Why financial advisor Shivani Gera chose ₹20 lakh over ₹30 lakh?

Financial advisor Shivani Gera explains why she rejected a ₹30 LPA job in Bangalore for ₹20 LPA in her hometown. At ₹30 LPA, her monthly savings were ₹90,000-₹1 lakh after rent, transport, food and lifestyle costs. At ₹20 LPA, with near-zero fixed expenses, her savings rose to ₹1.18 lakh a month, proving lower CTC can mean higher real wealth.