live where u want but at least save 10 % of ur gross salary then, invest 10% of the gross. That way even u squander the rest then u are ok even 4 all years.

Get a one bedroom house first. After you furnish it - bed, mattress, curtains, sofa, gas burner, microwave, telly, hi-fi, fridge, dvd, tv stand ndio utajua 100k is peanuts and your choice of where to live does not include westi, kile etc without spending all your money on rent.

Not sure there is a right answer for this but I think you should ponder on:

i)where you want to be financially in 1,2,5,10...X years.
ii) To what extent is your choice personal or is it "peer pressure".

More or less the same advice that some guys here have offered.

I believe the same applies to deciding on what kind of car (if any to purchase). I recall being the odd guy in office because I was rising rapidly through the ranks (and earning what many would say is good cash) yet I was still riding matatus. My juniors were zooming past me in their cars as I hoofed my way at the office gates and my first stop would be to the washrooms to wipe the shoes. I also limited my entertainment severely. Reason: I wanted to secure a plot and start constructing my house within 3 years. I would not budge until I had the plot secured and construction in progress.

I eventually bought a car that I am sure many people would regard to be beneath me but it can move from point A to B and I am on track on the financial goals that I consider more important.

In the final analysis, your life is yours and yours alone. What other people think/would do is of secondary importance at most - I suspect it's of no importance at all.