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FinanceEducation

The Real Path to Financial Freedom: Education and Hard Work

Ghulam Mohiudeen
By Ghulam Mohiudeen
Last updated: September 7, 2025
10 Min Read
The Real Path to Financial Freedom: Education & Hard Work | MohiRDO
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Forget “shortcut to become rich quickly”: No one will tell you the real and true path to financial freedom. Friends, I am Ghulam Mohiuddin, the founder of MohiRDO. Let’s talk straight.

Contents
  • The Truth Behind Flashy Promises
  • The Real Way to Build Wealth
    • What Is the “Real Path” to Wealth?
    • Overcoming Doubts About Elite Education
  • How to Get Into Top Universities
    • Step 1: Apply for Financial Aid
    • Is It Really Free? Understanding Scholarships
    • The True Cost: Hard Work
  • Start Small: Online Courses as a Gateway
    • My Journey with Online Learning
    • Why Structured Learning Matters
  • Action Plan for Beginners
    • Shift Your Mindset
    • Research Top Universities
    • Build a Strong Profile
    • Embrace Hard Work
    • Education for Everyone
  • Avoiding Shortcuts to Success
    • Building Valuable Skills
  • FAQs: Your Questions Answered
    • Can I Get Admission Even If I Am Not a Genius?
    • Do I Need a Strong Family Background or Connections?
    • I Am 25 Years Old, Is It Too Late Now?
    • What If I Don’t Want to Leave Pakistan?
    • Is It Better Than Affiliate Marketing or Blogging?
  • Take the First Step Today

The Truth Behind Flashy Promises

You see those flashy videos on Instagram or YouTube every day, right? Some guy shows off a luxury car, books airline tickets without thinking, and says he has become a millionaire. It looks easy. But deep down you also feel that there must be more to it.

I have been working online for the past 5 years—blogging, making websites, and exploring affiliate marketing. I am from Pakistan, and I know how the struggle is to build a better life for yourself and your family. I am not going to sell any dreams or give any secret formula here.

The Real Way to Build Wealth

I am sharing the real way which I have seen myself that creates wealth in the long-term. This is neither a crypto scheme, nor a quick hack. This is investing in your most valuable asset: your mind.

What Is the “Real Path” to Wealth?

The most reliable path to financial freedom is world-class education and using that knowledge to create value. That means setting a goal to study in universities like Stanford, Harvard, Oxford. Not just for the name, but for the knowledge, network, and opportunities one gets there.

Overcoming Doubts About Elite Education

Now you must be thinking: “Ghulam, this is not in my control. This is only for geniuses or rich people.” I also used to think the same earlier. But then I understood a secret: these universities have endowments of billions of dollars to fund the talented students of the world—no matter what their financial background is. These people don’t just look for rich kids, they look for bright minds.

Photo by Ruijia Wang on Unsplash

How to Get Into Top Universities

So how do you get admission in these top schools? It’s simple—you have to prove your potential, not your bank balance. You have to highlight your story, talent, and ambitions in the application.

Step 1: Apply for Financial Aid

The first step is to fill a financial aid form, like CSS Profile. In this, you show your real financial situation—parents’ income, household expenses, etc. Then the school prepares a financial aid package for you on that basis. These people want to understand you, not your wallet. And many students get full-ride scholarships that cover tuition, living expenses, food, everything.

Is It Really Free? Understanding Scholarships

Yes, this can be absolutely free through need-based financial aid and merit scholarships. And this is not a small amount. Stanford gave more than $750 million in aid a few years ago. Every year these top universities allocate a huge amount of money so that money never becomes a barrier for talented students.

The True Cost: Hard Work

The “cost” here is not money, the cost is your hard work. Meaning you have to invest your time and brain in making an outstanding application. If there is dedication and grades are good, then you will get the funding.

Start Small: Online Courses as a Gateway

My personal tip: Start with online courses. Before entering into full applications, test your interest with online courses of these universities. I have learnt this from my journey. First of all, learn it yourself, this is better for you.

Everything is available free on the internet and if you need something specific, then you tell me, I will help you without any money.

My Journey with Online Learning

7-8 years ago I was curious about economics and digital currency. Going to Stanford was not an option, but learning from them was an option. I did small online courses on Coursera and edX taught by professors from the same universities. This was my turning point. It opened my mind and showed me things that I used to ignore earlier. This is why I started taking books and concepts seriously.

Why Structured Learning Matters

And it is not just about watching YouTube tutorials. It is structured learning from the best sources. This is the foundation that prepares you for bigger opportunities.

Action Plan for Beginners

Shift Your Mindset

First of all, shift your mindset: Stop saying “I can’t do it”. The biggest barrier is your own belief. If you don’t apply your thinking, you will fail. As I always say, “Allah has given brain to every human being.” Use it.

Research Top Universities

Second step: Do research. Directly go to the official websites of universities like Harvard, Stanford, MIT, Oxford. Go to Financial Aid or International Students section and read all the details. This is your real reward.

Build a Strong Profile

Third step: Create your profile. Grades matter, but your story and ambitions also matter. Make your profile such that it shows that you are a curious and driven person. Do projects, write, learn some skill.

Embrace Hard Work

And most important: accept hard work. Filling forms is boring, writing essays is tough. This is intentionally kept tough so that only serious people can go through it. Be serious for the future.

Education for Everyone

And remember: this is not just for boys or girls. This advice is for every young guy or girl in Pakistan or anywhere in the world who wants more and is ready to work hard.

Avoiding Shortcuts to Success

Lastly, the internet is full of groups—crypto groups, Amazon FBA groups, Discord channels that promise easy money. But the reality is that most of these people have not built anything real themselves. You cannot add real value to the world by following shortcuts. Value comes only when you become genuinely knowledgeable.

Building Valuable Skills

Do you want to earn 2-3 lakhs a month? It is possible. But this will not happen by blindly following someone’s random trades. This will happen when you develop a valuable skill for which the world is ready to pay money. And the foundation of that skill is often strong education.

FAQs: Your Questions Answered

Can I Get Admission Even If I Am Not a Genius?

Absolutely. These universities don’t just look at perfect scores. They also value passion, potential, and perseverance. Your story and your drive are as important as marks.

Do I Need a Strong Family Background or Connections?

Absolutely not. That is the beauty of this process. It is based on merit, your parents’ job or status is not a factor.

I Am 25 Years Old, Is It Too Late Now?

Absolutely not. Yes, most applicants are 16-20 years old, but these schools also like diverse life experiences. There are examples of many people who were accepted even in older age.

What If I Don’t Want to Leave Pakistan?

Absolutely right. The principle is the same: invest in your education. You can start with online courses which are from global universities, and you can create opportunities by using those skills here in Pakistan.

Is It Better Than Affiliate Marketing or Blogging?

It is not a question of “better” or “worse”. It is different. World-class education gives you the foundation of knowledge and thinking which can make you more successful in affiliate marketing, blogging, or any business. Both can happen together.

Take the First Step Today

The path is not as difficult as it seems. Yes, you need hard work, courage, and self-belief, which may seem a little uncomfortable in the beginning. But this is a real path, which millions of people have passed through before.

Don’t be one of those people who say “it is very difficult” and don’t even try. Just take a simple step: open a new tab and search “[University Name] financial aid for international students.” Just read one page. This is your beginning.

I really believe in your potential. If I, a Pakistani boy, can learn this and build my life around knowledge, then you too can.

And yes, I would love to hear about your journey. If this article helps you or you have questions, share in the comments. Let’s create a community of learners, not dreamers.

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