Do not borrow money to fund a lifestyle. Only borrow to fund acquisitions, start a business, in genuine emergencies, or to invest in education, because those are the only forms of debt that build you rather than destroy you.
Borrowing to impress people who do not care about you is the quickest route to poverty. Don’t spend what you don’t have, don’t feel pressured to do things you can’t afford!
Drive an ordinary car until you can afford to buy the monster SUV you want, and do not rely on credit to push a big car when you do not even have a title deed to your name. Invest first and enjoy the rewards in your later years.
If you invest in your younger years, you will not need to panic about pensions, healthcare or old age. Nothing is more painful than seeing an elderly person without a home, without savings and without a source of income. Many people are destroyed by financial stress more than anything else.
Eat what you have killed, and never put partying on credit cards that you will struggle to pay off. It is unwise.
A man has potential up to 35, and after that it should be a stable life with certainty. It is hard in Zimbabwe, but elsewhere that is the rule. Studies in Europe, Asia and North America show that peak earning potential for men is usually reached between 35 and 45.
Build wealth first and enjoy the luxuries later, because nothing is heavier than the debt of a lifestyle you cannot afford.
You end up thinking that you were bewitched, yet you are deliberately making terrible financial decisions, choosing small pleasures today at the cost of a stable and dignified older life. Stop blaming spirits for what discipline can fix.