Tuesday, September 4, 2018

A Lesson we can all Learn from this Matatu Driver

Just came across this inspirational post by Wafula Nangacho and I just had to share with you.



Read to the end and think about it for a minute.

Yesternight as I was headed home from town, I had an exclusive chat with the Matatu Driver. He has been behind the wheels of the 33 seater matatu plying the Nairobi-kahawa sukari route for 3 years now.

Ogero, the 30 year old hails from Nyamira county and ventured into the makanga hustle in 2014 after losing a job at the Nation media Group where he was a driver. He was earning 20k and living in Mathare Slum.

He worked as a makanga for a year before taking over the driver's role after his then driver switched the operation to his own 14-seater matatu which he had acquired through his 5 year savings.

Its the surprise and shock that a driver could save for only 5 years to purchase his own second hand matatu that pushed me deeper into the talk.

Since you were not there as i engaged ogero, lemme break down the modus operandi of the Matatu business.

Averagely, for the matatu plying this route whereby he told me the situation doesn't hold much difference from the other routes around Nairobi. He makes 9 trips a day, making a minimum of Ksh 1600 per trip (The minimum charges being ksh 30 and maximum ksh 70. On average being ksh 50 per passenger per trip)

The owner of the vehicle takes ksh 4500 daily. The Matatu will consume a maximum fuel of ksh 5000 a day. The Sacco takes ksh 400 plus the ksh 200 parking fee.

His total deductions stands approximately at 10k. Having made ksh 15k, he remains with 5k as the floating profit.

After paying his makanga, he remains with not less than 3k at the end of a good day.
Fortunately, Ogero doesn't subscribe to the middle class 'opulence' chimera. He has rented a 1 bedroom apartment in Mwihoko where he pays 8k per month. He lives here with his wife and the 5 year old daughter.

Having saved for the first 2 years, he opened up a small fast foods restaurant next to Kahawa Sukari Mall and bestowed its operation unto his wife.

Maybe due to the nature of his profession and the circle of friends intertwined around him, he doesn't splash his cash at Jikoni's or Kiza lounge every weekend. He has no slay queen who will demand pizza and uber rides almost 3 times a week. He doesn't spend tens of thousands on rent rates because he's comfortable in Mwihoko. He doesn't have the trendy clique to floss with latest outfits and iphones to cope up with them. He doesn't have an Instagram account to always visit CJ's Restaurant so as to 'threaten' his followers with selfies. He has no time to waste chasing politicians for favours.
After sending some 10k to his mother in nyamira and paying school fees for his siblings, Ogero can comfortably save upto Ksh 60K cumulatively from his matatu and small restaurant businesses. How much is that in a smooth running year? What of 2 years? 4 years?

He tipped off of opening a serious big restaurant at Roysambu in 1 year time if all goes well. I wished him well.

As I was alighting at Engen, I felt challenged and small'
After my supper - I'm too poor to take dinner, something crossed my mind.That of a 28 year old bright university first class holders who is probably working at a blue-chip bank or a top-level re-known law firm around. He takes home a net salary of 80k.

Since he has some 'status' in the society, he lives at Genesis Apartments, Roysambu paying ksh 22k for a 1 bedroom. He has a USIU slayqueen who blows out 10k single handedly either directly or indirectly. He must buy another new suit at 7k. His generic fake Patek Phillipe wrist watch got spoiled during a brawl with the slayqueen a fortnight ago, he replaces it at 5k. He settles last months debts from friends, mama mboga using 10k. His mother needs 10k to buy fertilizer, he sends ksh 3,500. He doesn't pick calls from his sister studying at Moi university.
Since Nangacho secured a liason job at the Parliamentary Service Commission and is driving a Toyota Crown Athlete, the boychild secured a loan and acquired a mark X. He was not only deducted 35k to service the loan but also spends at least 25k in fuel, parking fees, service and maintenance

The poor young man didn't know the Athlete Nangacho drives belongs to his boss or rather he has a boutique in moi avenue that services most of his expenditures. He didn't know nangacho is a member of three chamas. He's not aware I live in a 1 bedroom in Rongai paying 10k. What am the only child in a family that resides in Washington and gets monthly stipend from parents. He just wants to beat Nangacho on the status.

On 8th, the young man is back to Mshwari, branch loans to push through the month. By 16th, he's back to the squad borrowing, before applying for advance on 22nd. He has no single investment. He isn't planning for any. No savings. No chama. He's not supporting his mother back home. Doesn't bankroll his siblings' sustenance.

Remember he'll pay for the Mark X for 4 years, till then, the car will be too old and poorly maintained with no resale value. He then dumps it to acquire another one to pay the next 4 years again. That's 8 years in total waste. The slay queen will have dumped him for a broker at Garden Estate. Nothing explains why an educated man will be still single or childless at 32 years than this.
Assuming all factors remain constant, where will Ogero be in 8 years?

In our lives, we all have the Ogeros, be it in class, office or even our apartments, those individuals who don't put on overrated expensive outfits, those who've been using a tecno phantom Z for 4 years now, they just drive a KAX nissan sunny, live in their own House in Juja, but they can comfortably lend you a soft loan of 25k anytime any day you request.

Young men, especially us, the millenials we need to have right priorities and wise choices in these streets. Don't be hoodwinked into buying an iphone 8 plus because your friend got an iphone 8-just to beat him. Don't relocate to Willmary estate just because most of your friends live around Garden Estate whilst your financial muscles are too feeble for that. Don't get a loan to take your girlfriend to Zanzibar because her EX used to take her to Mara.Why Spend Ksh 1.5M to purchase a Subaru which isn't a necessity to you while you can acquire two toyota Beltas using the same amount and register them with taxify and start earning to buy the Subaru in a year's time? Don't be afraid of failure. Start that Kiosk, let it fail, learn. Start a grocery, let it stagger, improve, invest in forex, do farming, commercialize your abilities and talent. You'll finally Succeed.

Cheers.
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