_1. Never wake up early_
Keep stretching and turning in bed until you get too hungry to continue dozing.
If there are no bedbugs, why hurry to wake up?
Usiamke mapema. Endelea kujinyoosha na kujigeuza kitandani mpaka usikie njaa kali ambayo itakufanya ushindwe kulala.
2. Never plan how to spend your money.
Whenever you get money, start spending it right away and when it finished try to count and recall how you spend it.
Usipangie jinsi ya kutumia pesa zako.
Kila unapopata pesa anza kuzitumia papo hapo na zikiisha jaribu kuhesabu na kujikumbusha ulizitumia vipi.
(My take: Hapa nadhani ingekuwa ..."na zikiisha usijaribu kuzihesabu wala kujikumbusha ulizitumia vipi".
3. Don’t thank of saving until you have real big money.
How can you save when you earn so little? Those telling you to save are not sympathetic to your burning needs.
Usifikirie kuzilimbikiza (sevu) mpaka uwe na pesa nyingi.
Utawezaje kulimbikiza vipesa vidogo unavyojiingizia? Wale wanaokwambia ujilimbikizie hawakuonei huruma kwa mahitaji yako muhimu.
4. Don’t engage in activities usually reserved for the “uneducated”.
How can you a graduate, engage in pretty trade or home-based production? That is for people who never went to school.
5. Don’t think of starting a business until an angel comes from heaven and gives you capital.
How do they expect you to invest before you get millions of shillings? Even though more than half the businesses in your town were started with few hundred shillings, you as a smart person can only start with millions.
6. Complain about everything except your own attitude.
Blame the system, the government and the banks that refuse to lend you money. They are all bad and do not want you to get rich.
7. Spend more money than you earn.
To achieve this, buy products in credits and keep borrowing from friends and employer.
8. Compete in dressing.
Make sure you wear the latest clothes among all workers or students in your office /college. Whenever your neighbor buys a new phone, get one that is more expensive.
9. Get yourself a nice second –hand car that costs more than three times your gross monthly pay.
That will surely keep you in debt long enough to hinder the implementation of any bad plans that could make you accumulate capital.
10. Give your children everything they ask for since you are such a loving parent.
They should not struggle for anything because you don’t want them to suffer that way, they will grow up lazy and hence poor enough they cannot help you in old age.
If you diligently implement these.
RAIS2020.