Middle-Class Struggles: A 24-Year-Old’s Quest for Financial Security
A 24-year-old software professional in Mumbai earning Rs 25 LPA shares his frustration with the elusive nature of financial security and success, sparking a broader discussion about the challenges faced by India’s middle class.
MiddleclassFinancial SecurityMumbaiSoftware ProfessionalGenerational StrugglesReal Estate MumbaiJul 24, 2025
The anonymous user, who earns approximately ₹25 lakh per annum, wanted to celebrate his parents’ 40th wedding anniversary with a family trip to Dubai. His father, however, expressed concerns over spending ₹4 lakh on a vacation, citing ongoing financial uncertainty, generational struggles, and a larger issue — whether middle-class families can ever really feel ‘secure’.
Despite having around ₹25 lakh in personal savings and estimating his family’s total savings at ₹1 crore, the young professional was met with hesitation from his father, who warned against over-optimism. He highlighted looming future expenses like marriage (estimated at ₹40 lakh), potential relocation, and the high cost of urban living — with Mumbai rents for a 2BHK often touching ₹50,000 per month.
The father also raised a larger existential concern: their family, across three generations, had worked hard but still felt they hadn’t achieved what society calls ‘success’. He feared that even with AI disrupting job markets, especially for lower-income groups, a stable job may no longer be a safeguard for the future.
“Life is tough when you’re building it with your own hands,” he wrote, pointing to the sobering reality that success, in the traditional sense, is far more difficult to achieve when starting from scratch.
His story has sparked widespread discussion online, with many sharing similar stories and questioning how middle-class Indians can create real wealth without inherited assets.
Frequently Asked Questions
What is the main concern of the 24-year-old software professional in Mumbai?
The main concern of the 24-year-old software professional is that despite his high income and savings, he feels that true financial security and success are still out of reach.
Why did the user’s father object to the family trip to Dubai?
The user’s father objected to the family trip to Dubai due to concerns over financial uncertainty, ongoing expenses, and the broader issue of whether middle-class families can ever feel truly secure.
What are some of the future expenses mentioned by the user’s father?
The user’s father mentioned future expenses such as marriage (estimated at ₹40 lakh), potential relocation, and the high cost of urban living in Mumbai, where rents for a 2BHK can often touch ₹50,000 per month.
How does the father view the concept of success for their family?
The father views success as something that has been difficult to achieve across three generations, despite hard work, and he fears that even with a stable job, the future is uncertain due to factors like AI disrupting job markets.
What broader discussion has the user’s story sparked?
The user’s story has sparked a broader discussion about the challenges faced by middle-class Indians in creating real wealth and achieving financial security without inherited assets.
Related News Articles
Elevating Civil Aviation: Mohol's Pioneering Role in Pune
Discover how Mohol is driving growth in Pune's civil aviation sector, with insights from Hemant Rasne, former Mayor and BJP leader.
Budget 2024: A Boost to Sustainable Growth in Real Estate
The Union Budget 2024 focuses on MSMEs, employment, skilling, youth, and middle-class, with indirect benefits to the real estate sector through job creation, infrastructure, and urban redevelopment.
Dubai Real Estate Market Sets AED 141.9 Billion Quarterly Sales Record in Q3 2024
Dubai’s real estate market achieved a significant milestone in Q3 2024, with total sales reaching AED 141.9 billion, marking a new all-time high for a single quarter. This achievement surpassed the previous record of AED 124.07 billion set in Q2 2024, ref
Elan Group Gets a Boost with Rs 1200 Crore from Kotak Real Estate Fund
The investment will serve as growth capital, helping Elan Group cement its position in the thriving real estate market of Gurugram. This strategic move is expected to accelerate the company's expansion and development projects in the region.
Delhi-NCR: The Metro City Witnessing a Massive Surge in Housing Prices
The report suggests that the price appreciation in Delhi-NCR is attributed to rising demand for high-end properties. Read more to know the details.
Radisson Resort Khopoli Launches as a Luxurious Getaway Near Mumbai and Pune
Radisson Hotel Group has expanded its footprint in Maharashtra with the opening of Radisson Resort Khopoli, offering a premium retreat for travelers near Mumbai and Pune.