💰 Financial and Investment Advice No One Tells You About

Hey Guys : 

There was a time when i used to waste the wealth of my father greatly without taking care how hard he is working well it was all because no one had taught be anything how to spend and manage your wealth in a proper way and how not to waste your parents wealth let  me give you example of mine whenever i go out to have a dinner i ended up wasting my father s wealth on eating two to four dinners one time which was even costly and not only that whenever i go to mart to do shopping or buy something i always ended up buying the same thing which i already had and in this way i ended up wasting bundles and bundles of my parents wealth and this also bring anger to my father 

Before moving forward let me tell you one thing you don t even know how hard your father is working day and night to full fill your needs and you just sitting on your bed and eating snacks brought by the money of your parents and watching movies even bought through your parents money if that is your situation then let me tell you i was also in that situation not even thinking how hard my father is working and not only working he is all sacrificing his own dream . My life changed when one of my family member told me that your father loves a car but he is not buying it because he is spending all his hard work on me and i was not giving any response to him in return wasting away his wealth and this made him angry and secondly it was not my fault as well i was not taught by anyone or not in school how to manage you expanses what to buy what not to buy and where to invest the money etc .All i was taught was english lessons algebra sciences etc 

After just listening this from one of my family member it changed my life completely i started to think that how can i manage money myself then i started to do some Research and this is all what i learned and this literally changed my life and these are something no one literally no one will tell this is discovered by me you can thank me later after reading out this and dont forget to share this with your friends and family as well 

lets deep dive into it 

🔥 Introduction:

We live in a world flooded with financial advice — “Save more”, “Invest early”, “Buy low, sell high.”
You’ve probably heard it all.
But what if I told you… there’s a whole world of “hidden truths” that most people never discover?

This post isn’t just another money guide — it’s the raw truth about money, investments, and freedom that no one teaches you in school, university, or even YouTube.

Whether you're in London, Toronto, New York, or Dubai — this guide will shake your mindset and give you tools that actually change your life.

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💡 1. Being Broke Is Cheaper Than Middle-Class Life

Most people think they’re “okay” financially because they:

• Have a car loan

• Rent a nice apartment

• Go on two holidays a year

• Own an iPhone 15

But this is the “middle-class trap” — where your income increases but expenses explode.

📉 Being broke teaches you to live light.
💸 Being middle-class forces you into debt, taxes, and pressure to “look rich.”

👉 Surprising Truth: Sometimes, your broke phase saves more money than your 9–5 job.

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🔍 2. Your Job Is Not a Wealth Plan

A job is a tool to earn money — not to build wealth.

Here’s what most people don’t know:

• Your salary is taxed before you even touch it.

• You exchange time for money, which is the most limited resource you have.

• Promotions just increase stress and lifestyle costs (car, clothes, status).

Wealth is not about how much you earn.
It's about how much you keep, grow, and multiply without working more hours.

🎯 Astonishing Advice:

Start building multiple income streams early — freelance, affiliate marketing, digital products, or a simple investment account.

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🚀 3. Start Investing Even If You’re Poor

"I’ll invest when I have money."

No. That’s backward thinking.

If you had invested £100/month since age 20, you’d have over £160,000 by age 50 (based on 10% annual growth).

Even if you can only invest $10 a week into:

• Index funds (like S&P 500)

• ETFs (like Vanguard or iShares)

• Robo-advisors (like Wealthfront, Betterment, or Sarwa in UAE)

You’ll build the habit and learn the system.

✅ Tip: Use platforms like:

• UK – Freetrade, Trading212, Vanguard UK

• USA – Fidelity, Robinhood, M1 Finance

• Canada – Wealthsimple, Questrade

• UAE – Sarwa, Baraka, StashAway

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🧠 4. The Banks Don't Want You Smart

Banks make money when:

• You borrow money (interest)

• You spend money (fees)

• You keep savings (low interest)

They lose money when:

• You invest smartly

• You negotiate fees

• You learn to use credit wisely

🧨 The shocking truth? Your bank is not your friend.

They will sell you “products” that make them rich, not you.

✅ Do This Instead:

• Move your savings to high-yield accounts or investment apps.

• Never leave more than 3–6 months of emergency cash sitting idle.

• Learn about DeFi and digital wallets — they’re the future.

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🛑 5. Budgeting Alone Won’t Make You Rich

Budgeting helps you track expenses — but it doesn’t grow money.

You can cut every coffee, meal, or movie and still stay broke.

The real game is:

• Increasing income

• Learning to leverage money

• Owning assets that work while you sleep

👉 Replace "I need to save more" with "I need to earn smarter and invest faster."

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💣 6. Debt Is a Tool — But You Were Never Taught How to Use It

Debt isn’t evil — but how you use it is what makes or breaks your future.

❌ Bad Debt:

• Credit cards

• Personal loans for vacations

• Buying a car you can’t afford

✅ Good Debt:

• Real estate that cash flows

• Business funding

• Education that increases income

Surprise: Rich people use debt more than poor people — but in ways that make them richer.

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💼 7. School Didn’t Prepare You for Real Financial Life

You spent years learning algebra, literature, or science — but no one taught you:

• How to read a bank statement

• What inflation does to your savings

• How to budget, invest, or file taxes

• How to escape the 9–5 treadmill

That’s not an accident — the system was designed to create workers, not wealthy thinkers.

That’s why self-education is the most profitable thing you can do.
Read finance blogs, follow YouTubers, take free courses — it all adds up. You can follow up mine at : https://www.mindsetmasteries.org/  and learn more about investments and finances i also mentioned stories of the people of how they became millionaire from broke 

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🧨 8. Emergency Funds Matter More Than Crypto

Yes, crypto is exciting. Yes, stocks can 10x.

But what will actually save your life during:

• Job loss

• Family emergency

• Economic crash

…is not Bitcoin. It’s an emergency fund.

Start with:

• $500 minimum

• Goal: 3–6 months of living expenses

• Keep it in a separate bank account

You’ll sleep better — and invest without panic.

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🕰 9. Timing the Market is a Waste — But Time in the Market is Power

Many people try to “guess” when to buy or sell stocks.

But millionaires don’t do that.

They buy quality index funds, ETFs, or dividend stocks — and hold them for years.

Warren Buffet said:
“The stock market is a device for transferring money from the impatient to the patient.”

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🌍 10. Where You Live Affects Your Wealth More Than You Think

Living in London, Toronto, New York, or Dubai is expensive — but you don’t have to stay stuck.

A shocking truth: Digital work lets you earn in dollars or pounds and spend in cheaper places.

You could:

• Earn £2,000/month online

• Live in Turkey, Pakistan, or Georgia for half the cost

• Save more, invest more, live free

This is called geo-arbitrage — and it’s how smart people build wealth faster.

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🧠 11. Most People Don’t Want Freedom — They Want Safety

When you start talking about:

• Quitting your job

• Working online

• Starting a side hustle

• Investing aggressively

You’ll hear:

“That’s risky!”
“Just stay safe.”
“What if it doesn’t work?”

But the truth is — working 40 years with no savings is the real risk.

Freedom feels dangerous at first — but it’s the only real path to wealth.

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🧲 12. Money Doesn’t Change You — It Reveals You

If you:

• Avoid helping family now — you won’t help with a million dollars.

• Don’t give charity now — you won’t when rich either.

• Panic with $100 — you’ll panic with $100k too.

Start building your mindset and discipline now.
Money is just a mirror.

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✅ Final Summary: The Advice No One Tells You

Surprising Truth	Why It Matters
Middle class can trap you	Comfort kills growth
Your job won’t make you rich	Time is more valuable than money
Invest even when broke	It’s about habit, not amount
Banks are not your friends	Be smarter than the system
Debt is a tool	Learn to use it, not avoid it
Budgeting isn’t enough	Build income, not just cut costs
School failed your financial IQ	Self-education is power
Emergency funds > crypto hype	Safety first, then profit
Patience beats timing	Stay in the game long enough
Freedom > safety	Don’t let fear decide your future

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🙌 What Should You Do Next?

1. Track every rupee, dollar, or dirham you earn

2. Invest monthly, even if small

3. Start a side hustle or blog to increase income

4. Build an emergency fund

5. Avoid lifestyle inflation — stay humble even when earning

6. Read and learn weekly — from blogs, books, podcasts

7. Surround yourself with freedom thinkers

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💼 Bonus Tip:

If you're serious about applying this advice — check out platforms like:

• ✅ Wise (to receive international payments)

• ✅ Payoneer (for freelance earnings)

• ✅ Fiverr (start freelancing today)

• ✅ Wealthsimple (Canada)

• ✅ Sarwa (UAE)

These are all things which i have learned and then implemented and have seen massively amount of results you could also implement it in your life and check out results after six month and thank me later 

 

You could also read out how a man became millionaire just by seling old dusty books https://www.mindsetmasteries.org/2025/07/how-man-sold-old-books-and-became.html 

if you are broke and want to start a business with no money at all then you could read 

https://www.mindsetmasteries.org/2025/07/how-to-start-business-with-no-money-at.html

if you want to know five high income skills then you could read out 

https://www.mindsetmasteries.org/2025/07/5-high-income-skills-to-learn-and-earn.html

Thanks a lot for reading out this and i will caught you in another post till then take a good good care of your self and 

PEACE 

YOUR WELL WISHER 

SAAD UR REHMAN HEAD AND FOUNDER OF PAGE MINDSET MASTERY