Why is money the most important ? By Sawan Kumar | Best Career Coach in India
Quick Answer
Career coach Sawan Kumar explains why money is the most important practical tool in modern life — not for status, but because it converts directly into optionality and freedom. Drawing from 79,000+ students trained and 2023 PNAS research showing happiness keeps rising past $100K/year, this guide gives you a 6-step framework to think about money clearly.
Key Takeaways
- 1Calculate your effective hourly rate this week (annual income ÷ 2,000) — most people are shocked at how low it is
- 2Define your 'enough' number in specific AED or INR — without a target, you'll either underearn or overwork
- 3Build a second income stream BEFORE quitting your primary — 36% of professionals now do this (LinkedIn 2024)
- 4Reprice your skill 20-30% above your comfort zone — undercharging is the #1 reason capable people stay broke
- 5Use money to buy back time (cleaner, driver, VA), not to buy status — only the first compounds into freedom
⚡ Quick Answer
Money is the most important practical tool in modern life because it converts your time, skill, and effort into freedom, optionality, and the ability to help others — but it's a means, not an end. According to research published in PNAS by Killingsworth, Kahneman & Mellers (2023), happiness continues rising with income well past $100,000/year for most people, contradicting the old 'money stops mattering' myth. In my experience training 79,000+ students, the operators who treat money as a scoreboard for value delivered — not as the goal itself — build the most durable wealth.
Why is money the most important ? By Sawan Kumar | Best Career Coach in India . .
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Why is money the most important ? By Sawan Kumar | Best Career Coach in India
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Topics Covered
This video covers: Money, How to be rich, Importance of money, Why is money the most important, YT:CC=ON, sawan kumar money problem how to earn money, lack of money, problem.
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From Sawan's desk: I trained as a Chartered Accountant in Kolkata, then moved to Dubai and built a career coaching practice that's now served 79,000+ students across 150+ countries. Here's the unglamorous truth I tell every coaching client: money matters because it buys back your time. The 22-year-old me thought money was for status. The 40-year-old me knows it's the only asset that converts directly into optionality — the ability to say no to bad clients, bad bosses, and bad opportunities. If you're chasing money for the Lamborghini, you'll burn out. If you're chasing it for the freedom to choose your next 10 years, you'll build something real.
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UAE-based coach
Why Money Actually Matters (The 6 Functions Most Coaches Skip)
The reason 'why is money important' confuses people is that most career coaches give you platitudes — 'money is freedom' — without breaking down the actual functions. Here's the framework I use with paying coaching clients in Dubai and India:
The 6-Step Money Reality Plan
- Step 1 — Audit your time-to-money conversion rate. Calculate your effective hourly rate (annual income ÷ 2,000 hours). If you're earning AED 120,000/year in Dubai, you're at AED 60/hour. Every hour you save someone is worth AED 60 to them.
- Step 2 — Identify your 'enough' number. According to a 2023 PNAS study by Killingsworth, Kahneman & Mellers, happiness keeps rising with income past $100,000/year for most people but plateaus for an unhappy minority. Define what 'enough' looks like for YOUR life — mortgage paid, kids educated, parents covered — in a specific AED or INR number.
- Step 3 — Build two income streams before you quit. The LinkedIn 2024 workforce data shows 36% of professionals now have a side income. Don't romanticise the 'one stream' life.
- Step 4 — Price your skill at the market rate, not your comfort rate. Most people underprice by 30-50% because asking for more feels rude. It's not rude. It's accurate.
- Step 5 — Automate savings before you see the money. 20% of every payment goes out before lifestyle inflation eats it.
- Step 6 — Use money to buy back time, not stuff. A AED 200/month cleaner saves you 16 hours. That's the trade that compounds.
Student Results
One coaching client, Ahmed — a real estate agent in Dubai earning AED 18,000/month — used this framework to renegotiate his commission split from 50/50 to 70/30 and added a GoHighLevel-based lead-gen side stream. Within 9 months he was at AED 47,000/month and bought back his Fridays. His quote: 'Sawan, the framework didn't teach me to want money more — it taught me to stop apologising for wanting it.' That's the shift.
| Income-Building Path | Time to First AED 10K/mo | Startup Cost | Ceiling | Best For |
|---|---|---|---|---|
| Career promotion (corporate) | 3-5 years | AED 0 | AED 80K/mo | Risk-averse, family-first |
| Freelance skill (Upwork/Fiverr) | 6-12 months | AED 500 | AED 40K/mo | Designers, writers, devs |
| Real estate agent (Dubai) | 9-18 months | AED 15,000 (RERA) | AED 500K+/mo | People-people, hustlers |
| Online course creator | 12-24 months | AED 2,000 | AED 200K+/mo | Subject experts, teachers |
| Agency (GoHighLevel) | 3-6 months | AED 1,100 (GHL $297) | AED 150K+/mo | Operators, B2B closers |
Source: Bayut UAE real estate income data 2024, Upwork Freelance Forward 2023, GoHighLevel official pricing.
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