@flo-ology you seem to have fallen into the reinvestment 'trap.' You spend most of your money reinvesting for some future that is always round the corner. I hope you take some time to enjoy the fruits of your labour. You can spend your whole life preparing for the future, only for your kids to blow it all after all that sacrifice!

And they're complaining
There's an old song by a Kyuk musician can't remember whether Ndicu, Maingi or Rugwiti:

Uria Nii ndikitie kuona indo ciathi tutikaigania
Wagia ngaari ukenda ndege, wagia ndege ukenda meeri

CHORUS
Niatia nii ingika mihang'o inyume?
Njukagira nguku ya mbere
Na thina ndunginyuma!

Riria uraririo ni kiea
Nikuri wina Acre ngiri
Na ukirira thina no ararira
Indo ciathi tutikaigania

Ukiria ngima na cumbi
Nikuri uraria na nguku
Na ukirira thina no ararira
Indo ciathi tutikaigania

Translation

Nishaelewa huwezi tosheka na mali
Ukipata gari, wataka ndege, 'kipata ndege, meli

CHORUS
Nifanyeje niache kuhangaika
Kila siku naamka jimbi la kwanza
Na matatizo hayasiti kuniandama

Uliapo una shamba ndogo
Kunaye ana ekari elfu
Uliapo eti kuna shida pia yualia
Mali haitawahi tosha

Uliapo eti wala sima na chumvi
Mwingine aila na kuku
Uliapo shida pia yualia
Mali haitawahi tosha