One of the easiest things in the world is to mistake an outcome for a story. A beautiful home. A thriving business. A failed marriage. A child in an expensive school. A forty-year-old with no savings. Someone who seems to have it all. Someone who appears to have fallen behind. We see the destination and instinctively begin filling in the journey. Hardworking. Lazy. Disciplined. Irresponsible. Lucky. Entitled. Deserving. Wasteful. Perhaps the most dangerous thing about human beings is not that we judge one another. It is how quickly we become certain that our judgment is correct. Because every life has invisible expenses. Not just financial ones. The kind that never appear on a bank statement or a résumé. Some are chosen. Some are imposed. Some are wise. Some are costly mistakes. Most are a complicated mixture of both. One person reaches middle age with very little savings because they spent years paying school fees for younger siblings. Another because they repeatedly made poor financi...
The other day, I was at Quickmart doing some regular shopping. On the wall, a large poster caught my attention: “Shop & Win. Grand Prize: A Car.” The rules were simple — spend at least 3,000 shillings, and you automatically entered the draw. Almost at the same time, Cadbury was running its own promotion. Buy two of their products, and you stood a chance to win prizes. Now here’s the truth: I don’t even like chocolate, and I rarely buy drinking chocolate. But I found myself at the counter with two Cadbury items in hand. I also spent more than I had planned in Quickmart just to qualify for the draw. All of a sudden, I was no longer shopping for what I needed — I was gambling with my shopping cart. And this is where the realization struck me: nobody is immune. We like to think gambling is only about betting shops, casinos, or shady lottery schemes. But everyday promotions, loyalty cards, and “win big” campaigns are simply socially acceptable versions of the same thing. Promotio...