Love, money, and SIPs: How couples can really build wealth together

Money can be a source of tension in relationships — or it can become a powerful tool for building a shared future. The difference often lies in how couples plan, communicate, and align their goals.

 

A financial plan shared by advisor Vijay Maheshwari on LinkedIn shows how a couple earning a dual-income household ₹1.75 lakh a month decided to map their earnings with intention:

 

₹70,000 goes towards living expenses, striking a balance between comfort and savings.

 

₹48,000 is committed to investments, ensuring their future grows as they live well today.

 

A steady ₹2,000 a month is set aside for emergencies — because life always has surprises.

 

 

On the investment front, they’ve diversified smartly:

 

₹10 lakh in debt funds brings stability and acts as a cushion.

 

₹21.6 lakh in equity SIPs creates long-term growth potential.

 

With a 10-year SIP strategy, these projections are conservative — yet powerful. By staying consistent and letting compounding do the heavy lifting, this couple is well on their way to long-term financial independence. 

₹1,75,000 combined income mapped carefully across essentials and investments.

 

The Real Secret?

 

It’s not just about the numbers. It’s about:

 

Communication – openly discussing money without judgment.

 

Planning – setting shared goals and revisiting them regularly.

 

Consistency – sticking with the plan, even when markets fluctuate.

 

So the next time you sit down with your partner, ask: Are we building wealth together, or just spending side by side?

 

 Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance may or may not be sustained in the future.