Rental rates are not 800k per month.

Good points. A related mistake people make, however, is the tendency to upgrade the house you rent as your income increases. This essentially postpones house ownership by reducing the money you can invest and lulling you into a sense of false comfort.

One should aim to move to ownership as soon as possible, even if the house is not of your dreams. Staying in shabby rental, even you when can afford better, is a powerful motivator - especially if you have a 'loving' wife or girlfriend to nag you along.

Si lazima mtu ajenge nyumba. It's a myth. Lakini ni lazima u-invest. And the notion that you'll use that house to upgrade... another myth. Houses take eons to sell. The only option out of golden handcuffs is to build passive income.
If you could "save" 2m, you can continue with whatever you did to create 4 then 6 then 8 then 10... ad Infiniti. And invest it in shares, tbills and bonds with a conservative target of 10%. Anything on top of 10% reinvest. Now tell me if it will not free you from this "own house" golden handcuffs in Ketengela while you work in Westi; then you are transferred to Mombasa, etc etc.

I speak out of experience.I did a flat along Thika road sometimes before the highway was done.Thats was sometimes back in 2009.It was my first project and I was really excited.I use to get offers of land along the highway and the Eastern bypass,that I could readily afford with the money's I was using constructing.Fast forward 2013.The house was done guaranting me passive 250k p.m.but I can assure today I wish I bought land with all the 15m I used.id be worth more than 400m going by the value of the land I dissed those days. I would be doing same house from sales proceeds and believe you me I'd be having four or more flats of what I have now.Any young man shud invest in premium lands and not rush into building.My two cents

whats the need going to Karen when you are 70 years, things will always improve and there is always a better investment opportunity tomorrow.

But remember there is today and if you do not value today, tomorrow will be of no value.

Careful, even those who are married might claim if only they waited a little longer they would have gotten a more beautiful girl.

now you are complaining that you would be worth more than 400m instead of the measly 250k pm, but remember if you are not content with 250k now even if you had 400m you would still be envious of the billions you might have made if only you put up a kihingo.

If you have a plot and 2m build the house, if using 2m will stop you from becoming a multi milionare in future you would never have become.