Srinagar, June 11 -- When the income is steady, so is the peace at home. But when something interrupts that flow, like a health issue, job loss, or even seasonal business slowdown, the cracks show quickly.

The system depends on one person not faltering. That's a heavy burden.

Most families rely on what's called active income. You work, you earn. Miss a day, and you lose money. Stop working, and the money stops too.

In Kashmir, over 90% of people think of income this way. It's common and deeply rooted, but also risky. One accident, one illness, and everything can fall apart.

There's a quieter, often overlooked path: passive income.

This is the money that comes in without daily work. It could be rent from a room you lease out, interest...