Pay Yourself First
This is the golden rule — the foundation of every journey to financial freedom.
But let’s be clear: paying yourself first doesn’t mean splurging on comforts to reward your hard work. It means something deeper.
It’s a commitment to your freedom — a decision to secure your future before you spend on your present. Every shilling you earn should serve your future self before anyone or anything else.
When you pay yourself first, you’re saying:
- “I choose my freedom over fleeting pleasure.”
- “I choose purpose over pressure.”
- “I choose ownership over obligation.”
This single decision changes everything.
Because here’s the truth: no one ever got rich by spending first and saving what’s left. You build wealth by saving first and spending what’s left.
The Power of Consistency
Let’s put this into perspective: if you invest just Ksh 10,000 every month in a fund yielding 10% annually, you’ll grow that into over Ksh 38 million in 35 years — without any miracles, luck, or connections.
That’s the power of paying yourself first. Small, consistent deposits today become financial freedom tomorrow.
So before you pay your landlord, your loan, or your lifestyle — pay yourself.
Build Your Income Architect System
- Allocate at least 20% of your income to savings and investments.
- Automate your contributions — remove emotion from the process.
- Invest in assets that preserve and grow your wealth — Money Market Funds, Fixed Income Funds, Special Funds, and other safe compounding vehicles.
Remember: you are your most important bill. You owe yourself freedom, peace, and options.
One day, your future self will thank you — for the sacrifices, the discipline, and the structure that bought your independence.
The Formula Is Simple
Discipline + Time + Consistency = Freedom.
Don’t wait for a pay rise to start. Start with what you have. Even Ksh 1,000 consistently invested beats Ksh 100,000 occasionally saved.
Every shilling you pay yourself is a vote for your future — a declaration that you refuse to live paycheck to paycheck forever.
So today, make this your mantra:
- I will pay myself first, before I pay anyone else.
- I will buy back my time, one shilling at a time.
- I will secure my freedom, not just chase income.
Because freedom isn’t found in how much you earn — it’s found in how faithfully you pay yourself first.
Alex Mwangi | WhatsApp 0703472299
See how a consistent Ksh 10,000 or 38,000 monthly contribution compounds over time across different age groups below.
