Making a tradeoff between current and future needs

The takeaway of the discussion is that we need to examine whether the expense is required at all. If yes, then the next question is to find out the impact of the expense on the future requirements. If the expense is not required, then it has to be used for meeting the future requirements as one rupee saved is equal to one rupee earned. But it does not mean that one has to tighten as much as possible on his current requirements. As long as one is able to have a trade-off between his present and future requirements, he is not into the ‘just one fallacy’.