EMI Culture: Zindagi Ki Mahana Qist
Hum sub maantay hain ke EMI (Equated Monthly Installment) asaani laati hai. Lekin asal mein yeh aik trap (pinjra) hai.
EMI ka matlab hai k aap nay apni aanay wali life, apny saal, apney mahinay, Bank k nam likhwa diye hain. Jab aap kisi cheez ko kharedte hain, toh app sirf product nahi letay balke 'Bankers' ki aamdani (revenue) purchase kartay hain.
Misaal: Phone Rs 100,000 ka hota hai. Dukaandaar aur Bank milkar appko kehtay hain, 'Bas 5000 / month.' Apko ye asaan lagta hai, lekin 2 saal tak usay detay hue aap isay 120,000 se 130,000 tak le jayengay.
Isay kehte hain 'Future Income Discounting'. Matlab: Apne aaj ki aish kay liye aanay waalay 5 saal ka time Girvi (mortgaged) rakh diya hai. Ab aapko boss ki dant se darr lagega, aap risk lena chhodh dengay kyunkay aapko 'EMIs' bharni hoti hain.
Sochiye: Jis insaan par EMI ka teer latak raha ho, kya woh kabhi azaadana soch (Freedom to think) rakhta hai ya woh bas survival machine bann gaya?
Key Takeaway
EMI basically apni future freedom ko current moment mein aish karne keliye bechna hai. Yeh modern day ka ghulami ka nizam hai.