A high income does not automatically mean financial strength.

Many Indians are earning well, but still feel financially stressed because most of their salary is already committed to EMIs, rent, lifestyle upgrades, loans, and family responsibilities.

In this episode of The Long Game, I speak with Megha Bang about the real money problems Indian households face — especially when people look financially successful from the outside but have very little savings, emergency fund, insurance, or investing discipline.

We talk about:

• Why high income does not always reduce money stress
• How people get trapped in phone EMIs, car EMIs, home loans, and personal loans
• Why total EMIs should ideally stay around 40–45% of income
• Why home loan EMI should ideally stay around 30–35% o ...