This is not a joke.
It’s a true story.
If you think only low-income earners struggle financially, you have no idea how deep the problem runs.
Let me bring you back to reality.
Many six-figure earners are suffering from one silent killer:
An expenditure problem.
You earn enough to build wealth and freedom —but you destroy that opportunity by:
Buying things you don’t need.
Chasing status.
Impressing people who don’t even like you.
Copying what you think wealthy people do.
1. Lack of Financial Wisdom
You’re excellent at making money — but terrible at keeping it.
It’s not how much you earn.
It’s how much you keep and control.
Here’s what’s draining you:
No budget — you live on impulse. Money controls you.
No plan — everyone else has a plan for your money… except you.
Debt dependence — month-end hits, and credit cards “save” you.
That’s not a solution.
That’s a trap.
2. Lavish Holidays
You book luxury trips to Dubai, Maldives, and Italy.
Yet you don’t have an emergency fund.
You’re spending like royalty with zero financial armor.
You don’t need a one-month luxury holiday.
Use that money to build a holiday investment portfolio —one that pays for holidays forever.
3. Overpriced International Schools
You pay over Ksh 300,000 per month in school fees —over 40% of your income.
Yet you don’t own a single passive income asset.
You’re robbing your future to protect an image.
Be honest.
You’re not doing it for your children.
You’re doing it for your reputation.
Give quality education — but within your means.
4. Flashy Cars
The moment your salary hit Ksh 500,000, you upgraded to a luxury SUV.
Insurance: Ksh 500,000+ a year.
Fuel: Ksh 25,000 per tank.
Lifestyle to match the car? Even more spending.
You’re bleeding cash just to “look the part.”
Stop it.
5. The Credit Card Trap
Living beyond your means creates a deficit — and banks love it.
They call it a “special offer.”
It’s a trap.
You spend on non-essentials, miss payments, and they quietly harvest interest from your salary.
This is not free money.
It’s debt disguised as convenience.
The Truth
The first step to winning with money is intentionality.
It’s not how much you earn.
It’s how much you keep — and how hard it works for you.
Start by taking control.
If you want a simple budget to start planning your money, WhatsApp me “BUDGET TEMPLATE” and I’ll share a simple budget template to get you started.
Now let’s help a friend out.
What would you change in this budget to completely transform this person’s life?
Drop one practical move.
Alex Mwangi | WhatsApp 0703472299
