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...

₹100. That's what Rajesh from Hyderabad started with in 2020. Today, his portfolio is worth ₹14.2 lakhs. And he's not alone. While most Indians think you need ₹50,000 or ₹1 lakh to start investing, a quiet revolution is happening. Millions of Indians are building serious wealth with pocket change – literally ₹10, ₹50, ₹100 at a time. The secret? Micro-investing apps that have completely changed the game. I've spent the last 3 months analyzing data from India's top micro-investing platforms, interviewing real users, and testing every app myself. What I discovered will shock you. The ₹100 Millionaire Formula That's Breaking the Internet Here's the math that's making headlines: ₹100 per day × 365 days = ₹36,500 per year ₹36,500 invested at 12% annual returns for 20 years = ₹26.4 lakhs But that's just the beginning. The real magic happens when these apps automatically increase your investments, compound your returns, and make investing so easy you f...