The Kenyan middleclass crisis

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Purr_27

Village Elder
#1
I came across this article thoght to share it

I’m seated on a wooden bench under a makuti shed located at a vantage point deep in the heart of a national reserve watching a herd of elephants grazing peaceful below, oblivious of the chaotic world out there. A fortnight ago I handed in my final year project which marked the end of a 5-year pursuit for my Undergrads. Faced with the biggest dilemma of my life, I traveled down to this remote camping site in south coast to strategize on my next step. The decision I’m about to make is to either take the job offered or turn it down and instead follow my passion which is unconventional.


Having interned in more than three different companies in the city where I interacted with the Nairobi middle class citizens on a daily basis, I came to abhor the kind of lives they lead. Nothing scares me like the idea of being sucked into the middle class vortex, lose my zeal for achieving greatness and getting into a comfort zone should I take the job.

You have probably heard the news about Kenya being categorized as a middle-income country and how Kenyans consumerism spearheaded by the middle class influences the economy. For your edification (according to KNBS)the middle class comprises of households which spend Ksh 24,000- 120, 000 per month. The rich class comprises of those who spend more than Ksh 200,000 a month. To fully understand the nightmare of ending up a rich class wannabe a.k.a middle class, my life would play as follow...

Graduate with a 2nd class upper and get a job in one of the already established companies in the city thanks to my parent’s connections. Having saved some money three months into the job I decide to take a soft loan to supplement the savings in order to move out of the nest. My choice of new digs would be influenced by what my acquaintances consider cool. High chances are that I would end up in an overpriced SQ in Kileleshwa instead of a decent house in a less envious part of the city where one gets true value for their money. Most of the loan money would be spent on furniture, home electronics and to throw a house warming party.


Keen to maintain an image, taxis would become my preferred choice of transport until the application I made for a car loan goes through. The next step would be to acquire a noisy Subaru or a serious Toyota like Mark X. The operating costs of the latter car model can be quite grueling for someone depending on a fixed income. As soon as the word goes round that I have some new wheels the few opportunistic ladies I know from my nascent years would magically regain interest

“Hey mark! Haven’t seen you in a while…Can we hook up this Friday?”

As a man the last thing I want is to turn down a pretty lady so I would agree to meet her at some elegant joint on the outskirts of the city with the aim of impressing her.

On Friday, the said lady makes an entrance with two friends in tow. They go ahead and order pricey liquor with names I’ve never heard before while I squirm in my seat. Nonetheless, we spend the next few hours partying like it’s the end of the world reminiscing the great times we had back in campus. At around 4 am the lass asks me to take her back home which is on the other side of town. Upon reaching her place she gives me a peck on the cheek before scampering upstairs bashing all hopes I had about getting lucky that night
. .
The next morning I nurse a nasty hangover exacerbated by the thought of having wasted all the money I had planned to invest in the stock market on the previous night. There is always next time, I console my troubled soul. Since I don’t have many responsibilities partying all weekend long becomes permanently ingrained on my schedule. No cool party within the city, Machakos or Nakuru ever goes down without my presence.

Five years later I’m approaching 30. My mother’s incessant demands for me to settle down finally get to me. After goggling on the best way to propose, I settle on an idea then borrow some money from Njoroge to finance it. My On & Off girlfriend and I head to Masai Mara during the wildebeest migration. While on a hot-air balloon ride I go down on my knee and pop the question. “Will you marry me?” Of course she says yes. Who in their right mind turns down an amazingly romantic guy like me? I ensure every bit of the charade is photographed so that I can later publish the pictures on this blog to arouse envy especially among the ladies who rejected me…hehe.

This stirs a buzz on social media as young Kenyan ladies call on their men to emulate me while the guys try their best to criticize the whole thing. A few months later I round up 2 dozens of friends and relatives then extract a substantial contribution from them to go towards bankrolling my wedding. The wedding has to be glamorous. Something so grand that everyone will talk about it for days without a care of the kind of damage that would do to my finances.

As years progress I sire two beautiful kids. I decide to take a loan to pursue an MBA. A smart move since upon graduating my employer promotes me to middle level management. Now that the pay is better, I move into a bigger apartment and take yet another loan to buy a bigger ride befitting a man of my stature. The changes don’t stop there. Soon enough I switch places where I shop, eat and drink for fancier joints. I also transfer my kids to private schools whose annual tuition fee is more than the price of a quarter acre plot along Thika Road. The changes put so much pressure on me that I have to take an advance salary almost every month in order to stay afloat.

Life is still good thanks to my employer who occasionally sponsors me for trips abroad where I acquire a phony accent after a 2 weeks stay. Back in the city I make a point of attending events like Blankets & Wine with my beautiful wife. During Easter and Christmas holidays I take my young family to north coast. All these trips are closely followed by countless pictures uploaded on Instagram for the world to see. As for spiritual growth, my family worships in hip churches whose ministers only preach about prosperity after all who wants to hear about hell? When it comes to gadgets, I would sale a kidney if I have to in order to acquire every new version of the iPhone. It’s officially I’m in the middle class bubble.

One day I wake up only to realize my potbelly has grown so huge that I can no longer see my junk down there thanks to a decade of leading an unhealthy lifestyle. It also hits me, I ought to plan for retirement and how to put my kids through college. With all the money I borrowed in my youth to support my fancy lifestyle the future looks grim. I’m left with no choice but to take a mortgage since a man of my age ought to own a house. I start a small business on the side to help me dig myself out of debt. The business goes under in less than a year.
....
As if aware of my desperate situation the boss places me on a short leash, threatening to take action should I fail to give in to her unreasonable demands. Fully cognizant of the fact that without the job and incentives it offers my family would sink to abject poverty. I work even harder, wake up at 5:30am every weekday, maneuver through heavy traffic to work, skip lunch then pass through the local bar on my way home. I virtually turn into a robot. Same people, same schedule every single day. Afraid of losing money I only make safe investments which are often less profitable.

Midlife crisis strikes. Career stagnation turns me into a constant grumbler. I find faulty in everything from the country’s governance to my wife’s cooking. I mistreat anyone whom I think is beneath me. It depresses me further to see former classmates’ lead better lives. This resentment grows bigger every single day. I keep wishing I had pursued my dreams when I had a chance instead of choosing the safest option. Sometimes I even contemplate suicide.

To stir some excitement, I go after young impressionable campus girls. The pretty young things laugh at my dry jokes making me feel all young again thanks to my generosity. Tired of my philandering ways and neglect my wife gets a toy boy on the side. Our differences grow exponential to the point we amicably decide to divorce. She takes away my kids...

Loneliness and depression leads me to seek solace in the bottle. One morning after binge drinking I drive into a stationary truck. As life drains out of my mangled body my whole life flashes before my eyes. Who will take care of my kids? What will I be remembered for? Would things have turned differently had I pursued my passion? Having not lived my life to the fullest, my demise doesn’t even stir a buzz on twitter. Instead of leaving my kids a fortune I leave them with endless debts. They grow up without a father figure and soon enough forget my existence.

Fellow young Kenyans, when did living an average life become so enticing? The only way one can amass real wealth is by applying the law of delayed gratification; planning for the future, cutting on expenses, saving and investing. Taking endless loans to maintain an image is bound to result in dire financial consequences in the future.

It’s time someone said it, average living (read middle-class) is not good enough!

Written by Mark Maina
 

junkie

Village Elder
#5
so true.when i was doing my masters maafakaz assumed i took out a loan..i was like no biach when you were drinking fri-sun i only drunk on sat,while you bought a 2000cc i was ok with a 1500cc..he was like so your loan free huh??am like yeah biach discipline goes a long way
 

Purr_27

Village Elder
#6
so true.when i was doing my masters maafakaz assumed i took out a loan..i was like no biach when you were drinking fri-sun i only drunk on sat,while you bought a 2000cc i was ok with a 1500cc..he was like so your loan free huh??am like yeah biach discipline goes a long way
Hehe.. aki junkie umecurse kwanini sasa..on a lighter note having discipline with money
 

Mzee mzima

Village Sponsor
#7
No wonder people in that age bracket are easily irritable because of life's frustrations even on this forum I can know this guys by their responses... Anyway the article is an eye opener but to the guys experiencing that all is not lost I mean you still have four limbs and a brain... I believe in second chances. it's never too late.
 

pamba

Village Sponsor
#8
I came across this article thoght to share it

I’m seated on a wooden bench under a makuti shed located at a vantage point deep in the heart of a national reserve watching a herd of elephants grazing peaceful below, oblivious of the chaotic world out there. A fortnight ago I handed in my final year project which marked the end of a 5-year pursuit for my Undergrads. Faced with the biggest dilemma of my life, I traveled down to this remote camping site in south coast to strategize on my next step. The decision I’m about to make is to either take the job offered or turn it down and instead follow my passion which is unconventional.


Having interned in more than three different companies in the city where I interacted with the Nairobi middle class citizens on a daily basis, I came to abhor the kind of lives they lead. Nothing scares me like the idea of being sucked into the middle class vortex, lose my zeal for achieving greatness and getting into a comfort zone should I take the job.

You have probably heard the news about Kenya being categorized as a middle-income country and how Kenyans consumerism spearheaded by the middle class influences the economy. For your edification (according to KNBS)the middle class comprises of households which spend Ksh 24,000- 120, 000 per month. The rich class comprises of those who spend more than Ksh 200,000 a month. To fully understand the nightmare of ending up a rich class wannabe a.k.a middle class, my life would play as follow...

Graduate with a 2nd class upper and get a job in one of the already established companies in the city thanks to my parent’s connections. Having saved some money three months into the job I decide to take a soft loan to supplement the savings in order to move out of the nest. My choice of new digs would be influenced by what my acquaintances consider cool. High chances are that I would end up in an overpriced SQ in Kileleshwa instead of a decent house in a less envious part of the city where one gets true value for their money. Most of the loan money would be spent on furniture, home electronics and to throw a house warming party.


Keen to maintain an image, taxis would become my preferred choice of transport until the application I made for a car loan goes through. The next step would be to acquire a noisy Subaru or a serious Toyota like Mark X. The operating costs of the latter car model can be quite grueling for someone depending on a fixed income. As soon as the word goes round that I have some new wheels the few opportunistic ladies I know from my nascent years would magically regain interest

“Hey mark! Haven’t seen you in a while…Can we hook up this Friday?”

As a man the last thing I want is to turn down a pretty lady so I would agree to meet her at some elegant joint on the outskirts of the city with the aim of impressing her.

On Friday, the said lady makes an entrance with two friends in tow. They go ahead and order pricey liquor with names I’ve never heard before while I squirm in my seat. Nonetheless, we spend the next few hours partying like it’s the end of the world reminiscing the great times we had back in campus. At around 4 am the lass asks me to take her back home which is on the other side of town. Upon reaching her place she gives me a peck on the cheek before scampering upstairs bashing all hopes I had about getting lucky that night
. .
The next morning I nurse a nasty hangover exacerbated by the thought of having wasted all the money I had planned to invest in the stock market on the previous night. There is always next time, I console my troubled soul. Since I don’t have many responsibilities partying all weekend long becomes permanently ingrained on my schedule. No cool party within the city, Machakos or Nakuru ever goes down without my presence.

Five years later I’m approaching 30. My mother’s incessant demands for me to settle down finally get to me. After goggling on the best way to propose, I settle on an idea then borrow some money from Njoroge to finance it. My On & Off girlfriend and I head to Masai Mara during the wildebeest migration. While on a hot-air balloon ride I go down on my knee and pop the question. “Will you marry me?” Of course she says yes. Who in their right mind turns down an amazingly romantic guy like me? I ensure every bit of the charade is photographed so that I can later publish the pictures on this blog to arouse envy especially among the ladies who rejected me…hehe.

This stirs a buzz on social media as young Kenyan ladies call on their men to emulate me while the guys try their best to criticize the whole thing. A few months later I round up 2 dozens of friends and relatives then extract a substantial contribution from them to go towards bankrolling my wedding. The wedding has to be glamorous. Something so grand that everyone will talk about it for days without a care of the kind of damage that would do to my finances.

As years progress I sire two beautiful kids. I decide to take a loan to pursue an MBA. A smart move since upon graduating my employer promotes me to middle level management. Now that the pay is better, I move into a bigger apartment and take yet another loan to buy a bigger ride befitting a man of my stature. The changes don’t stop there. Soon enough I switch places where I shop, eat and drink for fancier joints. I also transfer my kids to private schools whose annual tuition fee is more than the price of a quarter acre plot along Thika Road. The changes put so much pressure on me that I have to take an advance salary almost every month in order to stay afloat.

Life is still good thanks to my employer who occasionally sponsors me for trips abroad where I acquire a phony accent after a 2 weeks stay. Back in the city I make a point of attending events like Blankets & Wine with my beautiful wife. During Easter and Christmas holidays I take my young family to north coast. All these trips are closely followed by countless pictures uploaded on Instagram for the world to see. As for spiritual growth, my family worships in hip churches whose ministers only preach about prosperity after all who wants to hear about hell? When it comes to gadgets, I would sale a kidney if I have to in order to acquire every new version of the iPhone. It’s officially I’m in the middle class bubble.

One day I wake up only to realize my potbelly has grown so huge that I can no longer see my junk down there thanks to a decade of leading an unhealthy lifestyle. It also hits me, I ought to plan for retirement and how to put my kids through college. With all the money I borrowed in my youth to support my fancy lifestyle the future looks grim. I’m left with no choice but to take a mortgage since a man of my age ought to own a house. I start a small business on the side to help me dig myself out of debt. The business goes under in less than a year.
....
As if aware of my desperate situation the boss places me on a short leash, threatening to take action should I fail to give in to her unreasonable demands. Fully cognizant of the fact that without the job and incentives it offers my family would sink to abject poverty. I work even harder, wake up at 5:30am every weekday, maneuver through heavy traffic to work, skip lunch then pass through the local bar on my way home. I virtually turn into a robot. Same people, same schedule every single day. Afraid of losing money I only make safe investments which are often less profitable.

Midlife crisis strikes. Career stagnation turns me into a constant grumbler. I find faulty in everything from the country’s governance to my wife’s cooking. I mistreat anyone whom I think is beneath me. It depresses me further to see former classmates’ lead better lives. This resentment grows bigger every single day. I keep wishing I had pursued my dreams when I had a chance instead of choosing the safest option. Sometimes I even contemplate suicide.

To stir some excitement, I go after young impressionable campus girls. The pretty young things laugh at my dry jokes making me feel all young again thanks to my generosity. Tired of my philandering ways and neglect my wife gets a toy boy on the side. Our differences grow exponential to the point we amicably decide to divorce. She takes away my kids...

Loneliness and depression leads me to seek solace in the bottle. One morning after binge drinking I drive into a stationary truck. As life drains out of my mangled body my whole life flashes before my eyes. Who will take care of my kids? What will I be remembered for? Would things have turned differently had I pursued my passion? Having not lived my life to the fullest, my demise doesn’t even stir a buzz on twitter. Instead of leaving my kids a fortune I leave them with endless debts. They grow up without a father figure and soon enough forget my existence.

Fellow young Kenyans, when did living an average life become so enticing? The only way one can amass real wealth is by applying the law of delayed gratification; planning for the future, cutting on expenses, saving and investing. Taking endless loans to maintain an image is bound to result in dire financial consequences in the future.

It’s time someone said it, average living (read middle-class) is not good enough!

Written by Mark Maina
Too short madam,next time make it long considering it's a sunday,hangover inanimalisa.
 

jameson

Senior Villager
#10
True, kwanza hio mambo ya magari za loans ni ukweli kabisa, many don't understand the value of keeping your life simple, they surround themselves with too many complications in the name of fitting in.
 

jameson

Senior Villager
#13
I'm sure many would like to live simple lives but give in to pressure.
Just the other day my father was on his usual tirade on how I have nothing.
True, the pressure is everywhere, from the media, the society and even within...it's hard to look at fancy things and not get attracted, it's human nature to let what goes through your eyes affect your mind.To be truly free one has to constantly remind themselves that most things are vanities and you're better off without them...this society is rife with materialism.
 
#18
YOLO generation

"Their conversations always skirt
around having fun and binge drinking.
Talk to them about investing
in something worthwhile, like real
estate, and you can almost hear
crickets chirping in their heads.
At 29, their fathers were buying
land in Thome, Kahawa
Sukari and Garden Estate, but
these Blueband boys, at 29, are
busy buying cheap, plastic Chinese
“designer” sneakers at exorbitant
prices on the Internet, to show off
on Instagram." (Njoki Chege, 2015)
 
#20
I keep on telling my friends,a car should never be a priority before investing. Talkers never ever take a car loan. never. same as a mortgage.
 
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