Wananchi Opinion: Why your rural agemates are doing just fine economically

Many urban dwellers assume that living in the city automatically places them ahead financially and economically.

The access to jobs, exposure, and infrastructure creates an illusion of advantage.

Yet, a closer look reveals a surprising reality: many of your village agemates, despite earning modest and often irregular incomes, are steadily building wealth through disciplined financial habits and practical investments.

This contrast is not accidental. It is rooted in mindset, priorities, and behaviour.
One of the biggest differences lies in spending habits.

Urban life encourages consumption. Rent, transport, eating out, entertainment, and social pressure quickly drain income.

Many city earners live from paycheck to paycheck, not because they earn too little, but because they spend too much on non-essential items.

In contrast, rural agemates tend to live within or even below their means.

Their cost of living is lower, and their lifestyle is less influenced by trends and peer pressure. This allows them to save consistently, even from small incomes.
Another critical factor is their approach to investment. Rural earners may not have sophisticated financial knowledge, but they understand the value of tangible assets.

They invest in land, livestock, farming, and small businesses. These are not glamorous investments, but they are practical and often profitable. A cow produces milk daily.

A piece of land appreciates over time. A small shop generates steady income. These investments are simple, visible, and directly linked to their survival and growth.
Urban dwellers, on the other hand, often delay investing while waiting for big money or perfect opportunities.

Many fall into the trap of lifestyle inflation, where any increase in income is matched by increased spending rather than increased investment.

Some also engage in speculative ventures without proper understanding, leading to losses and discouragement.
Discipline is another area where rural agemates excel. They practice patience and consistency. They are willing to start small and grow gradually. They do not despise humble beginnings.

Whether it is buying one chicken at a time or saving small amounts regularly, they understand that wealth is built over time.

Urban earners, however, often want quick results. This impatience leads to poor financial decisions, including unnecessary debt and impulsive spending.

Social influence also plays a significant role. In rural settings, there is a strong culture of collective responsibility and long-term thinking.

People invest in projects that benefit families and future generations. In cities, the pressure to look successful can be overwhelming.

Many people prioritize appearance over actual financial stability. Expensive clothes, gadgets, and lifestyles are used to signal success, even when finances are weak.

Additionally, rural agemates tend to diversify their income sources, even at a small scale.

Farming, small trade, casual work, and side businesses are common. This reduces dependence on a single source of income and builds resilience.

Many urban earners rely solely on their salary, making them vulnerable to financial shock such as job loss or emergencies.
The lesson here is clear and uncomfortable. Financial success is not determined by location or income level, but by behaviour and choices.

Living in the city does not guarantee progress. In fact, without discipline, it can easily lead to financial stagnation or decline.
It is time for urban dwellers to reflect honestly. Are you saving consistently? Are you investing in assets that generate income? Are your expenses aligned with your financial goals? Or are you trapped in a cycle of earning and spending with nothing to show for it?
There is much to learn from your village agemates. Embrace simplicity. Prioritise investment over consumption.

Start small, but start now. Be patient and consistent. Focus on building real assets, not just maintaining appearances.
If you ignore these lessons, you may continue earning more but progressing less. But if you apply them, you can transform your financial future and finally match or even surpass those you once assumed were behind you.