New Delhi, March 25 -- Middle class need to plan wisely in order to ensure that one medical setback or a sudden job loss does not set them on a path to financial crisis. Thus, building an emergency fund to keep you safe through the troubled times is key.

Here, Chartered Accountant (CA) and financial advisor Nitin Kaushik believes that well begun is half done. He noted that changing inflation dynamics, a volatile job market and high interest debt has reshaped how you should save in order to insulate against sudden financial shocks.

In a series of posts on social media platform X (formerly Twitter), Kaushik noted that for most middle-class people in 2026, the lifeline that is your salary is a "frayed line" that is "ready to snap". He adde...