real wealth is when you have the freedom to decide when to stop working, how to spend your time, and the ability to handle life’s surprises without fear.
EMIs create comfort today.
SIPs create freedom tomorrow.
And smart people don’t just chase comfort.
They chase freedom.
📌 Make This a Rule. No Exceptions.
From today onwards, make yourself one simple promise:
“Whenever I take an EMI, I’ll start a SIP worth at least 10% of that EMI amount.”
No excuses.
No postponements.
No debates.
This simple financial habit will do what no salary hike, no bonus, and no side hustle can do — it will quietly shift your financial life from reactive to proactive. From debt-driven to wealth-driven.
And remember — you don’t invest because you have extra money lying around.
You invest because your future deserves it.
📌 Final Thought from RerassWealth
At RerassWealth, we’ve seen it countless times. People proudly pay EMIs for years, only to realise later they didn’t build any parallel liquid wealth. And those who quietly ran a SIP alongside their EMIs? They ended up with both — lifestyle comforts and financial freedom.
Your future won’t remember the car you bought or the phone you used.
It will remember the wealth you built.
So, whenever you think EMI — make sure you think 10% SIP too.
One day, when the EMIs stop, your SIPs will still be working, still compounding, and still securing your dreams.
Let’s build that future together.
📞 Rajesh Roushan | RerassWealth
📱 7991147238 | 🌐 www.rerasswealth.in