Missed Starting Early? Pranjal Kamra’s Tips To Catch Up On Your Financial Goals

What if you’ve missed the “start early” advice and are only beginning your financial journey in your 30s? Pranjal Kamra, CEO of Finology, explains how to catch up without panic. He suggests two practical levers: extend your retirement age by a few years to give your investments more time to grow, and reduce your current expenses by 5–10% to lower the corpus you’ll need. Even small adjustments—like delaying retirement from 50 to 54, or cutting monthly spend from ₹1 lakh to ₹90,000—can dramatically improve your financial outlook. Combining both strategies can help you make up for lost time effectively.