Bengaluru couple shares 5 money rules they swear by as dual-income parents

A Bengaluru couple outlined the five money rules they follow as dual-income parents in an Instagram video. The post sparked discussion around value-based spending, fitness, investing and shared household budgeting.Bengaluru couple shares 5 money rules they swear by as dual-income parents (Photos: @the12absproject/Instagram)A Bengaluru couple shared the five money rules they follow as dual-income parents, saying they prioritise experiences, fitness and investments over luxury purchases or trying to impress others.Megha and Shubham, a Bengaluru-based couple who regularly post fitness and lifestyle content on Instagram, shared a video explaining the financial habits they believe have worked best for their family.In the video, the couple introduced themselves as parents to a toddler, owners of a pet dog and professionals juggling two full-time jobs while following what they described as a shared bank account philosophy. They then walked viewers through the five financial rules they live by.Their first rule was to avoid spending money to impress others. They explained that they do not buy expensive cars, designer clothes or jewellery simply for appearances. Instead, they choose to spend on things that directly improve their quality of life, particularly their home and the neighbourhood they live in, as that is where they spend most of their time and where their daughter is growing up.Their second rule focused on creating memories rather than collecting possessions. The couple said they make it a point to take one international holiday every summer, plan multiple staycations throughout the year and travel to visit their parents whenever needed, especially during festivals. According to them, experiences with family are far more valuable than material purchases.Fitness came next on their list. Calling it a non-negotiable investment, they said they willingly spend on healthy food, quality products and gym memberships because staying healthy today could help them avoid expensive medical bills in the future. They added that they do not believe in postponing healthy habits until "next month."The fourth rule revolved around investing. They explained that they make sure to invest more every year than they did the previous one, with every financial goal backed by a clear plan. According to them, the value of their investment portfolio matters much more than the vehicle parked outside their home.Finally, the couple shared how they divide their household expenses despite both earning. One partner takes care of fixed monthly costs such as rent, utility bills and household staff salaries, while the other manages groceries, shopping, travel expenses and credit card bills. They concluded by saying that while these rules may not work for everyone, they have helped bring clarity and stability to their own family finances.Watch the video here:The video prompted an active discussion online, with many viewers appreciating how the couple focused on financial priorities rather than social status.Several users said the emphasis on spending according to personal values instead of public perception felt practical and refreshing.Others particularly liked the idea of investing in health, arguing that preventive spending on fitness is often overlooked despite potentially saving significant healthcare costs later in life.Many commenters also praised the couple's structured approach to managing household finances, saying clearly dividing responsibilities can reduce misunderstandings between partners.- EndsPublished By: Yashna TalwarPublished On: Jul 22, 2026 19:30 IST