{"id":22299,"date":"2026-08-23T15:48:12","date_gmt":"2026-08-23T15:48:12","guid":{"rendered":"https:\/\/www.europesays.com\/poland\/22299\/"},"modified":"2026-08-23T15:48:12","modified_gmt":"2026-08-23T15:48:12","slug":"indians-saving-money-why-indians-save-so-much-while-europeans-spend-more-freely-indian-living-in-poland-explains-the-money-mindset","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/poland\/22299\/","title":{"rendered":"Indians Saving Money: Why Indians save so much while Europeans spend more freely: Indian living in Poland explains the money mindset"},"content":{"rendered":"

\"WhyRepresentative image generated using AI An Indian man who has been living in Poland for nearly a decade observed how Indians save money as if their lives depend on it, while Europeans spend freely. In a video shared on Instagram, a user named Our Unscripted Life shared observations that are bigger than a casual rant. He wasn\u2019t talking about the cultural shock, weather or food, but about money. And why do Indians hoard it while Europeans spend it?<\/p>\n

Why do Indians save so much money?<\/p>\n

\u201cWhy do Indians save so much while many Europeans seem more relaxed about money? After living in Europe for almost 10 years, I\u2019ve realised it\u2019s not just a mindset\u2014it\u2019s the system,\u201d the Instagram user said. According to him, the difference really boils down to how money is utilised for four things: healthcare, education, retirement and weddings.<\/p>\n

Healthcare<\/p>\n

\"HealthcareIn most European countries, sickness doesn\u2019t really trigger panic. One can simply walk into a hospital without thinking about whether they can afford the medical expenses. The system absorbs the cost. The state has already extracted that expense through taxes. \u201cEuropeans pay for their social security and healthcare, and it covers them in emergencies,\u201d the man observed. But he drew a contrast with India. \u201cIn India, people save for emergencies!\u201dWhile government hospitals often cover medical expenses, more complicated treatment could still affect a family\u2019s finances. Private healthcare dominates, and it is not always accessible to everyone. Ordinary people worry about going bankrupt if a medical emergency arises. So, saving for a rainy day is part of the financial plan.<\/p>\n

Education<\/p>\n

\"Students<\/p>\n

AI generated image <\/p>\n

Most European countries have free public schools. India has public schools too. But most people just don\u2019t send their children there. \u201cEurope\u2019s public schools are mostly free, while in India, parents have to send their children to private schools, which cost a fortune!\u201d the man said.Most feel that sending their children to public schools is a gamble. So, somewhere down the line, private schooling becomes mandatory. Fees pile up, while savings deplete. Children become expensive before they\u2019re even born, really! So Indians save for education as well.<\/p>\n

Retirement<\/p>\n

\"RetirementThe Indian man reveals the stark contrast between retirement in Europe and his home country. \u201cEurope\u2019s social fund gives peace of mind, but in India, people work tirelessly to save for their retirement fund.\u201dThat difference is crucial. In Europe, the state collects contributions and promises a return. It\u2019s not perfect, but it is highly functional. People can actually imagine a life after work that doesn\u2019t involve poverty.Things are different in India. A formal pension structure exists mostly for government employees. So, everyone else saves or dies working.<\/p>\n

Weddings<\/p>\n

\"English<\/p>\n

AI generate image <\/p>\n

Indians are obsessed with big, fat weddings, where thousands take part. Often, one\u2019s self-worth is tied to the grandeur of the wedding they throw. For parents, saving for the wedding is important. \u201cIndian parents spend an insane amount on weddings, unlike in Europe,\u201d he said.So, saving money for weddings also makes sense in India. In Europe, generally, weddings are more intimate, and people don\u2019t really spend a fortune.<\/p>\n

Internet reacts<\/p>\n

The video has gone viral on the internet, with many commenting on how people have to overcompensate when the system fails. It led to a larger discussion about India\u2019s taxes, public services and the financial responsibilities many families carry.\u201cIndians vote for the government which closes free schools, do not spend on healthcare and closes pensions. Indians love the government which talks about caste, religion, temple and vegetarian food; these are the important topics for Indians which affect their day-to-day life,\u201d one Instagram user commented.Another pointed to the hefty taxes in India: \u201cWorst part is, India is one of the nations which pay heavy taxes and in return do not even get a proper roadway.\u201dA third pushed back, citing the population as a possible problem. \u201cTrue, but do you know the main reason? It\u2019s our population. Our government can\u2019t support such a big population.\u201dOthers pointed to the strong culture of saving and supporting parents in India. \u201cThe concept of savings and sending money to parents is only found in very few countries like India. Especially the 90s kids have this bigger responsibility of being the sole breadwinner of the family, yet managing a whole family from a meagre salary.\u201dSaving money is no crime, but constantly living in survival mode could be. Life is meant to be lived, not just survived.Disclaimer: This article is based on an individuals observations and personal views. The comparisons are generalisations and may not represent the experiences or financial systems of every Indian or European<\/p>\n","protected":false},"excerpt":{"rendered":"Representative image generated using AI An Indian man who has been living in Poland for nearly a decade…\n","protected":false},"author":2,"featured_media":22300,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[13756,13757,13753,13755,13752,13754,9,13758],"class_list":["post-22299","post","type-post","status-publish","format-standard","has-post-thumbnail","category-poland","tag-education-expenses-in-india","tag-european-lifestyle","tag-european-spending-habits","tag-indian-weddings","tag-indians-saving-money","tag-money-mindset","tag-poland","tag-spending-habits"],"_links":{"self":[{"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/posts\/22299","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/comments?post=22299"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/posts\/22299\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/media\/22300"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/media?parent=22299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/categories?post=22299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/poland\/wp-json\/wp\/v2\/tags?post=22299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}