Simridhi Makhija, founder of Bengaluru-based event platform The Speak Fest, says having 20 to 30 lakh rupees saved in your bank account is essential for mental peace. She argues that financial security, not luxury spending, is the real reason to build savings. Her viral video on the connection between bank balance and nervous system regulation has sparked widespread discussion among young professionals.
Financial Security Reduces Life Anxiety
Makhija explains that sudden troubles like job loss, family financial needs, or a health crisis create immense stress. Having 20 to 30 lakh rupees in your account reduces the worry about what comes next. She says money is not important for dining at expensive restaurants every weekend or shopping freely. It matters because you stop fearing the future when you have that safety net. The founder emphasizes that financial security helps you sleep better at night.
Nervous System and Money Connection
The founder says the nervous system processes information from inside and outside the body. When people say they need to calm their nervous system, they are usually under too much stress. Financial security is the best way to handle this problem. Therapy, reading books, and hobbies are good methods too. But Makhija believes savings earned through your own hard work give unmatched mental peace. She says therapy alone cannot fix the root cause of chronic stress.
Cash Flow Struggles Harm Happiness
Based on her personal experience in Bengaluru’s startup ecosystem, Makhija says founders with cash flow problems are not happy. Those without consistent cash flow struggle in every aspect of life. Founders who have achieved success are content in all other areas. She stresses that you must address the root cause of your nervous system’s constant alert state. Until you deal with the financial insecurity at the core, temporary fixes will not make you feel better in the long run.
Building a Financial Cushion Matters
The Speak Fest founder urges young Indians to prioritize saving before spending. A bank balance of 20 to 30 lakh rupees acts as a buffer against life’s unexpected events. She believes that earning your own money and watching it grow builds genuine confidence. In a world full of economic uncertainty, a solid savings account offers the kind of peace that no external validation can provide.
