India, Sept. 9 -- A man sparked a discussion online after explaining why a household earning Rs.3 lakh a month can still feel financially stretched despite having a seemingly comfortable income.

Taking to Instagram, Dr Sunny Garg, co-founder of brihas.ai, gave an example of a husband and wife who each earn Rs.1.5 lakh a month, taking their combined monthly income to Rs.3 lakh. While the figure may appear financially comfortable on paper, he explained how rising expenses and lifestyle commitments can quickly make the income feel insufficient.

Garg pointed to expenses such as Rs.60,000-70,000 in home EMI or rent, Rs.25,000-30,000 in school fees, transport, car EMIs, parents, SIPs, weekend outings and subscriptions. He said that as these e...