Wealth, Frugality, and the Kenyan Hustle: Rethinking Financial Success

In Kenya, we love the idea of wealth. We want it, chase it, and admire those who have it. But do we ever stop to ask: What is true wealth? Is it a German machine with a KDJ plate? A big house in Kitengela that you’re barely ever in? Or is it something deeper—freedom from financial stress, control over your time, and peace of mind?

We live in a culture that pressures us to show success even when we are drowning in debt. Loans for lifestyle upgrades, unnecessary spending to keep up appearances, and the constant need for more leave many feeling stuck in an endless hustle. Maybe it’s time to rethink wealth—not as having more, but as needing less.

The Wisdom of the Ages

Great thinkers throughout history have questioned the value of excess wealth. Their words remain as relevant today as they were centuries ago:

"Wealth consists not in having great possessions, but in having few wants." — Epictetus
"Money often costs too much." — Ralph Waldo Emerson
"Frugality includes all the other virtues." — Cicero
"It is not the man who has too little, but the man who craves more, that is poor." — Seneca
"Wealth is the ability to fully experience life." — Henry David Thoreau
"Every time you borrow money, you're robbing your future self." — Nathan W. Morris
"Wealth is not his that has it, but his that enjoys it." — Benjamin Franklin
"Wealth after all is a relative thing since he that has little and wants less is richer than he that has much and wants more." — Charles Caleb Colton
"Not everything that can be counted counts, and not everything that counts can be counted." — Albert Einstein
"Wealth is like sea-water; the more we drink, the thirstier we become; and the same is true of fame." — Arthur Schopenhauer

What Does This Mean for Kenyans?

Frugality is Freedom – Living within your means is not suffering; it’s power. The more you need, the more you are a slave to money. The fewer financial burdens you have, the more choices you get to make. Avoid debt traps disguised as financial freedom.
Stop Impressing, Start Living – Nobody actually cares about your latest phone, designer shoes, or the expensive nyama choma bill you footed at a joint in Kilimani. If you’re going broke trying to look rich, you’re doing it wrong. Real wealth is knowing your money works for you—not spending it to impress strangers.
Hustle Smart, Not Harder – Money is not about how much you make; it’s about how much you keep. A higher salary means nothing if your expenses grow with it. Focus on building wealth that allows you to step back from the endless grind.
Invest in What Matters – Your peace of mind, your health, and your ability to say no to toxic work environments or financial stressors are priceless. Don’t trade them for fleeting luxuries.

The Hard Truth

Many Kenyans struggle financially, not because they don’t make enough money, but because they spend it recklessly. You cannot out-earn bad financial habits. Until we stop equating wealth with how much we spend and start seeing it as how much we don’t need, we will remain stuck in a cycle of financial stress.

Wealth is not about how much you have—it’s about how much control you have over your own life. And in that case, the truly rich are those who master their needs, not those who chase excess.

So, as you move forward this week, ask yourself: Am I spending to build my life, or to prove something to people who don’t care?

Know Thyself: The Quiet Power of Naming Your Nature

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The Loud Silence: Why Kenya Is Drowning in Noise—and What It's Costing Us

“Beware the bareness of a busy life,” Socrates once said. But what about the loudness of a distracted one? From matatus blaring vulgar music, to church keshas echoing through residential estates, to restaurants where conversation is a fight against speakers—it seems Kenya has made noise the background of everyday life. But what is this obsession with sound? What is all this noise trying to drown out? Noise as Culture, But Also as Coping Let’s be clear: noise has always had a place in Kenyan culture. Luo benga, Kikuyu folk tunes, Luhya drumming, Swahili taarab… music and sound are part of celebration, spirituality, and storytelling. But what we’re experiencing now is different. What we’re hearing now is not cultural expression—it’s emotional avoidance. The Psychology of Noise: What Are We Running From? 1. Noise and Loneliness We live in a time of increasing isolation. Nairobi apartments are filled with single occupants. Friendships are transactional. Family members drift emo...

The Great Kenyan Home Ownership Madness: Dreams vs. Reality

Owning a home is a big dream for many Kenyans, but somewhere along the way, practicality has been thrown out the window. Too many people, driven by childhood aspirations or societal expectations, are constructing massive houses only to end up living like misers within them. Let’s break down why this trend makes little sense and what smarter, more sustainable homeownership looks like. The Harsh Reality of Owning a Big House in Kenya Many Kenyans, especially those who grew up in humble backgrounds, grew up being told to “dream big.” Unfortunately, this has translated into building unnecessarily large houses, often with rooms that remain unused, multiple verandahs gathering dust, and massive balconies that no one actually sits on. These houses cost millions to build, yet within a few years, the owners are struggling to maintain them, regretting their choices as they pour more money into renovations. If you need proof, just look at how many old houses in Nairobi remain unsold. No one wants...

KenyaOnAShoeString: Real Advice for Real Kenyans

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