The ultimate goal of one of the three foundations of wealth is: freedom. But how do you reach it? What form does it take?

Financial freedom doesn't depend on your salary, your account balance or the size of your house. It depends on a number of different parameters:

Firstly, this financial freedom is created from the ratio: income/labour. Are they proportional to your working hours?

If the ratio of your income to your working time is 1:1, then you have only two options: Increase the size of your 24-hour working day - you've heard me right, it's impossible - or pay a very high hourly rate. In the world of work, the latter is very limited. The range can vary from €10 to €50 an hour, but it's hard to go much higher.

What you need to understand when you're a salaried employee is that you can't count on the hourly rate or the 24-hour day to become financially free. The essential parameter is the ratio between your income and your working time, which you need to transform into 2/1 (income)/(working time), for example. If you succeed in changing this ratio, you'll free yourself from all the barriers that surround you. What's more, this ratio has no limit: it can become 10/1, 20/1, etc. For example, if you write a book in several hours of work, you'll be paid for several years.

Secondly, managing your expenses. Are you living at 10 % of your financial capacity or 50 %? This second point doesn't depend on how much you spend each month or each year, but only on the percentage of spending in relation to your income. We've all read in the papers about a footballer or rapper who made millions, only to find himself broke 3 years later. But how is this possible?

Because if someone earns 1 million euros a month but spends 1.2, then time is against them, no matter how big their income.

Ask yourself what percentage of your income turns into expenses. This is the percentage you need to work on. Adapt your standard of living to what you can afford. A billionaire who buys a yacht can afford it, an indebted employee who buys a luxury car cannot.

Third, asset management you already have. No matter how big or small, you have to manage it properly. Imagine a sand castle prey to the waves of the sea. Wave after wave destroys the castle. Now imagine that this sandcastle is your estate: are you going to add sand (money) indefinitely to keep your estate alive? Or will you protect your castle with barriers against the waves?

A child's first instinct is to protect his castle from the waves, not to rebuild it indefinitely until its inevitable destruction.

Manage and protect your assets against inflation, economic cycles and extravagant management fees. Be defensive or offensive, but don't leave the keys to your assets to other people. Be financially literate, learn, because it's even more important than the salary you earn from your job.

"Use these three parameters correctly to move towards financial freedom: the income/work ratio; the percentage of your expenses; the management of your wealth."