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...

"If you want to change your bank balance, start by changing your beliefs." Why do some people earning ₹30,000/month feel richer than those earning ₹1 lakh? Why does your salary keep increasing—but your savings never do? It’s not just inflation. It’s mindset inflation. And it’s quietly draining your wealth. This blog is your wake-up call. 🤯 You’ve Been Programmed to Stay Poor Let’s face it—most of us weren’t taught how to manage money. We were taught how to fear it. Think back: “Money doesn’t grow on trees.” “Investing is risky.” “Only people with government jobs are safe.” “Buy a house as soon as possible—even if it’s on EMI.” These aren’t financial strategies. They’re mental roadblocks passed down like heirlooms. The result? You keep chasing income… but never build wealth. 💥 The ₹10,000 Shift That Changed My Life Let me tell you a simple rule I created in my second job when I was earning ₹32,000/month: “Every ₹10,000 I earn must work harder than I do...