New Delhi, July 7 -- India's middle class could be headed for a retirement crisis, much earlier than expected, with financial advisors warning that many salaried professionals may struggle to remain employed beyond the age of 45.

Rising lifestyle costs, stagnant incomes, and insufficient long-term savings are pushing people closer to financial burnout, says chartered accountant and wealth advisor Kanan Bahl.

In a widely shared LinkedIn post, Bahl cautioned: "45 is the new 60. Don't make retirement plans as if you'll be earning till 60." The advisory comes amid concerns that rapid changes in technology and hiring patterns may cut short many private sector careers.

"Jobs will increase with AI and automation, but not everyone will be able...