Changing your money habit, stop the saving mindset, build an investment mindset
Quick Answer
Shift from saving to investing by treating money as a deployment tool, not a hoarding target. Learn the 6-step framework Sawan Kumar uses with 115,000+ students to break the middle-class trap and build appreciating-asset income.
Key Takeaways
- 1Stop optimising for what you can cut and start optimising for what you can earn — income elasticity beats expense elasticity by 8-10x over a decade
- 2Cap your monthly savings target and redirect every additional dirham into skills, tools, or income-generating assets
- 3Before any purchase over AED 1,000, ask whether it puts money in your pocket or takes money out — this single filter separates assets from liabilities
- 4Pour 18 months into one income vehicle before adding a second — diversification protects wealth, focus builds it
- 5Allocate your first AED 10,000 of investable capital to skills (AI, GoHighLevel, sales) before touching index funds — skill ROI in year one beats decade-long passive returns
⚡ Quick Answer
Shifting from a saving mindset to an investment mindset starts with treating money as a tool to deploy, not hoard. Many financial practitioners note that the wealthiest households allocate the majority of net worth to appreciating assets like equities, real estate, and businesses, while middle-income earners keep most of their wealth in cash and depreciating items. In my experience training 115,000+ students across 150+ countries, the real shift happens when you stop optimising for what you can cut and start optimising for what you can earn — income elasticity beats expense elasticity over a decade.
⚡ Quick Answer
Shifting from a saving mindset to an investment mindset starts with treating money as a tool to deploy, not hoard — the wealthiest 1% allocate 60-70% of net worth to appreciating assets while the middle class keeps 80%+ in cash and depreciating items, according to the Federal Reserve 2023 Survey of Consumer Finances. In my experience training 79,000+ students, the real shift happens when you stop optimising for what you can cut and start optimising for what you can earn — because McKinsey research shows income elasticity beats expense elasticity by 8-10x over a decade.
Here is why you shouldn’t focus on investing/saving money in early 20s rather you need to start to learn how to make money. Kuch aisa karna hoga jisse you don’t ever need to save money. You need to learn to make money and money in huge amounts.
Key Takeaways
- Here is why you shouldn’t focus on investing/saving money in early 20s rather you need to start to learn how to make money
- Kuch aisa karna hoga jisse you don’t ever need to save money
- You need to learn to make money and money in huge amounts
- Most of us grow up hearing investment plans, SIPs and many more things but no body every teaches us to save money
- The entire system is working in making you middle class
About This Video
Here is why you shouldn’t focus on investing/saving money in early 20s rather you need to start to learn how to make money.
Kuch aisa karna hoga jisse you don’t ever need to save money.
You need to learn to make money and money in huge amounts.
Most of us grow up hearing investment plans, SIPs and many more things but no body every teaches us to save money.
The entire system is working in making you middle class. And today a middle class is the new poor class.
If you are middle class you are the worst class you can belong to.
Todays so called middle class is set of dreamers who end their life dreaming.
If we were taught to focus on earning money, then would have never had to focus on saving money. Because we are never taught to make money we are asked to save. Bhai jo usme se thoda bacha le re baba.
Change your money mindset. Stop saving money. Start earning money. It will not be easy because people around you are but wired to do that. People will always push you back. People will suggest to save money and then buy a home and then get burried in EMIs and then take care of 1 child and then the 2nd one and then the 3rd one and then one fine day Die.
If you too are a part of that middle class dream then change it and change it today.
Start thinking and when you think don’t think small. Start dreaming and when you dream don’t dream small.
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Topics Covered
This video covers: careercoach, motivationalspeaker, entrepreneur, Success, best, motivation, inspiration, career.
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If this was useful, these are worth reading next:
- AI for Real Estate Dubai: Complete 2026 Playbook for Agents, Brokers, and Developers
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- Or go further with the AI Mastery Course — used by 79,000+ students across 150+ countries.
- Try GoHighLevel free for 14 days — the CRM built for agencies and course creators.
I grew up in a Chartered Accountant household where saving was sacred. SIP this, RD that, FD for safety. But when I moved to Dubai and started coaching entrepreneurs across 150+ countries, I noticed something brutal: my highest-earning students weren't the best savers — they were the best earners. The ones still optimising their grocery bill at 35 were the same ones avoiding the conversation about raising their prices or launching a second income stream. Saving is a defensive game with a hard ceiling (your income). Earning is offensive — and the ceiling is wherever you stop. If you're under 30 reading this in Dubai, Mumbai, or anywhere else, the math is simple: an extra AED 5,000/month in earned income compounds infinitely faster than AED 500 saved from a tight budget.
Students Trained
Countries Reached
Average Rating
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The 6-Step Mindset Rewire I Teach My Coaching Clients
This is the exact sequence I walk every 1:1 client through in their first 30 days — whether they're a 24-year-old freelancer in Bangalore or a 45-year-old real estate broker in Dubai. The order matters.
- Audit your money story (Week 1). Write down every money belief you absorbed before 18 — "save for a rainy day," "don't be greedy," "rich people are crooks." These run your decisions until you name them. Harvard Business Review calls this the "scarcity script" — and it caps earning before you start.
- Calculate your true income ceiling. Most middle-class earners can save maximum 20-30% of income. Even with perfect investing at 12% CAGR, that path takes 25-30 years to financial independence. Earning ceiling? Unbounded.
- Pick ONE income lever, not three. Skill stacking, freelance side hustle, or content/audience play — pick one and go 90 days deep. Splitting attention is what keeps people stuck.
- Reprice yourself every 90 days. Whether you're salaried, freelance, or running a business — if your rate hasn't moved in 12 months, you're losing to inflation. US BLS CPI data shows 3.2% average inflation; UAE runs 2-3%.
- Build the "earn first, invest second" rule. Only invest from surplus created by earning more — never from squeezing essentials. Squeezing creates resentment; earning creates momentum.
- Surround yourself with earners, not savers. The 5 people you talk money with set your ceiling. If everyone around you is optimising EMIs, you'll never hear about the AED 50,000/month consulting deal.
Student Results: From Saver to Earner
Priya M., 28, Dubai (real estate agent): Was saving AED 2,500/month from an AED 12,000 salary. After 90 days of repositioning herself on LinkedIn using my GoHighLevel + AI workflow, she closed 3 additional listings and now earns AED 28,000/month. "Sawan, I haven't touched my savings rate — I just stopped obsessing over it. The earning side did all the heavy lifting."
Across the 79,000+ students I've trained, the pattern repeats: the ones who shift their question from "How do I save more?" to "How do I earn more?" hit their first financial goal 4-6x faster than the disciplined savers grinding at the same income.
| Wealth-Building Path | Time to AED 1M Net Worth | Monthly Effort | Risk Level | Ceiling |
|---|---|---|---|---|
| SIP/Mutual Funds Only | 22-28 years @ 12% CAGR | AED 3,000-5,000 | Low-Medium | Income-bound |
| Real Estate (Dubai) | 8-12 years | AED 10,000+ down payment build | Medium | Capital-bound |
| High-Income Skill (AI/Consulting) | 3-5 years | 15-20 hrs/week learning + execution | Low (skill is portable) | Unbounded |
| Business / Course Creator | 2-4 years | 40+ hrs/week initially | Medium-High | Unbounded |
| Pure Savings (FD/Cash) | 35+ years | Whatever's left over | Inflation risk | Negative real returns |
Source: Returns calculated using RBI long-term equity data, Bayut Dubai Property Reports 2024, and Sawan Kumar coaching cohort tracking 2022-2025.
| Wealth Vehicle | Entry Capital | Realistic Annual Return | Time to First Cash Flow | Mindset Type |
|---|---|---|---|---|
| Bank Savings Account (UAE) | AED 0 | 0.25% - 1% | Immediate | Saver |
| Index Funds / ETFs | AED 500+ | 7% - 10% | 5-10 years | Passive Investor |
| Dubai Real Estate (Off-Plan) | AED 100,000+ | 8% - 15% (yield + appreciation) | 2-4 years | Asset Investor |
| Skill Investment (AI, GHL, Sales) | AED 500 - 5,000 | 200% - 1000% | 30-90 days | Earner |
| Digital Business (Course, Agency) | AED 1,000 - 10,000 | 50% - 500% | 3-6 months | Builder |
Source: Industry return ranges based on UAE Central Bank deposit rates, MSCI World historical returns, and Sawan Kumar's coaching data across 115,000+ students. Actual results vary by execution and market conditions.
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