I haven't saved a single penny in last 3 yrs

I am an average software developer in India from Tier 2 city with average income. Every day I watch a new piece of interesting tech being launched with half of my salary price tag. Today I was watching these Brilliant AI glasses and wanted to see if I can even afford that or not. I don't know what kind of rant I am writing but I am really frustrated of watching things being launched that I cannot purchase. Hell I cannot even purchase a Chat GPT subscription although I earn around 60-70k (I come from a really poor family so 60-70% of my income goes to loans etc)

I grew up in a family which used to be just above poverty line. My mom had worked a lot to provide making 7K a month. I now have a job that pays 15lpa. Other than good food on table I'm not sure what i should do with the money. I save everything left after removing house expenses Which is 75% of my income. I know saving is good but i don't want endup saving a huge pile and dying without using any of it.i want to exprfi6good things. How did you guys spend when you tried to raise from almost poor to a decent standard of living

It can be anything related to not doing something you always wanted to but never did, a mistake you realize you shouldn’t have made, or feelings of not being successful enough. Feel free to share your thoughts.

This is very new for me to spend 37k on a phone, it is not financially bad decision for me at this point of my life. But people talk about roots, I grew up in a lower middle class family with a frugal mindset. I am confused. How do you folks who came from a similar background and making a okish to decent amount of money now spend on things you always wanted without feeling guilty?

I am a fresher earning roughly 1 cr post tax. I started investing a little late but I am now consistent with my SIPs which I started at the age of 8 by saving 500 a month of my school bus fare and pooling a ride in my father's car with a step up of 10% every year. There was no driver so that we could save some money and put it in a fixed deposit every year. I stay at my home so that I can save some rent. I don't get the privacy that a fresher looks for because my family is mostly out of the country and I had to get 24 hrs house help. But I am okay with it. Nobody gets everything. Now I am paying around 48 lacs as income tax. What am I doing wrong and how to spend money wisely. And how can I make sure that I get paid according to the market standards and not get exploited by the system. PS: is buying a new iphone 15 worth it as gold plated iphone 15 pro max is very costly.

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs. i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

I get a salary of 36000 where in 11000 is my rent and then have to take care of my household expenses and gym expenses. How should I start savings, I am 31 years old with 0 savings. When I see my friends fellow mates, they are earning really good have their own house cars everything. I have done MBA however I don’t have much years of experience