Why a Salary Alone Will Never Make You Financially Free

No matter your occupation, a salary will never make you truly financially free. Your financial security stops the day you stop working. That’s why relying solely on your paycheck is risky, and why investing is non-negotiable.

1️⃣ You Must Invest, Regardless of Asset Class

Earning is only the first step. To grow wealth and achieve financial independence, your money needs to work for you. This means putting it into assets that generate returns over time.

2️⃣ But Don’t Just Invest Randomly

Investing blindly is almost as risky as not investing at all. Take time to understand what you’re putting your money into, assess the risks, and have a plan.

3️⃣ ETFs Are a Good Start

If you really don’t know where to start, consider ETFs (Exchange-Traded Funds). They’re simple, diversified, and allow you to DCA (Dollar-Cost Average) over time. Even a small, consistent allocation grows significantly in the long run.

4️⃣ Consider a Low-Risk Saving Plan

If equities or ETFs feel too risky, you can still invest through insurance saving plans. Many now offer capital guarantees, so your principal is safe. The bonuses may be low, but they often outpace inflation, better than letting money sit idle.

Conclusion

A salary can provide comfort, but it won’t give freedom. To secure your future, start investing now, even in small steps. Diversify your approach, protect your capital, and let your money work for you, so that one day, you’re financially free regardless of whether you work or not.

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