The 3 Things You Can Still Control with Your Money Saurabh x Nandita

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Make your finances more resilient for the years ahead, get your free asset allocation strategy: https://plan.marcellus.inIndia's middle class is facing a structural shift that could have far reaching implications for household finances and investors. Graduate unemployment remains elevated, real wages have stagnated, foreign capital flows are weakening, and Indian promoters are increasingly investing overseas. At the same time, India remains heavily dependent on foreign technology across areas such as social media, AI, software, clean technology and mobility, resulting in a growing share of profits flowing outside the country.In this episode, Saurabh Mukherjea and Nandita Rajhansa examine why the pressures facing India's middle class may be more structural than cyclical.--------------------------------💡Key Takeaways⮞ India's Middle Class Is Under Structural Pressure: Graduate unemployment remains elevated, with the podcast highlighting weak white collar job creation and stagnant real wages for young male graduates as signs of a deeper employment problem.⮞ Capital Is Increasingly Moving Overseas: Net FDI into India has weakened significantly, while Indian promoters are increasingly investing capital outside the country. The podcast argues that this could signal shrinking profit pools within India.⮞ India Is Losing Money Through Technology Dependence: From social media and software to AI, clean technology and electric mobility, India remains dependent on technologies owned and developed outside the country. This means a significant share of the economic value created by these industries ultimately flows overseas.⮞ Household Finances Need Greater Resilience: With household debt already elevated, the podcast argues that individuals should focus on reducing non mortgage debt, particularly credit card, personal and vehicle loans, while preparing for potentially higher borrowing costs.⮞ Insurance Is an Overlooked Part of Financial Planning: India remains significantly underinsured, with the podcast highlighting the impor