It is just that you are going around wasting your money on a lot of stupid things.
You don't need every latest i-Phone
You don't need IB education for kids (that's a choice, not necessity). There are decent CBSE schools.
You don't need to buy a house and get stuck on a 1L EMI.
Cut back-- you will see the magic.
Count your blessings.
And, stop stressing so much about money :)
Just learn to invest it well.
And, make better lifestyle choices.
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