India, Feb. 4 -- For a Kolkata-based psychotherapist, the journey to professional independence has been as much about financial discipline as it has been about clinical expertise. Livingwith her parents in Baghajatin, Sneha Dey manages her monthly earnings by carefully navigating EMIs and rising medical costs, which consume nearly half of her budget. Her story provides a rare glimpse into the 'middle-class math' of a mental health professional striving to build a secure future as the sole earner of her family while serving the community. In a conversation with HT.com, the 37-year-old gives a glimpse into her monthly expenses.

The largest portion of Dey's income is dedicated to fixed liabilities, with 30% going toward EMIs. In addition to...