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

🤯 "You don’t need more money — you need a better money mindset." If you’ve ever thought: “I’ll save more when I earn more.” “Investing is only for rich people.” “I’m just not good with money.” Then this blog is for you . Because the truth is this: Your income doesn’t control your wealth . Your mindset does . Let me introduce you to something I call the ₹10,000 Mindset — a hidden mental habit that’s keeping millions of Indians stuck in middle-class money traps — no matter how much they earn. 🪤 What is the ₹10,000 Mindset? It’s a subconscious belief system that says: "If it’s less than ₹10,000, I don’t need to worry about it." This belief shows up in everyday decisions like: Spending ₹300/day on Swiggy without guilt Subscribing to 6 streaming apps, forgetting to cancel “Treating” yourself every weekend even when you're broke Avoiding SIPs or investments because "₹1,000/month won't do much" You treat small spendi...

🧠 “Where did all my money go?” If you've ever asked that question by the 15th of the month, this blog is for you. It doesn’t matter whether you earn ₹25,000 or ₹2,50,000 a month—most Indians are stuck in a financial hamster wheel : Salary in. Swipe, spend, splurge. Regret, wait, repeat. Sound familiar? Don’t worry—you’re not alone. And you're not bad with money . You're just trapped in a cycle no one taught you how to break. That’s why we created the 30-Day Salary Detox —a practical system that helps you reset, reflect, and rebuild your money habits in just one month. 🚨 Why the Salary Detox Is Needed Now More Than Ever Inflation is rising. Salaries feel stagnant. Even with a ₹60,000/month job, people are financially exhausted by the third week. And no, it’s not just because of spending. It’s because we: Get paid monthly Spend emotionally Budget reactively (if at all) Rely on credit to survive the last week 👉 Related: Why You’re Broke by the 2...

Have you ever wondered why no matter how much you plan, you always run out of money by the end of the month? It’s not because you don’t earn enough. It’s because most people manage their money on a monthly cycle —but our habits work weekly . Introducing the “Weekly Wallet Method” —a revolutionary yet simple system that can transform your personal finances forever. This method complements your past learning from: 👉 Why You’re Broke by the 20th of Every Month (Even With a Decent Salary) 👉 The Salary Trap: Build Real Wealth, Not Just Income ✅ What Is the Weekly Wallet Method? Simply put, this system breaks your monthly spending budget into weekly portions —so you only spend a fixed amount each week. You don’t need fancy apps. You just need discipline and a basic calculator. 🎯 How It Works (Step-by-Step): 1. Calculate Your Monthly Spending Budget Exclude your fixed expenses like rent, EMIs, SIPs, investments, and insurance premiums. Example: Monthly Salary = ₹50,000 ...