The monsoon is such a dominant part of Indian life that it is hard to overstate its importance. One's life completely changes based on the rain. After the monsoon, because the dust settles, one can see further and so it feels like one's eyesight has improved or that one is living in a different country where there is more light.
As a teacher, I can help my students see what is working and not working. I can show them certain solutions. I can guide them to books that will serve as role models. Largely, though, one learns to write almost like developing muscle memory, and this requires years of effort.
Money is part of how we move through the world, what stores and restaurants we go into, whether we take a train to the airport or a taxi. Describing characters living in the real world requires describing them engaging with money. There are also so many emotional aspects to money - feelings of inadequacy, feelings of security. I am not sure if there needs to be more about money in fiction, but the absence of this aspect can make a story feel somehow frictionless and unreal.