was having a discussion with a friend in gurgaon. his ctc is 20 lakh. his in-hand is around 1.2 lakh per month after taxes, epf, and deductions. he doesn't splurge. no car. no kids. just a waifu. every project he visits starts at 2.5 crore. the brochures talk about infinity pools, zen gardens, italian marble, biometric lifts. if he buys this, he has to live paycheck to paycheck. no buffer. no vacations. no emergencies. he earns more than maybe 95% of india. still can’t buy a home in his city. the market is not broken. it’s working exactly as designed. for someone else.