There is a school of thought among the self-righteous who believe that one should neither lend, nor borrow. But, that is no more the case with an entire generation of Indians, who are willing to live EMI-to-EMI, which makes their lives revolve around paycheque-to-paycheque. There is nothing wrong living this way as long as one is able to manage the loan repayment. It also gives them the opportunity to realise a lot of their financial aspirations and desires in life.