The Income Lab | Smart Money Tips for Middle-Class Indians

  Artificial Intelligence isn’t “coming someday.” It’s already here — quietly replacing tasks, speeding up work, and making average people twice as productive. But here’s the truth nobody tells you: 👉 AI will not replace you. But a person who knows how to use AI definitely will . Most people in India still think AI means robots, sci-fi movies, or “very technical stuff.” What they don’t realize is that AI is now doing real, everyday work across almost every industry. If you’re earning ₹15K… ₹30K… ₹70K… even ₹1 lakh a month — AI can either: ❌ Make your skill outdated, or ✅ Make you 2X–10X more valuable. It depends on one thing: Whether you learn it now or ignore it. Here are 7 AI tools that are already transforming jobs — and how you can use them to boost income, even without technical knowledge. 1. ChatGPT – The Ultimate “Brain Assistant” What jobs it affects: Writing, research, marketing, HR, customer support, coding, sales. What ChatGPT can do for you: Wri...

  Most people don’t go broke because of one big mistake — they go broke slowly, quietly, and unknowingly through small habits that feel harmless in the moment. The ₹30 tea that happens three times a day. The online subscriptions you forgot. The weekend food delivery that feels “just this once.” The EMI that was manageable… until you took another one. These tiny decisions, repeated daily, trap millions of middle-class Indians in the same loop every month: Salary in → Bills → Random spends → Zero savings → Regret → Repeat. If this feels painfully familiar, you’re not alone — but you also don’t have to stay stuck. The truth is simple: You don’t need a higher salary to grow wealthy. You need better habits. Here are five small but life-changing habits that can turn your entire financial life around — starting this month. 1. Track Every Rupee You Spend — For 30 Days Yes, every single rupee. Not in a fancy app. Not in a complicated Excel sheet. Just a simple notebook or ...