Middle-class money reality: Is Rs 1,00,000 montly salary only worth Rs 30,000? CA says the reason is not overspending but something else

A Gurugram-based chartered accountant has sparked a discussion on social media after claiming that a ₹1 lakh monthly salary now feels like ₹30,000 because of rising living costs, not reckless spending. Through a detailed expense breakdown, she explained how rent, groceries, transport, bills, investments and savings quickly consume the income, with many users agreeing that the budget reflects the financial reality of India's middle class.

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