UAE expats at AED 30K+/m often expect to retire early (Vanguard says 61% do). But most still hit 55 unsure how they’ll fund their future. After 15,000+ hrs coaching pros at ADNOC, IBM, e&, here's the shift that separates those who hope for freedom from those who achieve it:
1. UAE expats who achieve financial freedom in their 30s/40s and enjoy a spectacular quality of life along the way? They ruthlessly prioritize building cash-flowing assets above chasing "growth" or "preservation" for 10-20 yrs. They don't needlessly play the long game just
2. Two separate schools of thought that most juggle endlessly while suffocating their quality of life... - Growth: Invest as much as you can. Accumulate 25x your annual expenses in stocks, bonds and index funds, while foregoing lifestyle and enjoyment and reduced disposable
3. Both “growth” and “preservation” schools of thought are highly rigid, cookie cutter ideas that worked for your uncle, your father, your grandfather... Who were ready to "save and invest" until they were 65. But it may not be right for you. This type of thinking worked in
4. Not only is nobody retiring early on the old way of thinking anymore... The old way will create an unnecessary sting of resentment around every bill as you see 20 year olds print millions in the current economy, suffocation in your career as you may want to explore
5. In 2024, I celebrated 12 clients under 40 hitting their “freedom numbers”... A result that truly defies the stats. For context, 1/2 of my clients achieve financial freedom in just 3–4 years by making this shift. They did this without budgeting, starting a second
6. Those who dream about financial freedom argue that there's no real difference between accumulating ETFs and focusing on cash-flowing instruments.... Those who achieve financial freedom in 3-4 years know that cash flow allows you to feel more momentum more quickly and
7. Cash flow is the only way to have both: Early retirement + quality of life. There's a better path available to you in 2025, if you're willing to take full responsibility for your freedom. If you believe: - There’s no point in accumulating net worth if it doesn’t
8. I coach you to build wealth in the following steps: 1 Cash flow → breathing room, pays you monthly within 90 days 2 Appreciation → long-term assets (stocks, ETFs, property) 3 Net worth → legacy, investment properties, wealth to pass on Most people in their 30s &
9. When you jump straight into growth / preservation: 1. Increases salary dependence: If your visa, kids’ schooling, and entire life here hang on one employer’s mood, that makes you worry about money. 2. Strain increases. Paycheck growth slows, expenses don’t. Rent
10. I coach my clients to... - Their first cash-flowing investment, live and earning. - The knowledge, skills, and tools to assess simple and complex investments repeatably - A personalized understanding of the risks that fit you and the risks that don’t We cover the
If you want to enjoy your life + achieve financial freedom without frugality in your 30s/40s just like my clients who are now.... - Traveling the world paying for business class flights without second careers or side hustles - Buying investment properties without taking on
More on my offer: https://x.com/bennytalksmoney/...
After finishing my coaching, 100+ of my clients in their 30/40 take the first step to generate cash flow that replaces their salaries, creating lifestyle options, flexibility and free time. Shall we chat to see if it's realistic for you? Book a call in my bio.
@bennytalksmoney I don’t understand our generation obsession with retiring. If you do what you are good and you have fun with it and get good money from it and invest that money well you do not have to work a single day in your life. PLUS I haven’t meet a single millionaire in my life that just
@Rosi_Ross The goal is to create work you don’t need to escape from by retiring. That said, early retirement creates more opportunities for meaningful work when you’re not under the pressure of obligation. That’s from my personal experience and coaching experience. Most of my “retired”
@bennytalksmoney That's a powerful observation. Many professionals get so focused on the accumulation phase that they don't develop a clear strategy for the distribution phase. The shift you're highlighting, moving from simply earning to intentionally building a retirement plan is a critical one.
@zalwora Appreciate it, brother
@bennytalksmoney Is 30k aed a month enough to live in uae
@mdawjeef1 if your lifestyle is reasonable and you’re clear on what really matters to you, then yes, 30k a month is more than enough to live well in the uae. what it might not give you is the ultra-flashy “dubai lifestyle” you see on social media, but you can cover the basics comfortably,
@bennytalksmoney Any plan for those who earn less than AED 10k?
@TahirHamidKhan7 @TahirHamidKhan7 if you’re earning less than 10k right now, i honestly think the best move isn’t stressing about saving every dirham. rather, focus on increasing your earning power. saving aggressively at that stage feels heavy, stressful and creates unnecessary shame around