Hardworking, salaried, and still broke? India’s middle class might be stuck not from low incomebut from bad money habits, says Dime founder Chandralekha MR.

In a LinkedIn post, Chandralekha called out four behavioural patterns that quietly trap the Indian middle class in a cycle of survival, not financial growth. “India’s middle class works hard, earns decently, and still struggles to build wealth. Not because of lack of income but because of lack of financial structure,” she wrote. Advertisement

The typical pattern: salary comes in, bills and EMIs go out, and saving happens if anything is left over. “That’s not financial planning. That’s financial survival,” she added.

Chandralekha argued that most money problems aren’t about math—they’re about behaviour. Among the top culprits:

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