FROM PENGUIN RANDOM HOUSING INDIA
THE MIDDLE CLASS MILLIONAIRE
Middle Class by Birth, Millionaire by Habit
Escape survival mode. Master strategic wealth creation through proven behavioral finance strategies.
MIDDLE CLASS MILLIONAIRE
Why the Middle Class Stays Stuck
You earn more than your parents earned. You save more too. Yet somehow, wealth feels like a moving target. You're not lazy. You're not bad with money. The problem? Nobody taught you the strategies.
The middle class works harder than everyone else—entrepreneurs, laborers, executives. But earning power ≠ wealth building. Fear, misinformation, and inherited limiting beliefs silently sabotage your future.
This book breaks that cycle. Through real stories, behavioral insights, and actionable strategies, you'll understand why inflation destroys middle-class wealth, how to build a decade-long blueprint, and exactly why millionaires think differently than employees.
"You don't need to earn more. You need to think differently about what you earn." — Ashok Devanampriya
10+
Years of Research
50000+
Community Members
Cities Reached
7+
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Ashok Devanampriya
FOUNDER & CEO, CAUTILYA CAPITAL
AUTHOR - TEDX SPEAKER
Meet Ashok Devanampriya
MECHANICAL ENGINEER
MBA
IIM BANGALORE
TEDX SPEAKER
FINTECH ENTREPRENEUR
VISITING PROFESSOR
Ashok Devanampriya is a fintech entrepreneur and wealth strategist helping Indian HNIs and global NRIs invest responsibly through AI-driven research and risk-adjusted strategies.
As the Founder & CEO of Cautilya Capital — a Bengaluru-based quantitative wealth management firm — he brings over a decade of market experience, combining quantitative models, investing psychology, and risk management to guide long-term wealth creation.
A TEDx speaker, mentor, and visiting professor at leading business schools across India, Ashok is committed to democratising strategic wealth thinking for every ambitious Indian.
THE AUTHOR
Cautilya Capital
Wealth Strategy Reimagined
Quantitative wealth strategies for HNIs, NRIs, and ambitious families
Founded in 2018, Cautilya Capital bridges the gap between behavioral finance and algorithmic wealth optimization. We serve high-net-worth individuals, non-resident Indians, and first-generation wealth builders across India, USA, and UAE.
Our approach combines quantitative modeling with emotional intelligence understanding not just numbers, but psychology. We've helped 200+ families build sustainable wealth through portfolio optimization, tax efficiency, and behavioral coaching.
Comprehensive financial health check
Wealth Audit
Tax-efficient strategies for global income
NRI Solutions
Algorithmic rebalancing for maximum returns
Portfolio Optimization
Generational wealth planning & structures
Family Office Setup
Chapters Preview
Chapter 1
The Middle-Class Money Trap
Why earning more doesn't mean building wealth
The average middle-class household in India has increased its income by 8% annually over the past decade. Yet asset accumulation remains stagnant. Why?
The trap is psychological. When earning increases, expenses rise proportionally—a phenomenon called lifestyle inflation. New car, bigger house, children's education, travel. Before you know it, 80% of your increased income is consumed.
"Key Insight: The middle class earns like an executive but spends like an entrepreneur's family."
"Key Insight: Your bank account isn't protecting wealth—it's destroying it through inflation erosion."
Chapter 2
Inflation: The Silent Wealth Killer
How to turn your biggest enemy into your greatest ally
Inflation is the greatest wealth destroyer the middle class doesn't understand. While you're focused on earning more, inflation silently erodes your purchasing power at 5-7% annually.
Let's do the math. If you save ₹1 lakh today at 6% interest, inflation at 6% means your real returns = 0%. You're running on a treadmill. You're saving, but you're not building wealth.
"Key Insight: Your bank account isn't protecting wealth—it's destroying it through inflation erosion."
Chapter 3
Your 10-Year Wealth Blueprint
The exact playbook to multiply your wealth systematically
a systematic playbook for middle-class individuals to build millionaire-level wealth through disciplined, compounding strategies rather than luck or high-risk gambles. It emphasizes a phased roadmap tailored for salaried professionals in India, focusing on consistency over quick wins
Let's do the math. If you save ₹1 lakh today at 6% interest, inflation at 6% means your real returns = 0%. You're running on a treadmill. You're saving, but you're not building wealth.
Voices from the MCM Community
Real stories of transformation from readers like you
"Before MCM, I was earning ₹15 lakh annually but had zero wealth. Just expenses. After Chapter 1, I realized my money psychology was broken. Three months later, I redirected ₹50,000/month to investments. Portfolio grew 35% in year one."
Priya Menon
Marketing Manager, Bangalore
"As an NRI in Singapore, I thought I had it figured out. But this book showed me I was paying way more taxes than needed. Ashok's framework saved me ₹8 lakhs in the first year. Game changer."
Raj Patel
Tech Lead, Singapore
"I've read every personal finance book. MCM is different. It's not theory. It's a blueprint. I built my wealth plan in 2 days. Now my family is on track for ₹1 Cr in 7 years."
Dr. Arun Sharma
Entrepreneur, Delhi
"The bootcamp was the best investment I've made. Personal wealth blueprint + mentoring + community access. I'm now building my portfolio with confidence instead of fear."
Vikram Singh
Consultant, Mumbai
"Finally someone who speaks my language. Not crypto millionaires or stock market gurus. Real middle-class wealth strategies. Applied 3 principles. My savings rate doubled."
Sneha Kumar
Senior Analyst, Hyderabad
AVAILABLE NOW
MCM Book
The foundation of the movement. A story-driven, insight-packed guide that rewires how the middle class thinks about money, wealth, and financial freedom.
Published by Nu Voice Press. Distributed by Penguin Random House India.
One Vision. Six Pilliars
Wherever you are in your journey, we've built the platform for you. From the book to bootcamps, from app to events—the MCM ecosystem is your complete wealth transformation system.
COMING SOON
MCM App
Your personal wealth companion. Track financial habits, access bite-sized millionaire lessons, run calculators, and get personalized wealth-building nudges.
Available on iOS & Android · Built by Cautilya Capital
LAUNCHING 2027
MCM Web Series
A cinematic docuseries that follows real middle-class families on their journey to financial freedom. Each episode unpacks a wealth trap and a strategy.
Streaming platform TBA · 8 episodes · Directed by leading OTT creators
LIVE NOW
MCM Social Community
Follow the movement across Instagram, YouTube, LinkedIn, and X. Daily wealth tips, myth-busting content, author sessions, and reader success stories.
REGISTRATIONS OPEN
MCM Conclave
India's premier annual gathering of middle-class wealth builders. Thought leaders, fintech pioneers, successful NRIs, and first-generation millionaires. One day. Radical clarity.
Annual event · Bengaluru · 500+ Attendees
LIMITED SEATS
MCM Boot Camp
An intensive 2-day live wealth transformation program. Work directly with Ashok Devanampriya to audit your finances, break money beliefs, and build your personal blueprint.
2 Days · In-person + Virtual · Certificate of Completion
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Head Office: Cautilya Wealth Education and PVT LTD, #40, 2nd Floor, S End Rd, Tata Silk Farm, Basavanagudi, Bengaluru, Karnataka 560004
Phone: +91 6360103664
Corporate Office:
45, 46, 7th B Main Rd, 4th Block, Jayanagar, Bengaluru, Karnataka 560011
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Grow Wealth Seamlessly: Time-Tested Tactics for Bold Capital Expansion.
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MCM UNIVERSE
MCM Book
MCM App
MCM Web Series
MCM Social Media
MCM Conclave
MMC Boot Camp
THE BOOK
About MCM
Author
Review
CAUTILYA CAPITAL
Services
Wealth
Education
About
Grow Wealth Seamlessly: Time-Tested Tactics for Bold Capital Expansion.
Follow Us
© 2026 The Middle Class Millionaire. All rights reserved
Published by Nu Voice Press | Distributed by Penguin Random House India
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Contact Us
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