There is this wonderful concept in a great book called, The Richest Man in The Babylon. That concept is… pay yourself first.
The author of this book, George Samuel Clason explains how people are used to the poor attitude of paying themselves last.
Even before most people receive their monthly salary or any other form of income, they will sit down and list what and what they want to buy, from food to clothes, vacation and phones.
By buying all these, you are simply paying the owners of the companies that produce those things. No wonder the rich are getting richer.
If you don’t pay yourself first… you're working only to make others rich.
You work all month — and then:
*You pay your landlord
*You pay the supermarket
*You pay Safaricom
*You pay restaurants
*You pay clothing stores
So, what usually happen is that you pay yourself last or you dont even pay yourself at all (because you have spent everything you earn on things you want (not need)
Everyone gets paid. Except you.
💡 So, What Does “Pay Yourself First” Actually Mean?
It means before you spend a single shilling, you save or invest a percentage of your income — no excuses.
Even 5% or 10% consistently will change your life over time.
But what if you could pay yourself first?
Yes, you can.
Let me give you an idea.
What if you can instruct your boss that he should remove 10%, 7% or 5% of your income (even before he pays you) and send it to a special bank account which belongs to you, but which you dont have easy access to?
📊 The “Hidden Account” Hack 💰
If you struggle with self-discipline, try this move:
✅ Talk to your employer (if employed):
“Please send 10% of my salary to this separate account every month before sending me the rest.”
✅ If you're self-employed:
Set up a standing order or auto-transfer to a savings/investment account the moment cash hits your M-Pesa or bank account.
📌 Make it automatic. Make it untouchable.
🧠 Why This Works So Powerfully
You never see the money — so you don’t miss it
You train your brain to live on less
You start to build real ownership of your money
Over time, that account grows into capital for:
*Business
*Land
*Emergency fund
*Financial freedom
✂️ Think of It Like This:
💸 If you can survive on 100% of your salary now…
🎯 You can definitely survive on 90%.
But that 10%?
That’s your freedom fund.
“It’s not about how much you make. It’s about how much you keep — consistently.”
Most millionaires didn’t become rich from windfalls.
They became rich from discipline, not miracles.
💰 “It’s not about how much you make. It’s about how much you keep — consistently.”
That one sentence separates people who look rich from those who are actually building wealth.
💼 Think about this:
You could be making Ksh.150,000/month and still be broke at the end of the month.
Someone else could be making Ksh.35,000/month and still save or invest Ksh.5,000 every month.
Who’s in a better financial position over time?
Not the one with the flashy salary… But the one who knows how to keep money, grow money, and protect money.
📊 Here’s the Real Formula to Wealth:
Income - Discipline = Nothing
Income + Discipline = Wealth
Making money is one side of the coin. Keeping and multiplying it is the other.
📉 High Income + No Savings = High Stress
More bills
More pressure
More fake lifestyle to maintain
📈 Modest Income + Strong Saving Habit = Peace + Growth
You control your money
You have emergency funds
You build options: investment, freedom, future
✅ Real Talk:
It doesn’t matter if you:
Work 2 jobs
Run a hustle
Earn a big salary
If you can’t consistently set something aside — and resist touching it — You’ll always be chasing financial freedom instead of living it.
🚀 Bottom Line:
Making money is flashy.
Keeping money is powerful.
Growing money is freedom.
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