Wealth-building truth no one tells: CA lists 3 areas to focus on to make money work for you

While most young professionals aim for promotions and job titles, a small percentage focus on something far more powerful—building wealth that lasts. Chartered Accountant Nitin Kaushik, in a post on X (formerly Twitter), shed light on what he called the “truth no one tells you early enough” about financial freedom. According to him, the path to financial independence doesn’t lie in accumulating credentials or climbing the corporate ladder, but in owning assets that generate income even when one is not actively working.

Kaushik wrote that “financial freedom doesn’t come from promotions or fancy degrees. It comes from owning things that pay you even when you’re asleep.” He explained that while traditional success often revolves around professional recognition, long-term wealth depends on strategic investments and income-generating assets.

The Three Pillars of Smart Wealth Building
In his post, Kaushik urged individuals to shift their focus toward three specific areas: real estate, businesses, and cash flow.

He emphasized real estate, calling it a stable wealth-building tool because “rent never takes a holiday.” This highlights how property can consistently generate passive income, irrespective of employment or market fluctuations.

Next, he pointed to entrepreneurship, noting that “profits scale faster than salaries.” Unlike fixed paychecks, owning a business offers the possibility of exponential financial growth through reinvestment and scaling.

Lastly, Kaushik stressed the importance of maintaining liquidity through steady cash flow, stating that “liquidity gives you choices.” Having access to ready funds allows individuals to seize opportunities, manage emergencies, and maintain flexibility—key components of true financial independence.

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

What to Focus Less On
Kaushik also urged people to reassess what they often overvalue. He listed job titles, resumes, and degrees as things that might look impressive but don’t necessarily create wealth. “Titles expire when you resign. Resumes can’t buy time. Degrees don’t compound,” he wrote, pointing out that these traditional achievements often lose relevance outside the workplace.

Summing up his thoughts, Kaushik concluded with a sharp distinction between wealth and social status: “Assets buy freedom. Status buys validation.” He noted that the earlier one understands this difference, the sooner they can stop “working for money” and start making “money work for you.”