Winning by Investing with a Team

There’s a common myth in wealth building: that you can do it all by yourself. 

Many people start out with that mindset—relying on their own money, knowledge, time, and energy. At first, it feels empowering. You’re in control. You’re moving forward. But soon, the cracks start to show. 

Your money can only stretch so far, your knowledge hits a ceiling, and your energy eventually burns out.

That’s why the wealthiest people in the world rarely build alone. They build with a Power Team.

Why Going Solo Is the Slow Way to Wealth

Working alone might feel safe, but it’s also the slow lane. Here’s why:

• Limited resources – Your personal savings or earnings can only fund so much.
• Knowledge gaps – No one person can master every aspect of investing.
• Burnout – Doing everything yourself eventually drains your motivation.

When you try to climb the wealth ladder alone, you eventually stall. Many people quit not because they lack ambition, but because they lack leverage.

The Leverage of a Power Team

A Power Team multiplies your ability to win by giving you access to other people’s:

• Knowledge – Specialists in areas you’re not strong in.
• Experience – Lessons learned the hard way, so you don’t repeat them.
• Money – Pooling resources makes bigger opportunities possible.
• Connections – Networks that open doors you couldn’t on your own.
• Time – Delegating tasks frees you to focus on what matters most.

With a team, your personal limits stop being a ceiling. Instead, you gain the leverage to build wealth faster and more sustainably.

Who Belongs on Your Power Team?

The exact mix depends on your goals, but most wealth builders benefit from having:

• Mentors – People who’ve already succeeded in the path you’re taking.
• Advisors – Accountants, lawyers, or financial experts who help protect and grow your assets.
• Partners – People who share your vision and can bring money, skills, or resources.
• Support system – Friends, family, or community who encourage you to keep going.

Winning by Investing with a Team

When you invest with a Power Team, you:

1. Make smarter decisions, because more perspectives are at the table.
2. Take bigger opportunities, because resources are pooled.
3. Stay motivated longer, because you’re not carrying the weight alone.

Wealth building is not a solo sport—it’s a team game. And like any winning team, yours should be built with strategy, trust, and a shared vision.

Final Thought

Alone, you’re limited. Together, you’re unstoppable. If you want to move fast, go alone. If you want to build lasting wealth, build with a team.

Stop Chasing Money

Most people spend their lives running after money—working longer hours, juggling multiple jobs, and chasing opportunities that promise quick returns. Yet, the harder they chase, the further money seems to slip away.

The truth is, wealth is not built by endlessly pursuing cash; it’s built by positioning yourself so that money chases you.

The Trap of Chasing Money

When you chase money, you trade time for it. Your income is directly tied to your effort and hours. 

If you stop working, the money stops flowing. This creates an endless cycle: you work harder, but expenses rise just as fast. This is why so many people feel stuck despite putting in more effort than ever before.

Chasing money keeps you reactive instead of proactive. You’re always running after the next paycheck, the next gig, or the next short-term win. That lifestyle may keep the lights on, but it rarely builds long-term wealth.

The Shift: Letting Money Chase You

Wealthy people think differently. They focus on building systems, assets, and value that attract money on their behalf. 

Instead of chasing every kwacha, they create vehicles that make more kwachas chase them.

Here’s how:

1. Build Assets That Work for You

• Investments: Stocks, bonds, real estate, or businesses generate returns even when you’re not actively working.
• Digital Assets: E-books, courses, apps, or content that continue to sell without constant effort.

Assets are like employees—working for you around the clock, without complaint.

2. Create Multiple Streams of Income

One job is risky. If you lose it, your income vanishes. Multiple income streams spread your risk and multiply your wealth-building potential. 

Imagine earning from your job, rental income, dividends, side businesses, and royalties—all at once.

3. Focus on Value, Not Just Money

Money is a by-product of solving problems. If you create value—whether through a business, service, or idea—money will follow you. 

The bigger the problem you solve, the more money chases you.

4. Leverage Systems and People

Leverage is the secret weapon of the wealthy. Instead of doing everything alone, they use systems, technology, and teams to multiply their impact. 

For example, an online store can sell products worldwide while you sleep. That’s leverage.

5. Make Money Work for You

This is the golden rule. Stop parking money where it earns nothing. Instead, put it where it grows: investments, high-yield accounts, or ventures.

Every kwacha you own should be a “worker” in your financial factory.

Final Word

The choice is simple: keep chasing money and remain in the cycle of hard work with little freedom, or make the shift to building assets, creating value, and letting money chase you. 

True wealth isn’t about running faster—it’s about positioning yourself so that opportunities, income, and resources naturally flow toward you.

Money runs from desperation but chases discipline, systems, and ownership. 

Stop running after it.

Build wisely, and soon enough, money will be the one running after you.

Why You Work Harder Yet Have Less Money Each Month

Not long ago, a friend of mine shared a story that might sound familiar.

He said, “When I first got my job, life felt good. My salary covered rent, food, transport, and I even saved a little. But now—years later—I earn more than double what I started with, yet at the end of each month, I’m broke. How does that even make sense?”

I smiled, not because it was funny, but because it’s a story I’ve heard countless times. Maybe it’s your story too. You’re working harder than ever—overtime, side hustles, late nights—and still, your money seems to vanish. Here’s why.

The Invisible Thief: Rising Costs

Back when my friend started working, a bag of mealie meal was cheaper, transport was affordable, and fuel didn’t eat half the paycheck. Over time, prices crept up quietly. The salary increases never kept pace. It’s like running on a treadmill—you’re sweating, moving your legs faster, but you’re not really going anywhere.

The Weight of Debt

Then came the loans. A small one for furniture. A bigger one for a car. Debt is sneaky—it feels like help at first, but before long, it’s a hungry mouth swallowing part of every paycheck.

The Temptation of Lifestyle

With promotions and higher pay, my friend wanted to reward himself. A nicer phone. Eating out more often. Upgraded apartment. 

Nothing wrong with enjoying the fruits of your labor—but each step up came with a heavier financial burden. The more he earned, the more he spent, and the circle never ended.

Living Without a Money Map

One day I asked him, “Do you have a budget?”
He laughed, “I keep it in my head.”

That’s the trap many fall into. Without a clear money map, your finances drift like a boat without a rudder. You work harder, but your money doesn’t obey you—it escapes.

The Missing Streams

Finally, the harsh truth: one income stream isn’t enough anymore. My friend only relied on his salary. But salaries are fixed, while costs are alive—they rise, shift, and grow.

Those who escape the trap learn to build multiple streams: small businesses, investments, or even simple savings that earn interest.

The Turning Point

My friend eventually changed course. He cut down expenses, killed his debt, and started investing small amounts in a side hustle. It wasn’t easy, but today, his money story looks different.

The Lesson

Working harder doesn’t guarantee more money. It’s not about how many hours you work but how wisely you use what you earn. 

If you feel like you’re sweating more but seeing less, don’t lose hope. Your story can change too—once you take control, create a plan, and let your money start working for you.

“Do not save what is left after spending, but spend what is left after saving.” – Warren Buffett

Beware of Little Expenses: A Small Leak Will Sink a Great Ship

Benjamin Franklin once said, “Beware of little expenses; a small leak will sink a great ship.” 

These words, though spoken centuries ago, remain as relevant today as they were then. Many people think financial ruin comes from one big mistake, but more often it’s the small, unnoticed expenses that slowly drain wealth and block financial progress.

The Power of Small Leaks

Think about a massive ship. It’s designed to withstand storms, waves, and even powerful winds. Yet, a tiny hole left unchecked can eventually cause it to sink.

Money works the same way. You might earn a steady income, save, and even invest, but if you allow small, consistent leaks in your spending, your financial ship is at risk.

Examples of leaks:

• Daily coffee runs costing ZMW 50 each day (ZMW 1,500 a month).
• Multiple unused subscriptions eating ZMW 200 to ZMW 400 monthly.
• Impulse purchases at the supermarket or online shopping.
• Bank charges or mobile money fees from poor planning.

Individually, they don’t look dangerous. Collectively, they can sink your budget.

Why Small Leaks Are Dangerous

1. They are invisible. We hardly notice them, so they don’t trigger financial alarms.
2. They build habits. Small indulgences can create a lifestyle of carelessness.
3. They compound. ZMW 1,500 lost monthly is ZMW 18,000 yearly—money that could fund investments, debt repayment, or a savings goal.

Turning Leaks Into Wealth

The good news is that plugging small leaks can transform your finances.

• Track everything. Use a budget planner or mobile app to know where each kwacha goes.
• Cut waste. Cancel unused subscriptions, avoid unnecessary fees, and plan purchases.
• Automate savings. Redirect even ZMW 20 or ZMW 50 daily into an investment or savings account.
• Create rules. For example: “No buying takeout more than twice a week” or “Withdraw once weekly to cut fees.”

A Practical Example

Let’s say you cut ZMW 50 daily from impulse expenses. That’s ZMW 1,500 a month. If you invest this in a fixed deposit at 12% yearly interest, you’d have over ZMW 200,000 in 10 years. What seemed like a harmless daily leak could have been the seed of your financial freedom.

Final Thought

Big dreams are often destroyed not by storms but by small leaks. Wealth is built when you watch not just the big investments but also the little expenses. 

Franklin’s wisdom is clear: Protect your ship. Guard against leaks. Every kwacha matters.

Getting Rich Starts in the Mind

Most people believe wealth starts with money — a big salary, a profitable business, or a lucky break. But the truth is, getting rich starts in the mind. 

Your financial reality is a direct reflection of your thoughts, beliefs, and daily decisions. If you want to build lasting wealth, you must first reprogram how you think about money, success, and opportunity.

Here’s the ultimate mindset blueprint to set yourself on the path to financial freedom.

1. Believe It’s Possible for You

Before you can have wealth, you must believe you can have it.
If deep down you think rich people are “lucky” or that money isn’t for “people like you,” your subconscious will sabotage your actions.

Shift your belief:

• Replace “I can’t afford it” with “How can I afford it?”
• Replace “I’m not good with money” with “I’m learning to master money.”

Your mind listens to your words. Speak abundance, not limitation.

2. Escape the Scarcity Trap

Scarcity mindset keeps you stuck. It whispers:

“There’s not enough.”
“If they win, I lose.”
“Money is hard to come by.”

An abundance mindset flips the script:

“Money flows where value flows.”
“Opportunities are everywhere.”
“I can create wealth by solving problems.”

Scarcity focuses on what you don’t have. Abundance focuses on what you can create. The wealthy think in possibilities, not limits.

3. Value Time Over Money

The poor trade time for money; the wealthy leverage time to multiply money.

If your income stops the moment you stop working, you’ll always struggle to get ahead. Wealthy people build systems, assets, and streams of income that generate money even while they sleep.

Ask yourself:

• How can I automate my income?
• What can I delegate to free my time?
• Which assets can I invest in to grow wealth passively?

4. Think in Terms of Systems, Not Effort

Stop asking, “How do I make more money?” and start asking, “How can I make my money work for me?”

Wealthy people don’t rely on one source of income. They build systems:

• Investments that compound.
• Businesses that run without them.
• Passive income streams from real estate, stocks, or royalties.

Instead of working harder, they design smarter money flows.

5. Prioritize Assets Over Liabilities

Every kwacha you earn can either:

• Buy something that loses value (liability), or
• Build something that creates value (asset).

The wealthy focus on accumulating income-producing assets — things that put money into your pocket:

• Stocks and bonds
• Rental properties
• Businesses
• Intellectual property
• Fixed income investments

Liabilities, on the other hand — like expensive cars, gadgets, or lifestyle upgrades — drain your future wealth if not managed carefully.

6. Surround Yourself With Wealth-Oriented Thinking

Your environment shapes your financial destiny. If everyone around you complains about money, spends recklessly, and avoids growth, it’s harder to rise.

Instead:

• Read books about money and investing.
• Listen to podcasts and mentors who’ve built wealth.
• Network with people who are financially ahead of you.

Proximity accelerates progress. You rise to the level of the people you consistently interact with.

7. Act Relentlessly on What You Learn

Knowledge without action is financial stagnation.
You don’t get wealthy by simply knowing — you get wealthy by doing:

• Start the business.
• Make the investment.
• Build the habit of saving and reinvesting.
• Learn from failures and adjust quickly.

Consistency compounds. Even small daily actions — reading one page, investing a little, learning a new skill — snowball into massive change over time.

Final Thoughts

Wealth isn’t just about what you earn; it’s about how you think, decide, and act. The moment you shift your mindset from scarcity to abundance, from trading time to leveraging time, from liabilities to assets, your financial life starts to transform.

Remember this:

Money follows value.
Value comes from ideas.
Ideas come from a wealthy mindset.

Your financial freedom begins in your mind — long before it shows up in your bank account.

Why Poor People Stay Poor

“Poor people buy things. Rich people buy assets.”

This simple truth explains why two people earning the same amount can end up in two very different financial positions over time.

The Problem: Spending to Look Rich

For many people, especially those coming from limited means, the first taste of money often goes into buying things — clothes, gadgets, fast food, or entertainment.

There’s a strong desire to show success, escape struggle, and enjoy life. But here’s the trap:

• Things lose value.
• Things don’t produce income.
• Things don’t grow wealth.

The poor often spend money trying to feel rich. The rich spend money becoming rich.

The Difference: Assets Build Wealth

Assets are anything that puts money in your pocket.

• A rental house earns you rent.
• A stock pays you dividends.
• A small business earns profits.
• A savings account earns interest.

Rich people prioritize owning these. That’s how they grow their wealth, even if they started small.

The Solution: Start Where You Are with ZMW1/Day

You don’t need to earn millions to build wealth. You need the right habits. 

That’s where the ZMW1/Day Savings Challenge comes in.

Here’s how it works:

• Save just ZMW1 every day — that’s it.
• Put it in a dedicated account or mobile wallet.
• At the end of the month, invest it in something with potential growth (e.g., fixed deposit, cooperative savings, bonds, etc.).

Why it works:

• It builds discipline.
• It creates momentum.
• It proves that anyone can start building wealth.

This small habit can lead to thousands saved per year, and over time, these savings can become your first investment — your first asset.

Real-Life Example: From Daily Savings to Business Owner

Sarah started saving ZMW1/day. After a few months, she added ZMW2/day. In a year, she had enough to buy a small popcorn machine. She started selling at school events and markets. Now she runs a small snack business and is saving more aggressively. Her journey began with one kwacha per day.

The Mindset Shift

• Poor mindset: “I only have ZMW1. It’s nothing.”
• Wealth mindset: “I’ll use this ZMW1 to start something.”

This shift is what separates those who stay stuck from those who break free.

Take Action

Here’s your challenge:

1. Start today: Save ZMW1 before the day ends.
2. Track your progress: Use a notebook or app.
3. Join the movement: Share your journey. Inspire others.
4. Commit for 30 days: Just one month. Watch what changes.

Final Word

Don’t buy things just to look successful. Buy assets to become successful. Even one kwacha a day can change your story.

How Much of Your Lifetime Income Do You Still Have

Have you ever stopped to ask yourself:

“How much money have I earned in my entire life… and how much of it do I still control?”

For most people, the answer is sobering. We spend decades working, trading our time and energy for money — yet at the end of it all, we often have little to show for it.

This is not about blaming yourself. It’s about understanding the silent trap that keeps millions of hardworking people broke, despite earning millions over a lifetime.

The Lifetime Income Illusion

Let’s take an example:

• You start working at age 25.
• You earn an average salary of ZMW 8,000 per month.
• Over 40 years, that’s roughly:

ZMW 8,000 × 12 × 40 = ZMW 3,840,000

Yes, that’s almost ZMW 4 million passing through your hands over a lifetime.

But here’s the reality:

• Taxes eat a huge chunk.
• Debt consumes another portion.
• Bills — rent, food, transport, utilities — take more.
• Lifestyle creep (spending more as you earn more) silently drains the rest.

By retirement, most people can’t even point to 10–20% of what they’ve earned.

Where Did All the Money Go?

1. Taxes and Deductions

Your income isn’t fully yours. Before you even touch it, a percentage disappears into PAYE, pension contributions, and social security deductions.

2. Debt Repayments

Personal loans, and car financing borrow against your future income. You’re paying interest while working harder just to stay afloat.

3. Lifestyle Inflation

The moment you earn more, you upgrade — a bigger house, a better car, fancier gadgets. Over time, these silent upgrades drain wealth faster than anything else.

4. Lack of Investing

Earning money is not enough. If your money isn’t working for you, you’ll always be starting over every month.

The Retained Earnings Test

Do this quick exercise:

1. Add up all the money you’ve ever earned since your first job.
2. Check how much you currently have saved, invested, or own in assets.
3. Calculate this simple formula:

Retained Earnings % = (Total Assets ÷ Lifetime Income) × 100

If your number is below 20%, you’re not alone — but it’s a wake-up call.

Flipping the Script: How to Keep More of What You Earn

The goal isn’t just to make money; it’s to control it. Here’s how:

1. Pay Yourself First

Before paying bills, save or invest 10–20% of your income automatically. Treat it like a non-negotiable expense.

2. Invest in Fixed Income

Use Fixed Term Deposits, Treasury Bills, and Government Bonds to grow your money safely. Compounding over time is your best friend.

3. Build Assets, Not Just Income

Use your income to buy things that generate more income — rental property, dividend stocks, side businesses, or passive income streams.

4. Track Your Numbers

What you measure, you control. Use budgeting apps or spreadsheets to know where every kwacha goes.

The Mindset Shift

Most people work their whole lives for money, but wealthy people make money work for them.

If you don’t make this shift, you’ll look back decades from now wondering:

“I earned millions… where did it all go?”

Start today. Track your lifetime income. Be intentional about savings. Invest early and consistently. Build assets that outlive your paychecks.

Because financial freedom isn’t about how much you earn — it’s about how much you keep and grow.

Final Thought

Money is a tool. Either you control it, or it controls you.

Your lifetime income is probably larger than you think — but without a plan, it will slip through your fingers.

Start keeping more of what you earn and watch your financial future transform.

Sure Path to a Life of Poverty - Doomscrolling

In today’s hyper-connected world, information is just a swipe away. But here’s the catch: the same device that gives us access to knowledge, opportunities, and wealth-building strategies can also lead us straight into a trap of poverty — and one of the fastest-growing traps is doomscrolling.

If you’ve ever spent hours glued to your phone, endlessly scrolling through bad news, political drama, social media outrage, and other people’s curated “perfect lives,” you’re not alone. But what feels harmless can silently sabotage your mental health, productivity, and financial future.

Here’s how doomscrolling quietly keeps you broke — and how to break free.

1. Wasted Time = Wasted Opportunities

Time is your most valuable asset. The hours you spend scrolling are hours you’ll never get back — and every wasted hour pushes you further away from financial freedom.

• Time you could’ve spent learning a new skill
• Time you could’ve used to start a side hustle
• Time you could’ve devoted to networking or investing

If you doomscroll just 2 hours a day, that’s 60 hours a month and 720 hours a year — nearly 30 full days lost. Imagine what you could build in 30 days.

2. Mental Drain = Poor Financial Decisions

Doomscrolling floods your brain with fear, anxiety, and helplessness. You’re constantly consuming negativity — economic collapses, layoffs, disasters — and over time, this creates a scarcity mindset.

A scarcity mindset keeps you:

• Afraid to invest (“What if I lose everything?”)
• Afraid to start something new (“The economy is bad, why bother?”)
• Afraid to negotiate (“I should just be grateful to have a job”)

The result? You stay stuck where you are.

3. The Comparison Trap

Social media is a highlight reel, not real life. But when you scroll endlessly, your brain forgets that — and you start comparing your real struggles to other people’s filtered wins.

Comparison leads to:

• Overspending to “keep up”
• Lifestyle inflation before you’re financially ready
• Debt accumulation just to look successful

You think you’re catching up, but really, you’re digging a deeper hole.

4. Reduced Focus = Reduced Income

Doomscrolling fragments your attention. You can’t build wealth without focus — whether it’s writing a proposal, launching a business, learning investing, or mastering a new skill.

The average person switches between apps and feeds hundreds of times a day. That constant context-switching shrinks your productivity and kills your creativity. Less focus = less output = less income.

5. Lost Compounding Advantage

Wealth grows through compounding — the earlier you start investing in yourself, your skills, and your money, the faster you build freedom.

Every year spent doomscrolling instead of acting sets you back:

• No skills learned = stagnant income
• No investments made = missed growth
• No action taken = lost compounding power

Compounding works best when you start early. Doomscrolling delays everything.

How to Break Free From Doomscrolling

Escaping the trap isn’t about quitting social media completely — it’s about regaining control.

1. Set Daily Limits

Use app timers to cap your scrolling time. Start small — limit social media to 30 minutes a day.

2. Schedule “No-Phone” Hours

Dedicate focus blocks where your phone is out of reach. Even one hour a day of uninterrupted work can dramatically increase productivity.

3. Replace Scrolling With Growth

Swap negative feeds for positive actions:

• Read books on personal finance
• Watch tutorials on investing
• Start that side hustle you’ve been postponing

4. Curate Your Digital Diet

Unfollow accounts that trigger anxiety or comparison. Follow creators who teach you about money, business, and growth instead.

The Bottom Line

Doomscrolling feels harmless, but it’s a slow drain on your future. Every hour wasted is an hour not spent learning, building, or creating wealth.

Action Step:
Starting today, replace just 30 minutes of scrolling with skill-building or investing knowledge. Do that consistently for one year, and you’ll be miles ahead of where you are now.

Your financial freedom depends on what you feed your mind and where you focus your time. Choose growth over doom.