5 Money Habits Keeping You Middle Class Forever and How to Fix it

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Most people think money is only about earning more. A bigger salary, a better job, a higher package. But the truth is simpler and far more uncomfortable - your life changes not when your income grows, but when your control grows.

In this video, I’m talking about the real reason so many people feel stuck financially even with a steady job. It’s not because they don’t earn enough. It’s because unnecessary expenses quietly drain their freedom. Easy EMIs, impulsive upgrades, subscriptions we never use, guilty pleasures that feel harmless… these little leaks slowly shape a life where money controls you, not the other way around.

Money is not just for buying things. Money gives you the freedom to walk away from a toxic job, handle emergencies without panic, and make choices on your own terms. It gives you safety, dignity, confidence, and space to breathe. But you only experience that when you manage it well.

I also spoke to working professionals about their savings habits, their guilty pleasures, their emergency plans, and the financial decisions they regret. What came out was eye-opening not just for them, but for anyone who wants to build real wealth and stability.

If you're someone who wants to retire early, build your first crore, grow wealth with a 9-to-5 job, or simply stop feeling “fake rich,” this video will give you the clarity you’ve been looking for.

What you’ll learn in this video:

Why unnecessary spending is the biggest barrier to wealth.
How EMIs trap you in a cycle that quietly kills your savings.
The real purpose of an emergency fund and how to build one.
Why relying on random financial advice leads to poor decisions.
How consistent investing and compounding create long-term wealth.
Simple rules (like 15-65-20) that help you balance saving, living, and dreaming.
Why financial independence is about control, not a high income.
How to avoid stagnation, bad investments, and risky money habits.

Timestamps:

00:00 - Introduction
00:41 - Personal Finance
01:25 - What People think about Money?
01:56 - Conversation with Working Professionals
04:29 - Problems that were identified related to Financing after talking to Working Professionals
05:20 - How to solve Financial Problems?
05:25 - Solution 1
06:59 - Solution 2
08:31 - Solution 3
09:21 - Solution 4
11:14 - Solution5
11:43 - Magic words to create Wealth
14:33 - 15-65-20 Formula

About Divya Jain:

Divya Jain is an entrepreneur, educator, and one of India’s most influential voices on personal growth and leadership. As the Co-Founder of Seekho and Director at Safexpress, she blends business experience with deep emotional intelligence.

She’s a Harvard graduate and a recipient of honours like Fortune India 40 Under 40 and the ASEAN Achievers Award.

Her work spans logistics, edtech, skill development, and women’s empowerment through her initiative Because She Can.

Connect:

Instagram:   / divsjain  
LinkedIn:   / divyajainseekho  

If this video helps you understand relationships better, share your biggest takeaway in the comments. Someone out there might need the same wisdom today.