He earns ₹1.2L/month. But ends each month broke. No loans. No emergencies. Just drift. Because high income ≠ control. Still think tracking is for the broke?

A ₹499 SIP in 3 funds doesn’t make you an investor. It makes you: — Overdiversified — Underinvested — Emotionally lazy Wealth isn’t built monthly. It’s built with intent. Still proud of your SIP?

PG landlords in India demand cash. Not because UPI is broken. But because GST isn’t. Online rent = 12% GST Cash rent = 0 paper trail Still think black money is only for the rich?

If you’re single, young and have capital Avoid a job at all costs. Try a business for 1–2 years. Jobs crush your soul and creativity. They turn you into a paycheck addict.

Earn ₹15 lakh/year? • Tax: ₹1.6 lakh • EPF: ₹0.9 lakh • Loan EMIs: ₹4.5 lakh What you actually own = ₹8 lakh. But you live like you make ₹15L. This is how high income becomes low wealth.

A typical Indian Uses a free app that sells their data, pushes loans, and spams them. Yet won’t pay for a private Excel tool Why?