This article isn’t about criticizing Apple or their products. Apple makes excellent devices—sleek, powerful, long-lasting. But what we aim to do here is raise awareness, especially among middle-class professionals, students, and early-stage entrepreneurs. Let’s break down why you should think twice before spending big on luxury gadgets if you’re earning under ₹1 lakh per month.

In today’s tech-driven world, owning a premium device like an Apple MacBook, iPhone, or any high-end gadget has become a symbol of status and style. The glossy finish, top-tier performance, and the Apple logo can be incredibly tempting. But the hard truth is: if your monthly income is less than ₹1 lakh, buying such high-priced items might not be a wise financial decision.

This article isn’t about criticizing Apple or their products. Apple makes excellent devices—sleek, powerful, long-lasting. But what we aim to do here is raise awareness, especially among middle-class professionals, students, and early-stage entrepreneurs. Let’s break down why you should think twice before spending big on luxury gadgets if you’re earning under ₹1 lakh per month.

📉 The Harsh Truth About Resale Value

Let’s start with a reality check.

You may spend ₹1.20 lakh or more on a new MacBook or ₹1.5 lakh on the latest iPhone, assuming it’s an investment. But when the time comes to resell—especially during a financial emergency—you might not even recover 10%–15% of your purchase price.

📌 Example: A MacBook bought for ₹1.20 lakh might fetch you only ₹10,000 to ₹15,000 after 2-3 years, even if it’s in good condition. That’s the harsh depreciation curve of luxury gadgets.

Unlike real estate, gold, or even a well-maintained car, electronics depreciate rapidly—sometimes losing more than 50% of their value in the first year itself. This becomes even worse when new models are released annually.

💸 Monthly Income vs. Lifestyle Expenses: The 60% Rule

If you earn ₹50,000–₹90,000 per month and you’re spending ₹1 lakh+ on a gadget, you are essentially putting more than 100% of your one month’s income into a depreciating asset.

A good rule of thumb for financial health:

✅ Never spend more than 60% of your monthly income on lifestyle expenses—this includes rent, EMI, utilities, groceries, clothing, and entertainment.

This leaves you with 40% for: Savings, Emergency funds, Investments, Unexpected costs (like medical emergencies)

Buying a high-end laptop or phone on EMI means adding a financial burden that eats into your emergency savings. This may lead to cash flow issues and mental stress during unforeseen situations like job loss, medical emergencies, or family crises.

🚨 The Real Cost: It’s Not Just About the Price Tag

Here’s what many people ignore:

1. EMI + Interest = Paying More

2. Accessories and Repairs Are Also Expensive

3. Pressure to Maintain Lifestyle

💼 Especially True for Corporate Employees

If you work in the private sector with a salary less than ₹1 lakh per month, remember this:

Your job doesn’t guarantee long-term financial stability.

Annual appraisals may be minimal.

Layoffs, management changes, or burnout are real and frequent risks.

Don’t sacrifice your financial security for short-term gratification or a “cool” image at work.

🧠 Smart Alternatives to Consider

If you need a device for work or study, consider:

Windows laptops under ₹50,000–₹60,000 that offer excellent specs for coding, designing, content creation, etc.

Mid-range Android phones (₹20,000–₹30,000) that have powerful performance.

Refurbished laptops or phones with warranties.

Cloud-based software tools that reduce the need for high-end hardware.

Remember, being productive and successful doesn’t require luxury tools—it requires smart planning and discipline.

🤯 Real-Life Scenario

Let’s imagine:

Your salary is ₹70,000/month.

You bought a MacBook for ₹1.20 lakh on EMI.

Your monthly EMI is ₹10,000.

Then, you lose your job or need funds for an emergency.

You try to sell the MacBook and get just ₹12,000–₹15,000. But you still owe ₹50,000 on the EMI loan. Now you’re stuck paying for something you no longer use, with no savings left.

This is not rare. It happens all the time.

🧭 Final Thoughts: Build Assets, Not Liabilities

Before purchasing anything expensive, ask yourself:

Is it a need or a want?

Will this item help me earn money or is it just for status?
Can I recover its value if I’m ever in trouble?

If the answer is no—pause. You’re better off saving, investing, or spending on assets that appreciate over time.

🛡️ Financial Freedom > Digital Flaunting

Your goal should be financial independence—not approval from Instagram followers or coworkers.

You can always buy premium gadgets later, when:

Your monthly income exceeds ₹1.5–₹2 lakhs

You have 6–12 months of emergency funds

You’re not dependent on EMIs to sustain a lifestyle

Until then, be smart. Be practical. Your peace of mind is far more valuable than a glowing Apple logo.

🙏 Closing Note

This article is not against Apple or any luxury brand. They offer outstanding quality—but only when your financial foundation is strong enough to enjoy them without stress. Let’s make financial literacy and practical choices a part of our culture, especially for India’s growing middle class and young professionals.

If this message resonates with you, share it with someone who’s planning a big purchase without considering the consequences.

Let’s build a generation that’s wise with money and strong in values. 💪💼📉

📍 Panchkula, Haryana | 📞 +91-9911539101 | 📧 sidigiqor@gmail.com | 🕘 Monday to Saturday, 9:00 AM – 6:00 PM | 🌐 www.sidigiqor.com

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