A 22-year-old professional's Reddit post has ignited a lively discussion about the culture of equated monthly installments (EMIs) among young earners. The user, who earns well for his age, expressed concerns about the trend of taking loans for expensive purchases like cars, citing personal struggles with repaying a phone bought on EMI during college. He posed a simple yet profound question: “Why not save first?” This sentiment resonated with many, particularly those navigating the balance between lifestyle upgrades and financial stability early in their careers. Responses varied widely, with some users sharing that family responsibilities often limit their ability to save, while others defended the use of loans as a financial strategy when managed properly. One user pointed out that big-ticket items like cars and houses are often financed by banks, suggesting that loans can be beneficial if the returns on investment exceed the interest paid. The conversation also touched on behavioral finance, with some arguing that loans allow individuals to enjoy life now rather than waiting years to save. Ultimately, the discussion illustrates that EMIs can be both a useful tool and a source of stress, depending on individual circumstances and choices.