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If you look around, some students in colleges and universities have more expensive smart phones than even top corporate managers.

Why don't you invest when there are options in the market and earn real return as you grow and mature, while doing your normal job. If you can afford a smart phone, you can invest and become a millionaire.

Being a millionaire is not a club for the rich. When you start while in your early 20s, for example, with as little as Sh10,000, you will be a millionaire before you are 35 years.

Just the right choice and you will be a force to behold very soon. Money is there only being spent the wrong way.

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