Why Gen Z are Financially DOOMED | Salaries, EMIs & Trend Spending Explained by Anshuman Sharma

Video Description

In this honest, no-filter episode of the Divya Jain Podcast, Divya sits down with Anshuman Sharma to unpack the real cost of living in India, the financial traps the middle class keeps falling into and why your city, your mindset, and your parents' money habits might be quietly working against you. This is not an episode about which stock to buy or which app to use. It's about why we make the money decisions we make and what it actually takes to break the cycle. From relocating to Delhi and debating Tier 1 cities to dismantling the great Indian dream of owning a home, the conversation covers the uncomfortable truths most personal finance content refuses to touch. Why does the middle class stay broke despite earning well? Why are Gen Z's biggest financial mistakes not about ignorance but about behaviour? And why are most people speculating with their emergency funds without even realising it? Anshuman also breaks down his personal investment model, a simple framework for any purchase decision, and why job vs business is the wrong question. The right question is about leverage. This episode is for anyone in their 20s or 30s trying to build real wealth, unlearn bad money habits, and finally have an honest conversation about what a financially free life actually looks like in India today. Timestamps 00:00 – Why I Moved to Delhi | Life Update 01:21 – Delhi vs Mumbai: Which City Is Better to Live In? 04:30 – What Does a "Decent Life" Actually Cost in India? 06:10– Why Tier 1 Cities Matter for Your Career & Wealth 08:33– Biggest Financial Mistakes Gen Z Makes (Must Watch) 15:29 – Common Money Mistakes by Corporate Employees 20:41– Why an Emergency Fund Can Save Your Financial Life 22:40 – Best Places to Park Your Emergency Fund in India 24:15 – Why Silver Is a Bad Investment (Explained) 26:16 – Where Smart Investors & Creators Actually Put Their Money 30:54 – My Personal Investment Model | How I Invest My Money 32:12 – How to Decide Before Buying Anything (Simple Framework) 33:00– Rent vs Buy a House in India | Honest Truth 35:20– Real Reasons Why People Stay Broke 37:20– Why Indians Are Obsessed With Buying a House 39:22– Why the Middle Class Struggles to Build Wealth 41:11 – Job vs Business: Which Is Better for Financial Freedom? 44:07 – How to Teach Your Parents About Money & Investing 45:50 – Middle Class Mindset That's Keeping You Poor | Hard Truth 58:20– Rapid Fire Round