How is Satyajit's financial crash introduced to the reader?

 Satyajit has an entire list of denials. He was working on quitting some habits like smoking. This realisation dawned on him when he was about to smoke in the train he was travelling on. While reaching out for his cigarettes he gave it a second thought. He had rationed his habits as it was a time of crisis for him. He could not afford unrestricted luxury. He was bitten by the stark reality that the wheel of fortune did not favour him.