The video features a man identified as Amit, who shares a straightforward piece of financial advice for young people: only buy what you can comfortably afford instead of taking on expensive EMIs that strain your finances.
Amit's Advice: Avoid Getting Trapped in an EMI Cycle
In the viral clip, Amit says people may make many mistakes in life, but one mistake they should avoid is getting caught in an endless cycle of EMIs.
"Never get trapped in an EMI cycle," he says.
According to Amit, many people dream of owning a car, and parents often wish to see their children achieve that milestone. However, he believes that taking on an EMI beyond one's financial capacity can leave people spending their youth focused on repayments instead of building long-term financial security.
The Excitement Fades, But the EMI Remains
Amit argues that buying an expensive item may bring temporary happiness and a sense of achievement, but that excitement often fades quickly. What remains, he says, is the monthly obligation to keep paying the installments.
He believes these financial commitments can force people to compromise on other priorities, limiting their ability to save, invest, or enjoy financial flexibility.
Financial Stress Is More Than Just Money
Beyond the monetary burden, Amit also speaks about the emotional impact of carrying long-term debt.
According to him, constantly worrying about EMI payments can create stress that affects both professional and personal life. The fear of missing an installment or struggling to manage monthly expenses can become a recurring source of anxiety.
Buy Only What You Can Comfortably Afford
Amit encourages people to avoid making purchases that exceed their income.
He says that if an expensive purchase cannot be comfortably supported by one's earnings, it is better to wait rather than rush into financing it. In his view, peace of mind is far more valuable than owning costly possessions that later become a financial burden.
The Instagram post featuring the video reinforces the same message. Its caption advises people not to build a lifestyle around EMIs simply to impress others, adding, "True luxury is financial freedom. Today's show-off can become tomorrow's stress, and peace is more valuable than impressing people."
Internet Reacts With Mixed Opinions
The video has sparked a lively discussion across social media, with users expressing differing views on the role of EMIs in financial planning.
One user wrote, "You are right."
Another commented, "I am already stuck in this loop."
While many agreed with Amit's warning against unnecessary debt, others argued that EMIs are not inherently bad. Several users pointed out that responsible borrowing can help people achieve important milestones, such as buying a home, a vehicle, or investing in education, provided the repayments remain within their financial means.
As the debate continues online, the viral video has once again highlighted a question many young earners face: are EMIs a practical financial tool, or can they quietly become a long-term financial trap?
