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Ever wonder why a higher salary never leads to a bigger bank balance? This isn’t just about bad luck, it’s an invisible cycle of EMI, lifestyle inflation, and cultural pressure that consumes our best years before we even realise it. While we chase the dream of luxury and stability, we are often just trading our freedom for "ultra small ticket loans" and lifelong debt traps. The reality is that the gap between rising inflation and stagnant income has never been wider. From the hidden dangers of the buy-now-pay-later culture to the shocking collapse of household savings in India, there is a systemic reason why the harder you work, the further away financial independence seems to get. This is the truth about the rat race that schools never taught you and banks hope you never find out. If you feel like you are working for your bank rather than yourself, it’s time to look at the math behind your life and understand how the system is designed to keep the middle class in a state of permanent hustle. About Groww: Groww is India’s Best Investment App and the Largest Stock Broker. Find us here: Android app: https://app.groww.in/v3cO/f9o4prne iOS app - https://app.groww.in/v3cO/tu0yrc3e Website - https://groww.in/