An Indian woman living in New York City has sparked a conversation online after sharing the financial rules she follows with her husband while earning more than $500,000 a year. The woman, identified as Alisha Beotra, posted a video on Instagram explaining the simple principles that guide how she and her husband manage their spending, savings and investments.
In the video, she says,“My husband and I make over $500,000 living in New York City, and here are some of the basic money rules that he and I follow.”
Pay yourself first and value time over status
Beotra explained that their first rule is prioritising savings before spending. According to her, they automatically move a portion of their income into investments as soon as their salary is credited.
"Number one, every month we pay ourselves first. So every month, as soon as our paycheck hits our bank account, we automatically transfer anywhere between $3,500 to $5,000 in our brokerage accounts, and then take care of all our other expenses," she says in the video.
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Another rule they follow is focusing on spending that saves time rather than buying luxury items just for show.
She shared, "Number two, we pay for time and not flexes. So if there's anything that's going to help us get our time back and cost less than our hourly income, and we can use that time to upskill ourselves or just to make more money, we're going to take it. But you will likely not see us spending on unnecessary designer flexes just to impress people who don't really care."
Utility spending, credit cards and investing in learning
Beotra also said they are willing to spend money on practical items that improve their daily life.
"And just like that, point number three, you're going to see us drop $1,000 or more on things that are utility purchases, but not necessarily things that are flashy. And one small example of that is this Herman Miller chair that I have put a picture of, which we spent about $1,400 or $1,500 on last year. And it's worth it. We sit in it almost every day."
She added that the couple regularly uses credit cards to maximise travel rewards and spends money on learning new skills. She shared, "Number four, we are definitely not afraid of credit cards and use them to spend on every single thing so that we can maximize our points and pay for flights and hotels whenever we can."
The post added, "And lastly, number five, you will always see us investing in getting an edge. And what I mean by that is Abhilash spending $3,000 or $4,000 on a course that teaches him investing, even though he already has a CFA charter and has an MBA. Or both of us, for example, spending $200 each on a Claude code subscription. Because yes, it's totally worth it. And more importantly, we don't want to be irrelevant in the future."
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Internet reacts
The video has received more than 61,000 views so far and generated several reactions online. Many users agreed with the couple’s approach of investing in learning and skills.
One user wrote, "Spent on AI subscription a month ago best decision ever." Another commented, "This sounds so cool." A third user said, "I follow this to stay relevant," while another questioned the strategy, writing, "What’s the point when you don’t have enough money to waste on luxuries."
