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

  You wake up tired. You go to work tired. You scroll Instagram tired. You even rest — and still feel tired. But it’s not your body. It’s not your job. You’re financially exhausted — and no one is talking about it. 🔍 What Is Financial Exhaustion? It’s the silent mental fatigue that comes from: Constantly worrying about money Living paycheck to paycheck Juggling EMIs, rent, credit card bills, and savings guilt Feeling like you're running... but never arriving You’re not lazy. You’re not unmotivated. You’re just tired of surviving . 🔄 The Daily Cycle: Wake up with stress Rush to work Spend 9 hours to make just enough Feel guilty about small luxuries Go to sleep anxious Repeat Your salary buys survival , but not peace. 🧠 Financial Stress Is Emotional Labor And it shows up as: Irritability over small things Fatigue even after sleep Avoiding calls from unknown numbers Feeling like rest is unearned unless you're earn...

  You got a raise. You upgraded your phone. You moved to a better flat. Started dining out more. Your salary grew — but your bank balance didn’t. Sound familiar? You’re stuck in the Lifestyle Trap — where the more you earn, the more you spend… and the further you drift from true wealth. 💸 What Is the Lifestyle Trap? The Lifestyle Trap (aka Lifestyle Inflation ) is when: Your spending increases every time your income increases — So you stay in the same financial position … just with fancier stuff. You feel successful. But you’re one emergency away from a crisis. 🔍 The Silent Symptoms of the Trap You earn more but still live paycheck to paycheck Your EMIs and subscriptions grow faster than your savings You need salary day to feel 'safe' again You constantly “deserve” rewards for hard work Your lifestyle is for showing off, not showing progress You don’t realize it because everyone around you is in the same trap. 🧠 Why We Fall Into It So...