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Niket Raj Dwivedi

ย โ€ขย 

Medialย โ€ขย 2m

๐Ÿ’ธ The EMI Epidemic- The silent trap thatโ€™s swallowing an entire generation- one โ€œmilestoneโ€ at a time. Most Indian graduates start their careers earning < โ‚น50K/month at 22 or 23. By the time theyโ€™re 27 or 28, many manage to reach โ‚น1-2L/month. Sounds like progress, right? But this is exactly when society whispers: โ€œItโ€™s time to settle down.โ€ That whisper quickly becomes pressure. And that pressure becomes EMIs. What does "well-settled" mean today? Let me break it down: โœ… Car EMI โ€“ โ‚น15K/month for 5 years โœ… Home loan EMI - โ‚น80K/month for 20+ years โœ… iPhone EMI - โ‚น5K/month for 2 years โœ… TV, trips, gadgets - โ‚น5-10K/month โœ… Wedding loan - โ‚น30K/month for 3 years (yes, wedding loan is a thing) Even if you do everything right and hit โ‚น2โ€“2.5L/month in a Tier 1 city- youโ€™re still spending โ‚น1.5L+ on EMIs every month. But life doesnโ€™t care about your Excel sheet. ๐Ÿ›‘ You could get laid off. ๐Ÿ›‘ You could get into an accident. ๐Ÿ›‘ You could burn out. And just like that, youโ€™re trapped. Not because you werenโ€™t capable- but because you played someone elseโ€™s game. Iโ€™ve seen so many friends get stuck in this cycle. Living paycheck to paycheck in Gucci belts. No emergency fund. No breathing room. Just status symbols bought on monthly payments. ๐Ÿ‘‰ My advice to young professionals: If itโ€™s a personal expense, avoid EMIs. Avoid debt. Youโ€™ll breathe easier, sleep better, and live your life- not one dictated by relatives, rishtedars, or Instagram reels. Donโ€™t buy a house because society says you must. Buy it when you have the cash- even if itโ€™s at 35 or 40. Youโ€™re not late. Youโ€™re just not rushing. Break the cycle. Choose freedom over flex. Be smart. P.S.- I had to write about this after a long conversation with a close friend who is super stressed about all his EMIs and never ending expectations.

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