wait till you get to mid-life crisis you will see pressure.

Just save as much as you can while you are still young-compound interest will be your true shelter

Then focus on getting a house everything else is secondary

At your age, I was deeply buried in debt due to the loans I had taken out of which close to 50% was spent on alcohol and women while the other 50% spent on failed business ventures.However, these experiences taught me valuable lessons about money which are not taught in any school.

Don't be under pressure, prioritize yourself,make mistakes and do what/whoever makes you happy.

Boy Child suffering....Boy Child needs hope!!

Are you comparing your self with your colleagues?

If yes its a damn bumpy road ahead..the moment your begin comparing yourself you accumulate loans..you accumulate trouble...stress and the rest is history.

Well we live in a society, sometimes its difficult to avoid somethings but try avoid comparing yourself too much. There will always be someone juu yako and someone chini yako. Remember some of your colleagues are dead, you lucky you are alive appreciate..

Thank you for your wisdom

Thanks for your opinion, though ni kama unasuggest nijifinye sana.......but i appreciate your insights

hahaha......uko third floor kwani

The wisdom here is immeasurable.

I also add this;
- Have a vision and motivate yourself. Define where you want to be at various time measures. Define this so clearly e.g I want to have 500,000/= in passive income by age this. Surround yourself with people and content that reminds you of your vision. I highly recommend alux.com on youtube and elsewhere.

- Formulate a credible plan on how to work towards that vision. SWOT analysis and SMART goals.

- Get the right education. That postgraduate degree is nice and will get some doors unlocked but financial and economic education is the main focus here. I have made thousands and have watched millions being made here on the back of simple common sense and discipline. The academic education provides capital, but self-education in business, finance and economics will multiply that capital many times over. Look for posts by Karasinga, the guy on Elliot wave analysis, StockMaster, Cde Monomopata, the posts on real estate, the posts on business failure etc

- Have mentors. They don't even have to know they are your mentors, but get interested in them. How did they make their wealth? What projects are they doing now? How have they failed? and If you have the courage, get rid of the ego and get into contact with them.

- Find a good woman who can adopt your vision or whose vision you can adopt. Pole pole. Do not be scared to be lonely. This is the greatest investment you will ever make as a heterosexual male who intends to get married. Make sure communication between the both of you is near flawless on issues such as child birth, standards of living, goals and vision.

- Understand that health, time and compound interest are your best friends. Love them first before loving anyone and anything else.

Do this, and 10 years from now, your will thank yourself for not giving a shit about what your other 28 year olds are doing.

Good stuff here bro, you have spoken like 10 elders of Nchuri Ncheke, thank you for your wise words.... i will do that.

Allow me to add the following:
Draw up a budget and do your best to abide by it
Spoil yourself from time to time.
Don't borrow to buy a depreciating asset like a car. If you must borrow, at least have most of the money for it already saved up.
Set financial goals- don't just save without a long term plan
Have multiple income streams. You'll need more money over the years to fund the same lifestyle due to inflation