🏠 Middle Class Poor: Why You Feel Broke Even While Earning ₹60,000+ a Month

You’re not poor. But you’re not rich either.

You have a salary. A smartphone. A Netflix subscription.
Yet by the 20th of every month, you're broke.
Why?
Because you’re "Middle Class Poor" — and you don’t even know it.

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🔍 Who Are the ‘Middle Class Poor’?

They’re not struggling with hunger. But they’re struggling with:

• EMIs

• Lifestyle inflation

• Zero savings

• Financial anxiety

You earn ₹60,000 but save ₹2,000.
Your salary grows. But so does your Zomato bill.
You buy an iPhone on EMI but can’t handle a ₹10,000 emergency.

This is modern poverty — disguised in branded clothes.

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📉 5 Reasons Why You Feel Broke Despite a Good Salary

1. Lifestyle Inflation

Salary ↑ = Spending ↑
You move from a budget phone to a flagship. From local food to Swiggy daily.
But your savings don’t grow — your expenses do.

2. EMI Trap

“Only ₹2,500/month” sounds small — until you stack 5 of them:

• Phone EMI

• Bike EMI

• Laptop EMI

• TV EMI

• Vacation EMI

You're locked in future payments... with present regret.

3. Lack of Emergency Fund

1 medical emergency = swipe the credit card
That’s not freedom. That’s fragility.

4. Zero Investment Discipline

Saving money in your account = losing to inflation
If you’re not investing (in mutual funds, PPF, ELSS, etc.), you’re just working for today.

5. Peer Pressure Spending

You go to Goa, not because you want to — but because your friends did.
Financial FOMO is real. And expensive.

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💡 The Cure: How to Escape the ‘Middle Class Poor’ Trap

✅ Track Every Rupee
Use apps like:

• Wallet

• Money Manager

• ET Money

✅ Save Before You Spend
Follow the 50-30-20 Rule:

• 50% needs

• 30% wants

• 20% savings/investments

✅ Build an Emergency Fund (₹50,000 – ₹1L minimum)

✅ Start SIPs
Even ₹500/month can grow into lakhs if you start now.

✅ Cut “Flex” Spending
You don’t need a new iPhone to prove you’re doing well.
True flex = having money when others don’t.

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🔥 Final Thoughts:

Being broke is not about income.
It’s about habits.
You’re not Middle Class Poor because of your salary —
You’re Middle Class Poor because of your choices.

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