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Joining us today is Abdul Rehman Najam, a value investor and the Founder & CEO of ARN Financial Advisors, where he helps individuals and businesses navigate financial markets. He has a background in Economics from the University of Warwick and deep expertise in wealth management. In this episode, we dive into why most Pakistanis don’t invest smartly, the myths around getting rich, and what real financial literacy looks like. We also explore the mindset of long-term investing, how to ignore noise in the market, and why emotions are the biggest enemy of smart financial decisions. This episode answers: • Why do most people never build wealth despite earning well? • How can young Pakistanis start investing the right way? • What are the most common investing mistakes? • Why is long-term thinking rare in Pakistan? • How can financial advisors actually add value? Watch till the end to understand more about Stock Market. Do not forget to subscribe and press the bell icon to catch on to some amazing conversations coming your way! #thoughtbehindthings #muzamilhasan #crypto #stocks #abdulrehman Socials: TBT’s Official Instagram: / thoughtbehindthings TBT’s Official TikTok: / tbtbymuzamil TBT’s Official Facebook: / thoughtbehindthings Muzamil's Instagram: / muzamilhasan Muzamil's LinkedIn: / muzamilhasan Abdul Rehman’s YouTube: / @abdulrehmannajamofficial Abdul Rehman’s LinkedIn: / abdulrehmannajam ARN Financials Masterclass: https://arnfinancials.com/masterclass/ Podcast Links: Spotify: https://spoti.fi/3z1cE7F Google Podcast: https://bit.ly/2S84VEd Apple Podcast: https://apple.co/3cgIkf Jump to your favourite topics using the chapters below: 0:00 – 3:15 Intro 3:16 – 6:17 Early Life 6:18 – 12:50 Learning Investment Basics 12:51 – 16:20 How Advisory Works 16:21 – 21:32 Dealing with Criticism 21:33 – 30:20 Convincing People 30:21 – 37:40 Research Process 37:41 – 51:20 Pakistanis in Stock Market 51:21 – 1:11:11 Step by Step Guide for Beginners 1:11:12 – 1:12:55 When to Get an Advisor 1:12:56 – 1:15:42 High Return Companies 1:15:43 – 1:21:00 What to Do with Saved Money 1:21:01 – 1:25:00 Don’t Stop Investing 1:25:01 – 1:29:45 Technicals & Market Basics 1:29:46 – 1:36:45 Case Studies 1:36:46 – 1:40:36 How to Divide Your Savings 1:40:37 – 1:45:20 Real Estate Returns 1:45:21 – 1:53:40 Budget Impact 1:53:41 – 2:02:33 Car Imports & Economy 2:02:34 – 2:14:25 What to Expect from Market 2:14:26 – 2:21:10 Market Risks 2:21:11 – 2:29:40 Why People Choose Crypto 2:29:41 – 2:40:08 AI & Market Crash Warning 2:40:09 – 2:48:40 Geopolitics & Stock Market 2:48:41 – 2:53:23 Pakistan's Economic Growth 2:53:24 – Final Words