Most of us focus on our salary and expenses and assume that as we save more, we will get richer. This approach to personal finances is themost common reason of why most people do not get rich. One does not become rich by earning well and saving well. To get rich, one needs to change the focus from one’s salary and expenses to one’s return on investments. We must make our money work for us (instead of us working for money). In about a decade, if we get good returns on our investments, our income from our investments will be far more than our expenses.

So here is my formula for financial success in India:

  1. In your 20’s and 30’s, you work hard and grow your career/income – but also focus on learning to invest
  2. In your 30’s and 40’s, your investments would be working hard for you
  3.  In your 40’s, based on passive incomes from your investments, you would achieve financial freedom from job and have the option of following your passions.

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