Kenya, let's pause and reflect for a moment.
Every month, 1.5% is quietly taken from your salary not for your pension, not for your healthcare, but for the affordable housing programme. Your employer adds another 1.5% on top. That's 3% of your household income, every single month, gone before you even see it.
And now the government says it needs Sh400 billion every year just to keep that same programme running.
Here's what makes it worth reflecting on the last housing programme (2017–2022) promised 500,000 homes. After 5 years and billions spent, 13,529 were delivered. Less than 3% of the target.
We didn't stop. We didn't ask questions. We just rebranded and restarted.
Brazil once believed in a programme just like this. They poured everything into it. A decade later, the houses were far from jobs, built poorly, captured by the wrong people and the economy was in recession.
The housing crisis in Kenya is real. No one is disputing that. But 3% of every Kenyan worker's salary, feeding into a fund the High Court itself once called unconstitutional, through a system with no clear accountability, deserves more than our silence.
It deserves our questions.
Who is actually getting these houses? Who is accountable when the targets aren't met again? What happens to the billions already collected?
You are not just a taxpayer in this story. You are the funder, the target beneficiary, and the one left holding the debt. All at once.
Reflection isn't opposition. It's responsibility.
We owe it to ourselves and to the Kenyans genuinely waiting for a home to demand this is done right, not just done loudly.
Dismas wa Tabu. Dreaming in installments. Billed in full.