Not “struggling a bit.”
Not “tight this month.”
I mean actually broke — living paycheck to paycheck.
The Reality of His Situation
No real savings.
No emergency fund.
No life protection for the family.
No productive assets.
No passive income.
Drowning in debt.
Carrying a Ksh 1 million credit card balance.
And if he doesn’t change, he will work until the day he dies.
The Big Question
How does someone earning almost a million shillings end up financially crippled?
Simple.
He mastered how to make money.
But he never learned how to keep it.
Where the Trap Starts
The First Step of Wealth Creation: Making Money
This is what school and society teach you.
Get good grades.
Get a good job.
Buy yourself a home.
Buy a nice car.
Chase higher salaries.
Marry or get married.
Look successful.
This doctor did all of that perfectly.
But he pours money into a bucket with holes at the bottom.
The Numbers Tell the Story
Saving in an account paying 1%.
Driving a Ksh 9M luxury car financed by debt.
Paying a heavy mortgage for a Ksh 25M home.
Paying over Ksh 2M yearly for international school.
Going for an exotic holiday every year.
Living the “successful life” with nothing to show for it.
He thinks he’s winning because he earns a lot.
But he’s not building wealth.
He’s burning it.
The Second Step of Wealth Creation: Keeping Money
This is the part no school, employer, or society teaches.
Yet it is the secret separating the wealthy from the exhausted high earners.
There is one rule every wealthy person understands.
If you don’t save and invest part of your income to build assets that pay you,
you will work until you die.
Your Real Business
Your main business is not your job.
Your main business is building a freedom fund.
Creating income that continues even when you stop working.
And it starts with one simple shift.
Tell your money where to go, or it will disappear without explanation.
From there, you protect what you’re building.
So that no illness, crisis, or unexpected storm wipes out your progress.
Why This Matters
That is exactly why I created a simple 7-step guide that can take you from zero to financial freedom.
Download it.
Read it.
Let it open your eyes.
My work is to rescue you from the grind many high-income earners are trapped in.
Because if you don’t change your approach, your income will enslave you instead of freeing you.
The Decision
This coming year, we are breaking the cycle.
We are building wealth with intention.
We are protecting every cent.
We are creating income that works — even when we rest.
Because we are Cent Warriors.
And warriors command their money.
Not the other way around.
Next
See the doctor’s budget of Ksh 800,000 below.
