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Next year I turn 40. I remember finishing high school at 17. What’s interesting and frightening is that if I intend to retire at 55, I have less time available to me between now and then than I’ve already spent in the ‘workplace’.... #nodignityinpoverty @FMwenge
I’ve discovered that to escape poverty, you need to do it twice. First between high school and what you do for a living and a second time if you are moving from a formal job into your own business. #nopovertyindignity RT and 
like if you agree
like if you agree
The false retirement pathway (defined benefit scheme) we were presented with was copied from Europe in the 1950s. It says you work to retirement and then earn a salary for life in retirement. The Zambian reality is that Inflation renders it useless in under a decade
The reality of our economy is that savings and cash in general are worthless. Your currency is cash flow. You need something that brings you cash to slowly overcome your work income. Owning houses, flats, cars etc are nothing without cash flow. #nodignityinpoverty
With basically no, rising stars on the stock market to invest in and a limited number of viable equity sales through pension funds, you are more likely to earn sustainable income through a side hustle than you are through a fund.
I learnt that there was a work me and a personal me. Work me was careful with money, diligent at recording expenses etc and the other just spent because it was mine.
You need to recruit work you and take your income a diminishing resource.
#nodignityinpoverty
You need to recruit work you and take your income a diminishing resource.
#nodignityinpoverty
Many of the people I find struggling in retirement are highly intelligent, accomplished professionals who are operating outside of their white collar setting.
It’s proof for me that without a clear structure plan, that’s my fate.
It’s proof for me that without a clear structure plan, that’s my fate.
Accept the fact that your skills set has a sell by date. Like good looks, regardless of your efforts, there will come a day when they will be gone, finished and there is nothing you can do about it. Your financial salvation lies elsewhere.
#nodignityinpoverty
#nodignityinpoverty
To permanently escape poverty we need to create new savings, investment and pension structures that operate on a Zambian business model and overcome our specific challenges.
