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"You'll own less, pay more": Investment advisor explains how inflation, debt traps could break you in next 5 years; 3 things that can save you

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You’re not earning less, but your money might be worth less than you think.

Investment advisor Abhijit Choksi recently shared a thread on X, explaining why people are struggling financially, even if their salaries haven’t changed. It’s not just about inflation, he says, it’s about a system quietly designed to take more from you while giving you less in return.


“You’re Just Being Robbed Silently”
We’ve all noticed prices going up. But Choksi says there are actually two types of inflation. “1) Visible: Price tags rising 2) Invisible: Quality shrinking, portions disappearing”


Visible inflation is obvious, you see it when petrol prices jump or grocery bills go up. But the more dangerous one, according to Choksi, is invisible inflation. That’s when you’re paying the same amount but getting less in return.


“Same biscuit brand. Same price. But inside? Two biscuits less. It’s called shrinkflation, and it’s designed to fool you.”

Not Just Snacks, Your Whole Life

Shrinkflation isn’t only about food. It’s happening across your entire life.

“Mumbai flats: Rs 50 lakh to Rs 2 crore in just 10 years. Job salaries: Almost the same, while your rent doubled.”

So, while the prices of homes, food, and other basics are going up, your income is standing still. Choksi calls this “silent theft”, you don’t see it happening, but you feel it every day.

A System That Keeps You Stuck

Choksi argues that this isn’t mismanagement, it’s how the system was built. “The system isn’t failing. It’s working exactly as designed.”

According to him, it starts with central banks printing more money, making each rupee less valuable. At the same time, big companies shrink their products but keep prices the same. And to cover the gap, people are pushed towards loans, EMIs, and credit cards.

“You can’t afford anything? Use a Credit Card/Take a loan. Pay interest. Stay trapped.”

Who’s Behind It?

Choksi claims the problem lies in how power and money are controlled.

“Corporates: Cut quality, increase prices, maintain profits. Governments: Create excess money, tax your salary. Global elites: Fund all of it and profit from every stage.”

He explains that the same cycle has happened before, during the 2008 crash, the 2013 rupee crisis, and the 2020 lockdowns. And now, it’s repeating again in 2025.

What to Expect by 2030?

Choksi warns of what he calls “digital inflation”, extra fees in online payments, rising subscription costs, and fewer benefits.

“By 2030, you’ll own less, pay more, and wonder where your life went.”

He says renting will become the norm, home ownership will feel out of reach, and your salary will struggle to keep up with your basic needs.

How to Protect Yourself?

“Invest in Anti-Inflation Assets: Gold, land, and skills. Beat inflation by not depending on savings alone. Think like the rich. They buy early, invest in the system, and ride the wave.”

Instead of only saving, he suggests focusing on things that grow in value over time, like land, gold, or new skills.

Final Words Choksi ends with a warning
“Inflation isn’t random. It’s engineered. Every shrink or surge is meant to exhaust you, mentally and financially.”

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