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Tier-II cities (Middle age (Self employed (Doctors practising in…

- - - - House helpers
      - Drivers
      - Personal assistants
      - Security officials
    - - Professors
      - Bankers
      - Engineers
      - Government officers
      - Journalists
  - - - Grocery/general shop owners
      - Stationery/photo-copy shop owners
      - Pan shop owners
      - Vegetable vendors
    - - Industrialists
      - Importers/Exporters
      - Builders
      - Jewellers
      - Hoteliers
      - Press owners
    - - Sweet shop owners
      - Clothes/material shop owners
      - Electronic shop owners
- - - - Dependent on family members (e.g. kids provide money)
      - Non-dependent on family members (e.g. living in old age homes)
    - - Pension
      - Rent
      - Return on investment
- - - - Saves money
      - Doesn't money
  - - - Fixed pocket money
      - Varying pocket money
    - - Fixed budget
      - No fixed budget