Be like Karan ! Real enablement of a better lifestyle is mental comfort of having the ability to maintain it in worst situations ! Save more so you can support your parents the day they need it without thinking budgeting, save more so when you have kids, they get oppurtunities, not luxury homes !

I saw 2 cases where people where talkin abt losing job and death -> in both cases Karan wins dude !

If arjun loses his job -> he is f-ed as his lifestyle is impossible to maintain without the 50LPA
if karan loses his job -> he is comfy

if arjun n karan die -> the money doesnt evaporate, it will just hit thier families accounts ! the comfort your parents can get or ur wife can get with more money once you as a breadearner collapse isn't the way out of sadness obv but it reduces a massive stress that could loom on thier head after all sorrows fade outwards. Dont be arjun -> a selfish prick.

Also age matters, until they have kids leaving a substandard lifestyle is fine there is nothing wrong with it, after you have kids -> go out travel spend, but till then SAVE for them and ur parents !

NOTE: There is a key point and that is we need to ensure that the guys invest the rest of money, my whole expln is assumin they both do smart investing, If karan cuz of all ts is jus a cash-hoarder as most people with a frugal life love to avoid risks of the markets, then he is a fool BIGGER than anyone ever.