The Economic Times

He was earning Rs 40 LPA. Yet he was unable to save Rs 30,000 at the end of each month. X user explains why : ' Middle class trap....'

A 32-year-old tech professional earning over 40 lakh annually struggles with low monthly savings. His substantial home loan installment of 1.12 lakh consumes over half his salary. Car loan and living expenses further reduce his disposable income. This situation highlights how large assets financed by loans can lead to cash flow constraints.