A majority of professionals chase titles and pay hikes, and in doing so, they get stuck in the rat race. The modern economy works like this, where people are required to hustle day and night for they want to attain prestige and promotions. It’s a slippery slope once a person joins a profession, and then over time, they are running until and unless they either quit or retire.
Amid the rising grind, hustle and stress that modern life has put on people, especially city dwellers, financial expert suggested that title and promotion aren’t true financial freedom. He said that it comes from owning assets that pay you even when you’re not working.
Financial freedom refers to a person’s ability to live life on their own terms — without being compelled
to do things just for money.
CA Nitin Kaushik (FCA, LLB) explained that many people spend their early years collecting job titles and degrees, assuming that these will secure their financial future. However, such achievements offer temporary validation rather than lasting wealth. “Titles expire when you resign, and resumes can’t buy time,” he said.
Instead of relying solely on a salary, he urges young earners to start thinking like owners — to acquire income-generating assets early.
Most 20-year-olds chase job titles. The few who don’t — build wealth. 💸
Here’s the truth no one tells you early enough:
Financial freedom doesn’t come from promotions or fancy degrees.
It comes from owning things that pay you even when you’re asleep.Focus more on:
• Real…— CA Nitin Kaushik (FCA) | LLB (@Finance_Bareek) November 8, 2025
Build Assets That Work While You Sleep
According to Kaushik, real wealth is built on three key pillars: real estate, business ownership, and cash flow.
Real Estate: “Rent never takes a holiday,” he notes, underlining how property ownership can create a steady income stream.
Businesses: Starting or investing in businesses allows profits to grow faster than salaries.
Cash Flow: Maintaining liquidity, Kaushik says, provides choices and flexibility, helping individuals weather financial shocks or seize new opportunities.
Freedom Over Validation
In Kaushik’s words, “Assets buy freedom. Status buys validation.” The difference between the two defines how early one can stop working for money and start making money work for them.
