🚶♂️ Before the Book: Living Paycheck to Paycheck
Vishal had a decent-paying job, but at the end of every month, he was broke.
His lifestyle was all about spending—new gadgets, expensive outings, weekend parties, subscriptions he didn’t use, and costly EMI purchases.
He had:
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₹60,000 salary
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₹20,000+ monthly expenses on lifestyle
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₹10,000 EMI for an education loan
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₹0 savings
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No investments, no side hustle
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And absolutely no plan
When COVID hit, Vishal was laid off. The panic was real. His bank balance was nearly zero. That’s when he stumbled upon Grant Sabatier’s Financial Freedom and everything changed.
📘 The Turning Point: Discovering the 7 Phases of Financial Freedom
1️⃣ Clarity — Know Your Freedom Number
Vishal calculated how much he’d need to be financially free:
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Monthly expenses (adjusted): ₹50,000
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Yearly = ₹6,00,000
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Freedom Number = ₹6,00,000 ÷ 0.04 = ₹1.5 Crore
He added inflation and future growth, landing at a goal of ₹3 Crore by age 45.
2️⃣ Self-Sufficiency — Cover Your Basics
He stopped asking for financial help from family. He:
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Cut subscriptions
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Cooked at home
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Moved to a cheaper apartment
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Cleared ₹50,000 of personal debt in 8 months
3️⃣ Breathing Room — Add Side Income
While working full-time, Vishal began building his skills in web development and cloud automation—areas where demand was growing.
He started freelancing on weekends and offering his services on platforms like Fiverr and Upwork.
📊 Within 6 months, his side IT business started generating ₹15,000–₹25,000/month consistently.
This gave him a cushion and helped him avoid lifestyle stress.
Bonus: These freelance gigs helped Vishal upgrade his skills, improve his confidence, and even helped him land a better job later.
4️⃣ Stability — Emergency Fund Built
With discipline, Vishal saved 6 months of expenses in a liquid mutual fund.
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₹50,000 × 6 = ₹3 Lakh saved
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No stress over emergencies
5️⃣ Flexibility — Serious Investing & Side Hustle Growth
He continued his SIPs with ₹20,000/month and also grew his IT side business into a small tech solutions firm.
He got his first corporate client through LinkedIn and created a simple project management dashboard for them.
📈 After 5 years @12% CAGR = ~₹17 Lakhs invested
💼 Business Income: ₹50,000/month (by year 3)
6️⃣ Financial Independence — Work Becomes Optional
At age 35, Vishal had:
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A part-time digital agency
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₹1.2 Cr net worth
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Monthly passive income = ₹40,000+
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Consulting income from 2–3 corporate clients in tech
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The freedom to say “no” to projects that didn’t excite him
He reduced his job hours and started spending time on mentoring juniors and building digital tools.
7️⃣ Abundance — Beyond Money
By 40, Vishal’s net worth crossed ₹3.2 Cr.
He now:
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Teaches financial literacy
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Supports his parents
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Donates monthly to causes he believes in
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Travels often
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Lives debt-free, stress-free
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Runs a team of 3 full-time freelancers under his IT brand
💡 Key Lessons from Grant Sabatier’s Financial Freedom
✅ Know your freedom number
✅ Start investing early and consistently
✅ Build your skills and start a side business
✅ Use time wisely—track income per hour
✅ Cut lifestyle inflation
✅ Automate savings
✅ Work on your passion, not just your profession
📣 Call to Action
Are you living paycheck to paycheck like Vishal once did?
You can change your life too. Read → Apply → Grow.
Start your journey to financial freedom today!
