Reframing the Classes: Income vs Reality (2025)
1) Ultra Poor (Below PKR 40k)
No assets. No buffer. Survival depends on charity, family, or debt. Any shock—illness, job loss—is catastrophic.
2) Poor (PKR 40k–75k)
Hand-to-mouth. Food first, everything else later. Debt is normal. Saving is fiction.
3) Lower Middle (PKR 75k–150k)
The most squeezed class. Pays bills honestly. No subsidies. No leverage. Electricity, fuel, and rent break the budget. One emergency pushes them downward.
4) Middle Class (PKR 150k–350k)
Stable, not secure. Often survives because:
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