CA Nitin Kaushik, a chartered accountant, has shared insights on the importance of starting small when it comes to investing. He argues that many young earners delay investing because they aim for large monthly contributions, such as Rs 50,000, which may not be feasible. Instead, he suggests starting with a modest Rs 5,000 monthly Systematic Investment Plan (SIP) and increasing it by 10% each year. Over 30 years, this approach could yield approximately Rs 6 crore if the investment grows at an annual return of 12%. Kaushik also illustrates that even a smaller SIP of Rs 2,000 could grow to around Rs 2 crore, while a larger SIP of Rs 20,000 could reach about Rs 22 crore. The key takeaway is that consistency and gradual increases in contributions can have a more significant impact than starting with a large sum. Kaushik emphasizes that many people get caught up in the idea of needing to invest large amounts upfront, which leads to procrastination and missed opportunities. By adopting a mindset of starting small and increasing contributions as income rises, individuals can take advantage of compounding returns over time, making investing a more approachable and sustainable habit.