Gen Z in India - Loans & EMIs for Holidays, Phones, Concerts

For CNN, I'm working on a story about how Gen Z in India spends money, and I'm curious to hear your stories. Have you taken a loan for a holiday, a phone, a concert, or an experience you felt was worth every rupee? Have you used EMIs or credit to make it happen? Looking back, would you do it again? If you're open to talking, send me a DM. Happy to keep the conversation confidential.