Hi all, I do financial/wealth research and I'm trying to understand how people in the ₹20L–1Cr income range actually handle their money: what you invest in, what you steer clear of, what annoys you, and what you wish existed. Not selling anything and not pitching a product — genuinely just research.

Looking for a 30-minute voice call (you can stay anonymous). Everything stays confidential and anonymized. This is not a sales call, NOTHING will be pitched to you.

If you're in that bracket and open to it, comment or DM and I'll send calendly link along with credentials. Glad to answer any questions here too.

We look at each other and quietly feel like frauds about our own money, like everyone else got the memo on being wealthy and we're just coping. But the truth is nobody feels rich, because almost nobody actually is. Not in the way that counts.

Because "rich" was never a salary. It's the moment friction disappears. When you say yes to the dinner, the flight, the doctor without opening a mental spreadsheet. Most people who look loaded are still doing that math every single day. So of course they feel like imposters. In the way that matters, they kind of are.

Now for the number that ruins the party.

Even if you're in the top 1% of earners in this country, pulling ₹3 lakh or more a month, a decent Mumbai flat would still take you 8+ years to buy. You can out-earn 99% of the country and still not casually own a home in its biggest city. In NYC, it takes 6 months for the top 1 % in comparision.

Because the genuinely rich here aren't really earning salaries at all. The real elite are a walled garden. And everyday the working class funcitons as a race to exit the working class itself. We want to be the ones to exploit, not be exploited.

Private markets, Alternate assets, and different game entirely. We're out here comparing take-home pay while they're quietly compounding in places we can't even find the door to.

Meanwhile we've been handed the full consumerist starter pack we can't actually afford yet. ₹400 lattes on a random Tuesday. Household savings just hit a 50-year low. Household debt is near a two-decade high, and a lot of it isn't for homes or businesses, it's for propping up a lifestyle Instagram told us was standard. The US built its consumer culture on decades of cheap housing and steady wealth. We're speedrunning the spending part without the safety net. That's a whole generation that looks affluent and feels one bad month from the edge.

We look at each other and quietly feel like frauds about our own money, like everyone else got the memo on being wealthy and we're just coping. But the truth is nobody feels rich, because almost nobody actually is. Not in the way that counts.

Because "rich" was never a salary. It's the moment friction disappears. When you say yes to the dinner, the flight, the doctor without opening a mental spreadsheet. Most people who look loaded are still doing that math every single day. So of course they feel like imposters. In the way that matters, they kind of are.

Now for the number that ruins the party.

Even if you're in the top 1% of earners in this country, pulling ₹3 lakh or more a month, a decent Mumbai flat would still take you 8+ years to buy. You can out-earn 99% of the country and still not casually own a home in its biggest city. In NYC, it takes 6 months for the top 1 % in comparision.

Because the genuinely rich here aren't really earning salaries at all. The real elite are a walled garden. And everyday the working class funcitons as a race to exit the working class itself. We want to be the ones to exploit, not be exploited.

Private markets, Alternate assets, and different game entirely. We're out here comparing take-home pay while they're quietly compounding in places we can't even find the door to.

Meanwhile we've been handed the full consumerist starter pack we can't actually afford yet. ₹400 lattes on a random Tuesday. Household savings just hit a 50-year low. Household debt is near a two-decade high, and a lot of it isn't for homes or businesses, it's for propping up a lifestyle Instagram told us was standard. The US built its consumer culture on decades of cheap housing and steady wealth. We're speedrunning the spending part without the safety net. That's a whole generation that looks affluent and feels one bad month from the edge.

P.S : I work in a wealth management firm, and I want to understand how much this rising professional class really knows about money. What quietly scares you. What you know of these private markets, let alone that there's a velvet rope keeping most of us out.

So if you're a salaried professional in India, earning 20L - 1CR yearly, I'd genuinely love if you could volunteer 20 minutes.This is research, not a sales call. Nothing to buy, no surprise "quick chat with an advisor," none of that. Just your honest take on money, spending, and what "rich" even means to you.

If you're up for it, you can comment/dm me for credentials and interview sign up link.

Thank you.

We look at each other and quietly feel like frauds about our own money, like everyone else got the memo on being wealthy and we're just coping. But the truth is nobody feels rich, because almost nobody actually is. Not in the way that counts.

Because "rich" was never a salary. It's the moment friction disappears. When you say yes to the dinner, the flight, the doctor without opening a mental spreadsheet. Most people who look loaded are still doing that math every single day. So of course they feel like imposters. In the way that matters, they kind of are.

Now for the number that ruins the party.

Even if you're in the top 1% of earners in this country, pulling ₹3 lakh or more a month, a decent Mumbai flat would still take you 8+ years to buy. You can out-earn 99% of the country and still not casually own a home in its biggest city. In NYC, it takes 6 months for the top 1 % in comparision.

Because the genuinely rich here aren't really earning salaries at all. The real elite are a walled garden. And everyday the working class funcitons as a race to exit the working class itself. We want to be the ones to exploit, not be exploited.

Private markets, Alternate assets, and different game entirely. We're out here comparing take-home pay while they're quietly compounding in places we can't even find the door to.

Meanwhile we've been handed the full consumerist starter pack we can't actually afford yet. ₹400 lattes on a random Tuesday. Household savings just hit a 50-year low. Household debt is near a two-decade high, and a lot of it isn't for homes or businesses, it's for propping up a lifestyle Instagram told us was standard. The US built its consumer culture on decades of cheap housing and steady wealth. We're speedrunning the spending part without the safety net. That's a whole generation that looks affluent and feels one bad month from the edge.

P.S : I work in a wealth management firm, and I want to understand how much this rising professional class really knows about money. What quietly scares you. What you know of these private markets, let alone that there's a velvet rope keeping most of us out.

So if you're a salaried professional in India, earning 20L - 1CR yearly, I'd genuinely love if you could volunteer 20 minutes.This is research, not a sales call. Nothing to buy, no surprise "quick chat with an advisor," none of that. Just your honest take on money, spending, and what "rich" even means to you.

If you're up for it, you can comment/dm me for credentials and interview sign up link.

Thank you.

Hi all, I do financial/wealth research and I'm trying to understand how people in the ₹20L–1Cr income range actually handle their money: what you invest in, what you steer clear of, what annoys you, and what you wish existed. Not selling anything and not pitching a product — genuinely just research.

Looking for a 30-minute voice call (you can stay anonymous). Everything stays confidential and anonymized. This is not a sales call, NOTHING will be pitched to you.

Happy to share the findings back with the sub afterward.

If you're in that bracket and open to it, comment or DM and I'll send details. Glad to answer any questions here too.

(Mods — happy to comply with any approval/flair rules.)