Research had it that the poorest groups of people in the world are Salary earners, next to beggars. They live in a vicious cycle of poverty, managed on 30 days. Salary is continuously being awaited every month and any slight delay brings about heartbreaking anxiety, pressure and disappointment.

Salary is a short term solution to a life time problem. Salary alone cannot solve your money problems. You need multiple Sources of income to balance. The tax return form contains about 11 income streams, of which salary is just one.

Don’t live Life fishing with just one hook, there are many fishes in the ocean.

Salary is the MEDICINE for managing POVERTY, not to CURE it. Only your BUSINESS or INVESTMENT Cures Poverty. Most investors are not salary earners. The difference between those beggars on the street and salary earners is one month salary. Truncate the flow of their salary for one month and you would realize that majority belong to the lower class.

If you divide your salary by the rate of exchange, you will discover that you are poorer, relative to when you started work.

Or divide your salary per annum by 2,000 hours to know what your one hour is worth. If you do not have 3 months salary in savings, you are already poor. Being a salary earner is a mentality, break It!

Your worth is far more than your salary.
Salary is the value someone has put on your effort. How much do you value yourself? You can’t increase in value, unless you value yourself differently. Life is a trade off between time, effort and reward. To be rewarded more, you have to become more valuable.

Most salary earners end up poor in the long and short term. I therefore urge every one of us to be FINANCIALLY INTELLIGENT, FINANCIALLY LITERATE and OPEN OUR EYES TO SEE OPPORTUNITIES IN PROBLEMS. Delve into entrepreneurship because salary is a lifetime disappointment.

Being a salary earner or investor is a decision. Life Will not change until you decide. Make the move!
Someone said, “Salary is a bribe to forget one’s ambition.”


  1. Brilliant article. This is something I realised many years ago and it changed my life. Unfortunately, many Zambians graduate from UNZA with a sole aim of getting a job and earn a salary but this should not be so.
    I was so shocked in October 2012 when I went to Ethiopia to give a lecture on Fund Management. The course was oversubscribed despite the relatively high attendance fee of $500 per day.
    I quickly figured out that most Ethiopians in fact shun the Civil Service (Govt jobs) and run away from such jobs opting to be self employed and run their own businesses. This is the right attitude which we Zambians should strive to pursue. There is nothing better than working for yourself because it empowers you and puts you in control.


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