Money Habits That Keep Indians Broke (And How to Fix Them Before 30)

 Har mahine paisa aata hai... phir bhi khatam kaise ho jata hai?

Salary milte hi ud jaati hai? Kabhi socha kyun?

It’s not your job, your city, or your income.

It’s your habits.

If you keep doing what most broke people do,

you’ll stay broke — even if you earn more.

Here are 5 toxic money habits that keep 90% Indians broke, and how YOU can break free.

❌ 1. Living Without a Budget

Broke Habit: "Main toh sab yaad rakhta hoon yaar..."

Reality: Aapko khud bhi nahi pata hota ₹ kahaan gaya.

✅ Wealthy Switch:

Use Google Sheets, ET Money, or even a notebook.

Every rupee should have a job.

> “Money flows where you control it.”

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❌ 2. Salary = Spend First, Save Later

Broke Habit: Save jo bacha — kabhi kuch nahi bacha.

✅ Wealthy Switch:

Pay yourself first.

Transfer savings the moment your salary comes. Start with just ₹500/month.

> “Save before you spend, not after.”

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❌ 3. EMI Mentality for Everything

Broke Habit: EMI pe phone, EMI pe bike, EMI pe sofa

End result? Salary chali jaati hai debt mein.

✅ Wealthy Switch:

EMI only for house or asset.

Baaki cheezein tabhi lo jab full cash afford kar sako.

> “If you can’t buy it twice, don’t buy it once.”

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❌ 4. Ignoring Investing

Broke Habit: “Market risky hai”, “Mutual funds samajh nahi aate”

Result: Paisa savings account mein so raha hai 💤

✅ Wealthy Switch:

Start SIP with ₹100–₹500. Learn as you go.

Time > Timing.

> “Every month you don’t invest is a month your money didn’t work for you.”

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❌ 5. FOMO Spending

Broke Habit: Buying stuff to impress others

Zara shirts

iPhone

Weekend parties

Aur Monday ko stress.

✅ Wealthy Switch:

Buy for comfort, not for flex.

Start valuing financial freedom over opinions.

> “Rich is loud. Wealth is silent.”

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🧠 Final Thought

You don’t need a ₹1 Lakh salary to get rich.

You need control.

You need awareness.

And you need to break these 5 habits.

Start today. Not someday.

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🔥 Your Move, Friend:

👉 Which of these 5 habits you relate to?

Comment below 👇 — let’s break them together!

📌 Share this with your friends who need to wake up financially 😤

Because Broke mindset = Broke future.

– Team Budget to Billion

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