Yes, you're right. That's what I'm saying. In India, may be because of the less lavish lifestyle and lesser prices of goods and services, the situation is better even if people are earning a lot lesser than developed countries. 

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Yes but you need to take out the costs for existing out of that as well and there would be lots not earning 100k a year. I earn 100 odd a year and we have next to no spare money to invest after housing , food , utilities and 4 kids 