‘An enormous on line casino setup’: One Reddit consumer’s brutal tackle salaries, debt in Tier 1 India

That fats paycheck in your Tier-I metropolis job? It’s bait. In a Reddit publish, one consumer claims India’s city company life is a huge con—the place the tax division bleeds your earnings, builders promote you shoeboxes on 20-year loans, and e-commerce giants outprice the kirana shops they killed. 

You suppose you’re climbing—everybody else is cashing out.

“Company job + Tier-I metropolis life in India is a huge on line casino setup the place the home at all times wins,” the publish declares. At first look, it’s a well-known grind: excessive salaries, lengthy hours, and concrete comforts. However scratch the floor, and the publish argues, it is a well-oiled machine designed to maintain professionals trapped in a cycle of overwork and overconsumption.

First in line to profit is the federal government, amassing over 30% of your wage in taxes—“with none contribution to your well-being.” Then come the true property builders, providing cramped flats at sky-high costs, with EMIs stretching throughout 20 years.

Faculties and hospitals, the publish claims, cost charges benchmarked to not high quality however to the typical earnings of their postcode. In the meantime, e-commerce and quick-commerce platforms begin off as saviors of comfort—till native opponents vanish, and costs quietly rise above market charges.

Trapped on this loop, employees start to really feel they’re not incomes sufficient—regardless of the rising paychecks. In order that they chase the subsequent promotion, work longer hours, and neglect well being and relationships within the course of. The top end result? Larger stress, extra medical payments, and deteriorating household life.

And but, firms see rising productiveness. Governments accumulate extra taxes. Personal healthcare thrives. “So even after a rise in earnings, it stays a zero-sum recreation for you,” the publish concludes.

However the Redditor doesn’t cease at critique—they provide an out. The one option to escape, they argue, is thru “delayed gratification.” Which means rejecting way of life inflation, disregarding social strain, and constructing a monetary security internet by means of liquid investments.

When you hit monetary independence, the exit plan is obvious: location arbitrage. Earn massive in a Tier-I metropolis, then relocate to a Tier-II or Tier-III city, the place your cash and returns stretch additional—and the sport modifications in your favor.