For much of the last decade, Indian retail investors have been conditioned to focus on one number above all others: returns. Mutual fund advertisements flash past performance. WhatsApp groups celebrate multibagger tips. Portfolio trackers highlight winners in green and hide the losers.

Most people would answer the above question in the negative. It doesn't matter whether you are earning ₹5,000 or ₹5 lacs a month, almost everyone feels the need to earn more.