New Delhi, Feb. 24 -- Most Indians do not struggle with money because they lack information. They struggle because acting on that information-consistently and over long periods-is far harder than it appears.

Ask almost anyone whether they should start investing early, run SIPs regularly or increase contributions as income rises, and the answer will be an easy yes. Yet, millions delay starting, pause systematic investment plans (SIPs) midway, or fail to step up investments even as salaries grow. The gap between intention and action remains one of the biggest challenges in household finance.

The data makes this clear.

SIP inflows in India have grown steadily, crossing Rs.17,000 crore a month in 2024. At the same time, stoppage ratios rem...