Life in 2040: What Indians will really pay for

Looking ahead to the next 15 years, we asked financial planners and wealth advisers: What expenses will reshape household budgets by 2040? Not tweaks to existing categories, but fundamental shifts in how Indians will need to allocate money. From cognitive care to climate adaptation, from subscriptions that never end to retirements that stretch four decades, here are the costs your portfolio needs to prepare for—even if they don’t appear on any financial plan today.