How I Track Expenses After Early Retirement: ₹1.2 Lakh/Month on a ₹10+ Crore Net Worth
I still track expenses after becoming financially independent, but the purpose is awareness rather than restriction. During the 12-month period discussed here, our family of four spent approximately ₹14.49 lakh, or around ₹1.21 lakh per month. This article explains the simple system I use to understand spending patterns, distinguish everyday costs from irregular expenses and connect our actual lifestyle to financial-freedom planning. The aim is useful clarity, without turning every family purchase into a budgeting exercise.