Delete For Everyone



I sent it...

Just a “hey.”

Strange..how three letters

Can feel like one confession

Wrapped in regret.

Like somehow, somewhere 

This fragment of word could reach

Across the mess I made,

Back to the version of you

Who used to love me.


But the moment I hit send,

Reality hit back harder.

You did love me once.

God, you did.

You loved me with everything

I didn’t know how to handle.

And I took it for granted,

Played it cool,

Acted like you would always be there...

Like I had time

To figure out how to love you back

Without fear,

Without running.


But I was wrong.

Turns out, love has limits.

Even yours.

And I pushed mine

Until you finally

Just let go.

You left,

And I didn’t blame you...

I blamed myself.

And now,

After all this time,

I had the audacity

To send you a “hey.”

Like that’s not ridiculous.


In that one minute

Between “sent” and “seen.”

That’s all it took

For a thousand thoughts

To slap me in the face.

What if you see it

And feel nothing?

Or worse...

What if it hurts

To see my name again?

What if it pulls you

Back to that place

You swore you would never visit?

The place where you

Used to love me

Before I showed you

All the reasons you shouldn’t.


And maybe you are holding your phone

Right now,

Staring at the screen,

Wondering why I couldn’t

Just let you be...

Why I had to barge in

With this pointless message

When you have worked so hard

To move on.

Maybe you are shaking your head,

Thinking how typical...

Still reckless,

Still selfish,

Still me.


And maybe it doesn’t matter now.

Maybe you have already

Found someone else..

Someone who didn’t make

Loving you

Feel like a mistake.

Someone who didn’t have

A habit of running

When things got real.

Someone who knows how to hold on

Instead of letting go.

And here I am,

Showing up at your doorstep

With a useless “hey”

That can’t undo

The mess I made.


It hits me...

This is stupid.

I am not supposed to be

Part of your life anymore.

I lost that privilege

When I let you walk away.

So, I press it....

Delete for everyone.

Because it’s pointless,

Because it’s selfish,

Because it’s too late.

And it’s funny, really,

How deleting a message

Doesn’t delete the regret.


Delete for everyone...

But not for me.

Because no matter

How many times I try,

I can’t erase

The reality

That I ruined

The best thing

I ever had.

And I can’t blame you

For not wanting

To read a word

From the girl

Who broke

What you once called love.


Delete for everyone....

But I am still here,

Sitting with the truth

That it was never

Just a “hey.”

It was everything

I couldn’t say

When you were still

Willing to listen.


Delete for everyone...

But the guilt stays mine.

Because I had your love,

And left it behind.

Fiance?? Finance? Let’s Fix One First.


๐Ÿ’ƒHi, I am Sameeksha...professionally broke in both love and finance...and here while the world around me seems busy making fiancรฉs, here I am struggling to even spell fiancรฉ correctly. So I have decided to leave that romantic tragedy on “read” and focus on fixing my finance instead. After all, there's only an 'n' separating me from a better bank balance...soo let’s fix the finance part first. As for the fiance part, I will need an English class first and then  maybe  I will finally gather the courage to make one.๐Ÿ˜‘

Well my fellow broke souls hold hands (digitally, of course) and walk this bumpy road of financial literacy together, because misery loves company and so does money!✊

๐Ÿ’ฅClassic Saving Strategies (The Good Old Reliable Friends):-

๐ŸŒˆ PPF (Public Provident Fund)

Think of this as a relationship with your future self. You invest your money in a PPF account for 15 years, the government showers it with tax-free interest, and you come out richer, older, and hopefully wiser. It's basically a long-distance relationship with your own money, and the returns are totally worth the wait.

๐ŸŒˆ EPF (Employees’ Provident Fund)

Your salary's quiet side hustle. A portion of your monthly salary is whisked away before you can even miss it, matched by your employer, and tucked away until retirement. Future-you will send you a thank-you note.

๐ŸŒˆ SIP (Systematic Investment Plan)

SIPs are the gym subscription for your money. Small, regular investments in mutual funds, and if you stay consistent, you end up financially fit. The sooner you start, the fatter the wallet.. because here is where the real magic happens :- Compounding..

In plain English: compounding is like earning interest on your interest, and then earning interest on that interest, and then... well, you get the idea. It’s basically your money dating more money, and their kids bringing in even more money. A full-on family reunion of cash, if you stay patient.

The trick? Start early and let time do the heavy lifting. Because honestly, your ₹500 today might look small, but give it a few years and it’ll be flexing in your account like it just hit the financial gym..

๐ŸŒˆ  Fixed Deposits (FD)

The “Grandma” of savings. Park your money, forget about it, and watch it grow at a steady, predictable pace. Not flashy, but trustworthy.

๐ŸŒˆ  Recurring Deposit (RD)

Think of this like a re monthly EMI to your future bank account. You commit a fixed sum every month and the bank rewards your loyalty with interest.

๐ŸŒˆ Liquid Funds

For the commitment-phobic. Want slightly better returns than a savings account but still be able to withdraw when needed? Liquid funds are your go-to, especially when you don't want your money to sit idle but aren’t ready to lock it up either.

๐Ÿ’ฅModern Day Saving Strategies (Because We're Not Cavemen):-

๐Ÿ‘Œ NiyoX

A modern digital savings platform that gives you higher interest rates than your lazy old savings account, paired with no-maintenance charges and swanky app features. Because your money deserves to be both smart and stylish.

๐Ÿ‘Œ Fi Money

Think of Fi as your tech-savvy buddy who tracks your expenses and savings while you scroll memes. They offer flexible savings plans, rewards, and insights into where your salary actually disappears.

๐Ÿ’ฅ How Instagram Highlights Are Stabbing Your Wallet (And How to Stop the Bleeding):-



๐Ÿ˜•Why we fall for it:

You open Instagram.

Someone’s on a Maldives trip.

Your bank balance says ‘Mal’ while the ‘dives’ part has already drowned.

๐Ÿ˜ŽHow to deal with it:

Unfollow people who vacation more than they breathe.

Accept this golden truth: Social media shows their vacations, not their credit card bills. (Thanks to Broke Millennial for that gem.)

Before you swipe your card or book that trip, ask yourself: “Am I earning for me or for my Insta followers?”

Chill at home, sip some coffee (from your own kitchen), and let your future bank balance thank you.

๐Ÿ’ฅBooks That Changed My Wallet (And Life):-

๐Ÿ“šBroke Millennial by Erin Lowry

A brutally honest, hilarious guide that’ll stop you from treating your salary like a Netflix subscription: spent before you even notice.

 ๐Ÿ“šRich Dad Poor Dad by Robert Kiyosaki

The classic. A reality check between working for money and making money work for you.


Sameeksha’s Note: Read both, but only after finishing this blog, or I will haunt your financial dreams!๐Ÿ‘Š๐Ÿ‘ป

๐Ÿ’ฅSchematic Plan: ₹30,000 Salary - Broke Soul Edition:-

Let’s break it down:

50% Needs (₹15,000) – Rent, groceries, bills, and basic survival.๐Ÿฒ๐Ÿก

30% Wants (₹9,000) – Occasional Starbucks, Netflix, birthday gifts for people you don’t even like.๐ŸŽ‚๐Ÿฅฎ

20% Savings (₹6,000) –

     ๐Ÿ‘‰  ₹2,000 SIP.⭐

    ๐Ÿ‘‰  ₹2,000 PPF.๐Ÿ‘ผ

    ๐Ÿ‘‰  ₹1,000 Liquid Fund or RD.๐Ÿชช

    ๐Ÿ‘‰  ₹1,000 Sovereign Gold Bond or Index Mutual Fund.๐Ÿช™

Future You: If you save ₹6,000 monthly via SIP at an assumed 12% return, you will have around ₹7.2 Lakh in 7 years. Future You can finally afford that Maldives trip..with cash, not EMIs.๐Ÿ–

๐Ÿ’ฅWhen To Take The Leap: Savings Vs Investments:-

The other day, I had the longest debate with someone who said: “Old-fashioned saving to get rich is slow, you need to earn more to get rich.”๐Ÿ’

And as always, we were standing at opposite poles. If they say right, I will point left..they say north, I am already packing for south..that’s just the natural law of our conversations... Harmony?? Well never heard of that word..

So what I said:-

Invest in stocks and high-risk assets only when:

1. You have an emergency fund.

2. You have cleared high-interest debts.

3. Your classic savings are on auto-pilot.

4. You can handle the emotional rollercoaster (and not cry every time Sensex falls).

First, stabilize. Then gamble

๐Ÿ’ฅ In Conclusion: Finance over Fiancรฉ (For Now):-

Look, managing money isn’t about being rich. It’s about being wise. Your future self will either thank you or haunt you depending on what you do after reading this. So, start slow, be consistent, and for heaven’s sake, don’t let Instagram stories decide your financial worth.

Fiancรฉ can wait. Finance shouldn’t.๐Ÿ’ข๐Ÿ’ฌ

Well here me..๐Ÿ‘€

Broke in love, broke in cash,

          Broke in luck.. life’s a crash. 

Woke in wisdom, fixing all the rest,

          But love? Yeah, that’s my unpaid test.๐Ÿ’”


Until next time, broke but learning ---) Sameeksha.

Breaking News, Broken Ethics



๐Ÿ’ฅ“Breaking: Actor’s dog gets a haircut. Meanwhile, Parliament passes a bill that will impact 600 million lives. But first..let's go live to the dog.” ๐Ÿ’ฅ

       Hi, I’m Sameeksha..your usual heartbreak-dissecting, social chaos-mapping, poetic rebel.And well, until now, I was gently emotional-baiting everyone with poems, sad eyes, and subtle existential truths…Just so I could finally sneak in my favorite category: politics.

Yes. I love politics. Passionately. Loudly. Unapologetically.

 I just hate how people pretend it’s boring. Like hello? This is the most high-stakes drama in the country. Real lives, real consequences, real villains and yet, it gets less hype than a celebrity’s relationship status.Why? Because journalism has made it fashionable to focus on fluff.

We now live in a country where name-changing ceremonies are treated as national milestones..where the renaming of cities, railway stations, and ancient buildings takes more airtime than policies that directly affect your job, food, or education.

It’s not that people don’t care. It’s that they have been trained not to.

Trained to clap for drama.

To obsess over fake narratives

To ignore consequences.

And if politics is the drama, journalism is the production crew that decided it’s more profitable to shoot a fashion reel than show a famine.

๐Ÿ’From Prime time to Prime sham.

Today, politics isn’t reported- it’s choreographed...Journalism today is like that one Indian serial that never ends..full of overacting, background music, and  prime-time warriors aren’t journalists. They are full-blown masala distributors, complete with:

   ๐Ÿ‘€ Volume levels that could shatter glass at 100 decibels,

   ๐Ÿ‘€ Eyebrow raises that can give Ekta Kapoor a complex,

   ๐Ÿ‘€ And a patriotic tone so forced it makes national anthems look subtle.

Forget journalism. We have entered the bootlicking multiverse, where:-

  ๐Ÿ‘Œ The ruling party is always right,

  ๐Ÿ‘Š The opposition is anti-national by default,

  ☝ And anyone asking real questions is either in jail, in court, or in a YouTube comment            section screaming into the void

๐Ÿ’We Don’t Care About Politics - Until It Hits Home

Ohh yes, the Gen Z and millennials who proudly say,

  “I don’t care about politics.”

Sweetheart, politics cares about you. And it’s about to slide into your DMs with:

๐Ÿ‘‰A college fee hike you never saw coming

๐Ÿ‘‰Electricity bills that could power a small planet

๐Ÿ‘‰National-level exam scams that decide your future

๐Ÿ‘‰Taxes on your packet of instant noodles

๐Ÿ‘‰Sudden job losses, frozen scholarships or rebranded ration schemes

๐Ÿ’The Unbought ,The Unbowed.

Let’s talk about those who dared to report the truth:

Ravish Kumar, who walked away from a sold-out newsroom and now continues his sharp, fearless journalism..mic in one hand, integrity in the other.

 ⭐Siddique Kappan, arrested for trying to report on a gang rape case in Hathras- treated like a criminal, not a journalist.

Paranjoy Guha Thakurta, hounded with multiple defamation cases for exposing corporate-government nexus.

 ⭐ Gauri Lankesh, who spoke truth to power and was silenced permanently. A journalist murdered not for misinformation, but for being too informed.

 ⭐Abhisar Sharma, Arfa Khanum Sherwani, Rana Ayyub..trolled, surveilled, even banned from flying. Why? Because they refused to kneel.

They didn't get prime-time slots.

They got raids, court summons, spyware, frozen bank accounts and a flood of silence from those who once claimed to support free speech.

Yet- they still speak.

They write.

They publish.

For truth, for justice, and for the India that still believes in democracy with spine..not

 posture.

๐Ÿ’Mandate and Muse Verdict:---

         How to Detox from Propaganda.

1. Stop consuming noise like news :- 

✊If the anchor screams more than your ex, it’s not journalism..it’s performance art. Exit.

2. Support platforms that support truth:-

๐ŸŽคJournalism needs funding, not forwarding. Buy subscriptions. Donate. Share real stories.

The Alternative? Independent Journalism That Doesn't Need a Sponsor’s Script

Well, I personally love to follow the ones who still dare to write, speak, and question when everyone else is just busy clapping..These aren’t just platforms..they are sanity in the middle of noise, a flashlight when mainstream switches off the lights.

✔   THE WIRE  – Sharp, bold, and allergic to power worship. If facts had a fortress, it would look like this.

 ✔ NEWSLAUNDRY – “Pay to keep news free” isn’t a slogan..it’s a rebellion. They roast the media while being media. 

 ✔ARTICLE 14 – For when you want journalism that knows what the Constitution actually says and isn’t just using it as wall art.

✔  SCROLL , THE CARAVAN, MOJO STORY(BARKHA DUTTA) – Each one fighting its own war against the monster of manufactured consent. No filters. No fluff. Just journalism.

RAVISH KUMAR – My personal favorite. It's like the news had a spine again. Calm, factual, piercing and everything your prime-time panel isn't.

 ✔DHRUV RATHEE – Explains it like you are five, but makes you feel like you have got a PhD in politics.

AKASH BANERJEE ( THE DESHBHAKT) – Roasts hate, explains chaos, and makes satire feel like civic duty.

๐Ÿ˜Ž{ PS: I have linked those journalism platforms above ... yes, they are clickable and no, they won’t bite. Go on, subscribe, scroll, and maybe read something that wasn’t designed to rot your brain. Because if you are still trusting TV debates for facts… darling, you need this more than you know..}

These journalists don’t chase clout..they chase clarity. They don’t want your clicks..they want your conscience.๐Ÿ’ญ

They are not just my sources..they are my reminders that journalism, even now, still has a pulse.You just have to know where to place your finger.

3. Educate yourself before elections:-

๐Ÿ“ข Don’t vote based on slogans. Vote based on policies. Or don’t complain when the circus sets up in your backyard.

4. Teach media literacy to your family:-

๐Ÿ™ŽYes, even that one uncle who sends “Modiji did this” forwards at 7 AM. They can be saved. We believe.

5. Call out lazy journalism:-

☝Don’t stay silent when someone justifies hate in the name of “debate.” Turn off the channel. Tweet your disgust. Your attention is currency..spend it wisely.

6. And never forget:– 

๐Ÿ‘€Some journalists may have knelt, but some still roar. They are underfunded, trolled, raided but they write, speak, and record because they believe democracy isn’t a TRP game.

And this gem right here?

The death of Indian journalism }

Click this before the algorithm buries it under celebrity lip-syncs..it’s honestly the best explanation of how we went from journalism with guts to journalism with government-approved gloss.๐Ÿ’

๐Ÿ’Broadcaste of Sense.

Every scroll through influencer drama is one scroll away from real democracy dying softly in the background.

The world doesn't change because you posted a reel with lo-fi music. It changes when you know where your taxes go, when you vote with context, and when you stop confusing news with celebrity trivia.๐Ÿ’ƒ

So next time, instead of panicking about Instagram likes, panic about policy hikes.

Swap GRWM for GRWY: Get Ready With Your Voter ID.๐Ÿชช

Mainstream media won’t save you. They already sold their soul for screen time.๐Ÿ“ฒ

But hey..don’t lose hope. You have got access to the truth if you want it. You just need to scroll a little further than your usual meme page.

You are the mandate. You are the muse. You are the movement. But only if you unplug, unlearn, and unmute.

Start now.

- Written by Sameeksha

(Just your average girl with below-average Wi-Fi and a spine so upright, even lordosis files a complaint.I don’t have a press badge or a blue tick..just an eye for bullshit, a pen that bites and a refusal to clap for clowns in power suits.No godfather. No god complex. Just guts, Google and a grudge against lazy journalism.)



Echoes of Contradiction


๐Ÿ’ญBrain:
Tell me, you reckless, suffering fool..
how did you survive the fall from “I will love you until death do us part”
to “You are dead to me”?
How did you not break when the hands that once pulled you closer
let you go without hesitation?
When the voice that once whispered forever
spat your name like a curse?
How did you not collapse under the weight of it,
knowing that love, once fierce and full,
was slipping through your fingers like sand?

๐ŸคHeart:
Who said I survived?
Who said I didn’t break?
I did collapse..I shattered in ways even time won’t fix.
I stood there, naive and open, believing love was unshakable,
believing forever meant something more than borrowed time.
I should have held on tighter, should have fought harder,
should have seen the cracks before they turned into fractures.
But I didn’t...I just could not,
And now, love is gone or atleast,they are.

๐Ÿ’ญBrain:
Then what are you clinging to?
If you lost, if it’s over,
if all that’s left is silence,
why do you still hold onto the wreckage

๐ŸคHeart:
Because this pain..this raw, relentless weight,
is the only proof that it was ever real.
If love had been an illusion, it would have vanished clean,
left no trace, no wreckage.
But it was here, breathing beside me, filling the empty spaces.
And now that it’s gone, it has taken pieces of me with it.
If I still ache, if I still feel its absence like an open wound,
then at least I know..I wasn’t dreaming.

๐Ÿ’ญBrain:
So this is what you believe?
That suffering is the measure of love?
That the deeper it cuts, the truer it was?
What a cruel transaction..
to pay for something beautiful with your own ruin.

๐ŸคHeart:
It’s not about destruction..It’s about existence.
I would rather bear this pain...rather carry this unbearable weight,than wonder if it was ever real at all.
Because whatever it was..
it was worth losing,
worth fighting for,
worth begging for,
worth standing in the rain, screaming at the heavens for.
And even now, when it’s gone,
when it has left nothing but ruins in its place,
it is still worth mourning.


P.S.  Maa, relax..this is definitely not about my dumb heart or my intelligent brain. Just a strategic stunt for audience engagement ๐Ÿคž

Also, heartbreak gang, this emotional mess might tear open wounds, but don’t worry..just click the link below after reading. Affection will patch you up faster than time ever could.

[https://open.spotify.com/]

 



The Attention Span Crisis: Why No One Can Focus Anymore

Or, How You Can’t Even Read This Blog Without Checking Your Phone Twice ๐Ÿ“ฑ

Hey, it’s me again..SAMEEKSHA. Today, let’s talk about something you have probably already lost while reading this...yesh your attention span.


So, I was digging through articles, research papers and videos to find out whether our attention span is actually getting worse. Some say it’s shorter than a goldfish’s (which, by the way, is a debunked myth). In reality, goldfish are probably better than us at so many aspects..like controlling their aggression unlike humans,who are now ready to pull a gun over parking disputes. ๐Ÿคท‍♀️

Well, there this  beautiful concept was discussed in a BBC More or Less podcast about the attention span of goldfish. You can check it out here: 

  https://www.bbc.co.uk/programmes/p04vlq5r]

So, is this just modern life evolving, or have we truly lost the ability to focus? Well, let’s break it down before you ghost this blog like a bad Tinder match. ๐Ÿ‘ป

WHAT YOU WILL FIND IN THIS BLOG :-

✔ The real reason why you can’t focus (spoiler: it’s not just social media). 

✔ The effect of social media: where focus dies and ghosting thrives.๐Ÿ’€

 ✔ The detrimental impact of short-form content on deep thought. ๐Ÿง 

✔ The science of persuasive technology, plus why technology is winning. ๐Ÿค–

✔ What can be done to improve your attention span

๐Ÿ‘‰The Science Behind why we cannot focus๐Ÿ”ฌ:- 

Ever wonder why focusing feels harder than finishing a Netflix series in one sitting? 

So while doing research I came across a TEDx talk by Chris Bailey, where he actually said:-

"Distraction is not the enemy of focus; it's a symptom of why we find it difficult to focus -the fact that our mind is overstimulated."

Yeah u heard that right..our brain is overstimulated, jumping from reels to texts to memes like a browser with 50 tabs open. It’s so hooked on instant dopamine that deep focus now feels like watching a video on 0.25x speed - painfully slow and unbearable.

So basically, our brain isn’t broken..it’s just on dopamine steroids. Every scroll, swipe, and notification gives you a mini-reward. The result? You get bored faster, deep work feels exhausting, and focus becomes fragile. ๐Ÿ˜ด and just like this, long-term content feels like long-term relationships- too much effort, too little thrill. We swipe, ghost, and declare, "The vibe is gone." ๐Ÿ’จ

๐Ÿ‘‰ Social Media: The Graveyard of Attention (and Relationships) ๐Ÿ’€

WELL..Social media was supposed to connect people. Instead, it has become an arena for validation. ๐ŸคณI have actually  seen people take 500 pictures of their food before eating it. At some point, I swear the paneer itself was screaming, "Just eat me, dude!" ๐Ÿ˜ญ

Or worse..people on vacations, standing before breathtaking views, but instead of soaking in the moment, they are busy curating an aesthetic reel. Are you even present, or just existing for the feed? ๐Ÿž️

The irony? We are more connected than ever, yet lonelier than before. Relationships, like our content consumption habits, have become disposable. Why invest in depth when surface-level thrills are one swipe away? ๐Ÿ’”

๐Ÿ‘‰The TikTok Effect: Death of Deep Thinking ☠️

Once upon a time, YouTube was considered fast content. Now? Even 10-min videos feel like a commitment. ⏳TikTok, Instagram Reels, and YouTube Shorts - engineered to keep you hooked with quick, dopamine-packed bursts. ๐Ÿ’ฅ

The consequences?

✔ Your brain adapts to rapid content, making slow, meaningful tasks unbearable. ๐Ÿ˜ซ

✔ Books feel like a chore. ๐Ÿ“š

✔ Deep conversations feel exhausting. ๐Ÿ—ฃ️

✔ Everything that requires patience - learning, relationships, critical thinking- suffers. ๐Ÿ˜ฉ

We don’t process ideas anymore; we just consume them at high speed, half-digested. And when things slow down, we move on—just like we do with people. ๐Ÿšถ‍♀️

๐Ÿ‘‰Is This an Attention Crisis or Just Evolution? ๐Ÿค”

Some say this is a disaster - our ability to engage in deep thought is eroding. Others say it's just adaptation,we consume the same knowledge, just faster. ๐Ÿคท‍♂️

But fast knowledge isn’t deep knowledge. Understanding takes time. Reflection needs stillness. A relationship doesn’t grow in 15-sec bursts. ⏱️

Well,while trying to understand this I also ran into this sneaky little thing called persuasive technology so this basically designed to steal our focus, drain our dopamine, and make us mindlessly scroll through five different apps before remembering why we picked up our phone at first place.

So yeah honestly, it's not just about our declining attention span..it’s that technology is getting better at grabbing it.๐Ÿ”’

There's a research paper I found on this, so if you want to dive deeper into how tech is stealing your focus, here’s the link: [https://pmc.ncbi.nlm.nih.gov/articles/PMC9403363/ ]

๐Ÿ‘‰ Can You Fix Your Attention Span (and Maybe Your Commitment Issues)? ๐Ÿ› ️

If your brain feels permanently wired for 15- sec videos, don’t worry- it’s not irreversible. ๐Ÿ˜…

The solution isn’t just "read more" or "use social media less." The problem runs deeper..our reward system is broken. We have trained our brains to crave constant stimulation, so we need to rewire them for depth. ๐Ÿง 

Here’s How to Do It:-

Rebuild Your Baseline Dopamine Level ๐Ÿ“‰

Your brain now expects instant rewards. Take detox breaks- no scrolling, no short-form content. Engage with the real world. ๐ŸŒณ

Well, one great way to do this is Chris Bailey’s Disconnection Ritual. Pick a fixed time every day where you completely disconnect from your phone. I’m actually doing this myself. Of course, apart from researching for my blog, I have been consciously avoiding social media. Though, to be fair, I never even opened an Instagram or Facebook account in these 25 years of my life-so maybe I was always ahead of the game. Or not. Who knows? ๐Ÿค”

Train Your Deep Focus Muscles ๐Ÿ’ช

Our brain works on neuroplasticity so the more we  practice deep focus, the better we get at it. Try the Pomodoro Technique: focus for 25 minutes, take a 5-min break, and increase over time. ๐Ÿ…

Try Some "Slow Entertainment" ๐ŸŽฌ

Watch a full movie without checking your phone. Read a book without switching tabs. Sounds simple? Try it. ๐Ÿ“–

Replace Mindless Scrolling with "Active Scrolling" ๐Ÿง

Instead of random doomscrolling, curate meaningful content. Be intentional about what you consume. ๐ŸŽฏ In my spare time, I indulge in chess on Lichess- a platform where I consistently redefine the limits of stupidity with every move. If you ever want a confidence boost, feel free to join me. Watching me play is like a live tutorial on how not to play, starring yours truly..  

Presenting a cinematic masterpiece of my chess skills:-


✔ Try Breath Focus Practice ๐ŸŒฌ️

Well, you can also try Breath Focus Practice, a method taught by neuroscientist Amishi Jha. It helps in building focus by training your brain to control distractions. Here’s the link where you can learn this technique directly from her: 

https://youtu.be/YkYrQR8tFzk?feature=shared ]

You Can Do This With Relationships Too ๐Ÿ’–

Depth takes time. You won’t build deep connections if you treat relationships like short-form content. ๐ŸคIf Dostoevsky was right when he said, "To love someone is to see them as God intended them," then love, like focus, requires more than fleeting excitement. ✨

Final Thought: Can You Still Pay Attention ? 

SO if you made it to the end of this blog without switching apps or checking notifications- congratulations. Your focus is still alive. ๐ŸŽ‰

If not? Well… at least you skimmed through it. ๐Ÿคท‍♀️

Now be honest- how many times did you check your phone while reading this? And how many times have you used "vibe" as an excuse to abandon something meaningful?

Money Jargon for Mortals

 Welcome to adulting, aka "Why is my salary lower than expected, and where does my money disappear?" sooo if you are asking these questions, congratulations! You have joined the 73% of Indians who are financially lost but socially rich in Instagram filters.   WELL..Let’s fix that, one witty breakdown at a time...


If you have ever:

✅ Felt personally attacked by tax deductions

✅ Been excited about payday until you saw your bank balance

✅ Heard the legendary "Beta, shaadi ke baad sab set ho jayega" (while you're still figuring out how EMIs work)

…then hooray! WELCOME to the great Indian middle class struggle, and if financial terms sound like an ancient spell to you, don’t worry..you are not alone. Let’s decode the money mumbo-jumbo without putting you to sleep.


1. Savings – "If You Don't Save, Are You Even Middle-Class?"

๐Ÿ’ฐ Definition: Money you save for the future, but primarily to spare your mother's disappointment.

๐Ÿ‘ดParents: "Beta, save at least 50% of your salary!"

๐Ÿ˜ถ Reality: 50% of my salary is already spent on taxes, rent, and existential terror.

๐Ÿ’ Middle-Class Reality:- you wish to save, but life has a way of coming up with surprise expenses—doctor bills, weddings (since a no is not an option), and that one relative who believes you make in dollars.

You don't enjoy your salary,your landlord does.

๐Ÿ’กSurvival Tip:If saving is impossible, begin small. Consider it an EMI for your future self.


2. Debt – "Congratulations, You Now Owe Your Future to the Bank"

๐Ÿ’ณDefinition: Money taken to spend now and weep about afterwards.

 Debts You wll most likely have:

๐Ÿ“šEducation Loan – So that you can study diligently, get a job, and repay the loan till retirement.

๐Ÿ’ƒPersonal Loan – Personal Loan.. Usually taken because "Salary isn’t enough, but Instagram aesthetics must be maintained."

๐Ÿ‘€Credit Card Debt – The game of spending money you don't have on things you don't need (because cashback sounded too good).

 ⚠Warning:--- Middle-class individuals borrow money for anything but therapy.


3. EMI – "Installment Plans That Own Your Soul"

๐Ÿ“‰ Definition: A mechanism that makes costly things appear cheap, until you calculate.

 ๐Ÿ‘‰How EMIs Trick You:

            ₹50,000 phone? Too costly.

            ₹2,499 a month for 24 months? SOLD!

 ๐Ÿ™…Red Flag: If you are putting half your salary into EMIs, congratulations...you are now working for the bank.


4. Taxes – "Your Salary? Well Not Really Yours."

๐Ÿ“‘ Definition: The government's lingo for, "We like your sweat, now give us a share of it."

๐Ÿšจ Middle-Class Tax Math:   

                   Gross Salary: ₹50,000

                   Tax, PF, Deductions: ₹10,000

                   Rent, Bills, EMIs: ₹30,000

                   Remaining: A entire ₹10,000 to live your best life (for 30 days).

  ๐Ÿคก Meanwhile,relatives: "When are you getting married?"

     Me: "Bro, I can’t even manage my own expenses...how will I afford a wedding?"




5. Mutual Funds – "Because FD Rates Are as Exciting as Dry Toast"

๐Ÿ“‰  Definition: An option to invest your money without knowing the stock market.

⚠️ Misconceptions:

๐Ÿ‘ด   Parents: "Son, mutual funds are risky"

๐Ÿ™„   Me: "Papa, even going out of the house is a risk these days."

๐Ÿ‘Š Reality Check:-

            FDs = Safe, but slow (like Indian trains).

            Mutual Funds = Risky, but rewarding (like dating).

๐Ÿ’กBonus: The Rise of Digital Investments

Traditional investments are dull and slow, and that is why increasing numbers of people are considering digital assets. Even crypto, as volatile as it can be, has yielded greater returns than most traditional assets (if you do it cleverly and don't YOLO your rent money into it).


6. Inflation – "Why Your ₹500 Feels Like ₹50 Now"

๐Ÿ“Œ  Definition: The mechanism whereby things cost more but your wages remain constant.

 ๐Ÿ“Š Simple Explanation

            2010: ₹100 could get you a full meal.

            2025: ₹100 can get… a 500ml bottle of water at the airport.

๐Ÿ“ข  Moral of the story:-  If your money isn't appreciating at a rate higher than inflation, you are actually losing money by being alive.


7. Retirement Planning – "Yes, You Need to Think About This Before 60"

๐Ÿ‘ด Definition: A plan for how you will survive when you are old, retired, and stuck choosing between paying medical bills or giving "blessings" at every relative's wedding.

๐Ÿ”ด Middle-Class Reality:

      ๐Ÿ‘ต Parent's Retirement Plan: "Son, you will earn and handle everything."

      ๐Ÿ˜ถ Our Retirement Plan: "Survive now, panic later."


⭐Future You Will Thank You If:

       ✔️ You begin investing early, not at 50 and in a panic.

       ✔️ You don't count on "my kids will handle everything"


Last Thoughts:- Finance, But Make It Middle-Class

If you have read this far, well done! You now know that:

here is your concise, financially-flavored recap:

✅ Saving is essential—its a safeguard against life's unexpected surprises.

✅  Taking loans is normal—just don’t become an EMI slave.

✅  Investing isn’t just for rich people—it’s for those who don’t want to work till they drop.

✅  Wedding is an expense—and if you are still figuring out rent, tell your relatives to chill.


Finance is not intimidating—it's merely adulting with more math. The earlier you begin, the less anxious you will be when your best friend unexpectedly buys real estate, and you are still covering last month's Zomato bills.


๐Ÿ‘€What is your greatest financial challenge? Share with me in the comments or send me an email at samneuro630@gmail.com (I promise to respond before your next paycheck gets withdrawn).

Money jargon for mortals

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