Financial stress — the benchmark for “feeling secure” just keeps getting higher
35M, married, 2 kids, living in a tier 3 city in India. Around ₹75L in savings, no loans or liabilities, but still constantly stressed about finances.
I work in IT, and honestly the biggest issue is that the industry never feels stable. Layoffs, AI, restructuring, constant upskilling pressure… it always feels like your income could disappear faster than you expect.
On paper, I think we are doing okay. Especially for a tier 3 city. But mentally it never does.
I’m constantly thinking about:
- kids’ future education costs
- medical emergencies
- aging parents
- losing my job at the wrong time
- inflation eating away savings
- whether one income is too risky
I’ve become extremely cautious with spending. Even regular purchases sometimes feel stressful because my brain immediately jumps to “what if I’m unemployed next year?”
The weird thing is I thought hitting a decent savings number would finally make me feel secure. Instead the target just keeps moving.
Anyone else in IT with a family feel this constant low-level financial anxiety even when things may be okay?