Perspective on Money in Bangladesh: We grow up in a society where money is often portrayed as something evil. From childhood, we hear in schools, families, and even religious discussions that money is the root of greed, sin, and pride. But the reality is, without money, almost every decision in life becomes fragile.
A father can’t send his son for higher education due to lack of money. A girl can’t fulfill her dreams because she can’t pay course fees. A patient dies without proper treatment, simply because they can’t afford it. So, ask yourself—is money the problem, or is the lack of money the real problem?
❖ Myth #1: Money is Evil
In Bangladesh, money is often vilified. People say—”Money is the root of all problems.” But that’s a half-truth. The root of the problem is the lack of money.
Money isn’t evil—our ignorance about money is.
Money gives power, creates opportunities, and brings freedom.
Used wisely, money can transform lives.
🧠 “Money is like a knife. You can use it to cut fruits or to harm someone. The fault isn’t in the knife, it’s in how you use it.”
❖ Myth #2: Rich People Are Evil, Poor People Are Honest
This idea is planted in our minds so that we never aspire to be rich—as if to be honest, one must stay poor. But reality tells a different story.
Rich people pay taxes, create jobs, and contribute to society. Many build schools, run foundations, and help the underprivileged.
On the other hand, there are dishonest poor people too—who are violent, selfish, or even criminal.
🧠 “Money amplifies your character—you become a bigger version of who you already are.”
❖ Myth #3: Jobs Are Safe, Business Is Risky
We are taught that jobs are secure. But in today’s world, jobs are among the most unstable things. One company goes bankrupt and thousands are laid off.
Jobs create dependency—not freedom.
Though businesses involve risk, they offer unlimited earning potential and time freedom.
Now, freelancing, online business, and digital products are safer and more profitable.
🧠 “A job is a modern form of slavery where you sell your time to build someone else’s dream.”
❖ How Do the Rich Think About Money?
- They’re not afraid to talk about money – They know money isn’t a taboo; it’s something to learn.
- They track every penny – What’s necessary and what’s not—they plan everything.
- They’re lifelong learners – They keep learning about investments, budgeting tools, tax-saving techniques.
- They make money work for them – Money circulates, not sits idle. Rich people invest in:
- Business
- Investments
- Skill development
- They buy time –
- Hiring virtual assistants
- Using automation tools
- Creating systems so that money flows even while they sleep
❖ Secret Money Rules:
- Always Spend Less Than You Earn
Earn 20,000? Spend 15,000. Save or invest the rest. - Budget Every Month
Know your expenses in advance—less waste, more savings. - Pay Yourself First
Before spending, set aside your savings. Or else, nothing will be left. - Build Multiple Streams of Income
Don’t rely on just one job. Add YouTube, online courses, freelancing, affiliate marketing. - Buy Assets, Not Liabilities
Cars, fashion, events—they drain your money. Invest in things that bring income:- Online stores
- Real estate
- Stocks
- Digital products
- Use the Compound Effect
Small actions daily = Huge results over time:- 1 hour study daily = 365 hours in a year
- Save 100 taka/day = 36,500 taka/year
- Build Your Skills and Brand
Skills are modern wealth. If you know design, video editing, coding, writing—build your brand:- Launch a website
- Share on social media
- Offer professional services
- Learn the Language of Money
Don’t just count cash. Learn:- ROI (Return on Investment)
- Assets vs. Liabilities
- Risk Management
- Tax Optimization
- Plan Your Financial Future in Advance
Write your goals:- How much do you want to earn in 1 year?
- Where do you want to be in 5 years?
- What steps will you take to get there?
❖ Real-Life Emotions & Experiences
Have you ever wanted something deeply but couldn’t get it because of money? How did that feel?
Some of us couldn’t pay school fees. Others missed out on job opportunities because we couldn’t afford a suit. These painful experiences teach us the importance of money.
But instead of learning from pain, we blame money. The real solution is to take control of money. You can—if you start learning today.
❖ Conclusion:
Don’t fight money—understand it. Learn how the rich think. Every money rule has a logic. Understand it, and your life will change.
Don’t just dream big—plan smart, follow the rules, and make money your servant.
“If you don’t learn the rules of money today, money will control you tomorrow.”