Why Are We So Unhappy Online?

Video Description

In our book, Behold the Leviathan, we highlighted how social media and the internet gave rise to a lot of entrepreneurial opportunities. However, not everything about social media is colourful. Consider a 25-year old from a middle class family, getting influenced by a peer group from affluent families, the pressure to live in the moment and be seen as successful. YOLO and FOMO (terms we at Marcellus came to know about recently) play a big part in this. How does the 25-year old fuel this lifestyle? Well, no prizes for guessing—Borrowing! Lenders today are lining up at your doorstep to help you live this lifestyle. All in all, this is resulting in personal loans tripling in a 5 year time period. Yeah, you read that right. 3x in 5 years! How can one get away from this distraction and make the most of their time and money? In this episode, Saurabh and Nandita not only dive into these alarming trends but also discuss the path forward. A key solution to counter these risks is building a disciplined financial plan to achieve your goals. At Marcellus, we’ve developed an Asset Allocation Tool to help you navigate the world of investing and diversification based on your personal financial goals. Our tool can help you plan for everything—from securing your retirement to enjoying that dream vacation abroad—without disrupting your finances. We highly recommend regularly assessing your finances and building a disciplined plan. Want to see how Asset Allocation can help you? Visit our website to learn more: https://plan.marcellus.in/?utm_source=Yt&utm_medium=organic&utm_campaign=WhyAreWeSoUnhappyOnline?&utm_id=Video&utm_date=29.08.2025&utm_product=AA Chapters: 00:00:00 Introduction 00:01:36 Has social media changed? 00:02:54 Psychological impact 00:11:47 Is there an impact on Indians? 00:16:33 Financial impact 00:19:36 Why are people borrowing so much? 00:22:19 The mechanics of borrowing 00:26:48 The rise in stock market investment 00:32:52 The way forward 00:35:35 Marcellus' Asset Allocation Tool 00:36:09 The retirement math