Everyone wants a luxurious life and follows a fast the philosophy of going western way. After all we have pay back something. You can't get everything at the same time. And one has to understand when you go beyond your spending limits, it will definitely being you a lot of worries. In India everything is at sky rocking price. We must weigh our valet before spending and this is the biggest worry for most of the high tech professionals. There is no job guarantee and this increases their stress level multi folds. Jitni chadar ho utna hi pair failana chahiye nahin to thand lagegi.