Why does the middle class remain in India and how to break the cycle: the way to survive in California to address financial struggles

The middle class in India faces a difficult financial fact. High costs of living – extension of housing, education and health care – outperform wage growth, making stability more difficult to achieve. Limited access to high -quality public services increases family budgets, leaving many families in a permanent financial range.

In the midst of these challenges, the Nitin Kaushik legal accountant moved to X (previously Twitter) to clarify the reason for the feeling of many middle -class Indians, and most importantly, how they can liberate.

“Being a middle class is not only related to a decent gain – it is related to combating financial conflicts at each stage,” he wrote, before setting areas and solutions to the main problems:

1 ⃣ Retirement? Most of them are not ready
While EPF and PPF look like good options, inflation eaten savings. 1 spherical dollar today will not be worth much for 30 years.
✅ Reform: Start sips in stock funds. It aims to 20-30X annual expenses for safe retirement.

2⃣ Education costs are a silent killer
Schools and colleges fees rise faster than salaries. By the time the child reaches the kidney, costs can double.
✅ Fix: Building an early educational box – PPF, Sukanya Samruddhi (for girls), or stock investments can help stay in the foreground.

3 – The medical emergency condition can destroy you
The health insurance provided by the employer may not be sufficient when medical bills reach 10 liters+.
✅ Reform: Buy a health insurance plan ranging between 10 and 20 years and adding a very important disease to financial protection.

“The Truth Bomb: Most middle -class families work hard, but they remain besieged in this session,” and concluded his saying.

Besides personal financing struggles, regulatory issues such as bureaucratic inefficiency and weak infrastructure limit upward movement. The families of the middle class often find the same in managing daily expenses and securing their future, creating a cycle of financial stress that is difficult to escape.