Blessings Lwazieh

31/03/2026

BON APRÈS-MIDI, GAGNONS AUJOURD’HUI !

26/02/2026

WHY MOST PROFESSIONALS NEVER BECOME RICH
Good morning Malawi and Africa!
This may sound harsh.
But it must be said.
Some of the most educated people in Malawi
Doctors.
Bankers.
Engineers.
Accountants.
Civil servants.
Executives.
Work their entire lives
Yet never become truly wealthy.
Not because they lack intelligence.
But because they follow a professional survival system not a wealth creation system.
I am a Chartered Accountant, Chartered Banker and worked as a Banker and a Senior Executive too.
But what really deters some professionals from becoming rich, tikunenatu kulemera koopsya kuja.
1. HIGH INCOME CREATES FALSE SECURITY
A good salary feels safe.
Bills are paid.
Children go to good schools.
Life looks stable.
So urgency disappears.
But here is the danger:
-Salary comfort delays wealth decisions.
Years pass.
Lifestyle locks in.
Freedom disappears.
2. PROFESSIONALS SELL TIME-NOT OWNERSHIP
Professionals are rewarded for expertise.
But wealth rewards ownership.
You can be highly paid, Yet own nothing producing income.
When work stops,
income stops.
That is not wealth.
That is employment dependency.
The truth is you rarely get filthy rich by selling time? How much can you realistically charge per hour? And how many hours can you do in a day, a week or a month?
Overtimes, locums and trip allowances.
3. STATUS PRESSURE DESTROYS CAPITAL
Malawi has silent social expectations:
So income goes into maintaining image instead of building assets.
Many professionals look successful, ka njale, ti ma holiday, ti ma party something shareable on social media and mma status!
But are financially stretched.
4. PROMOTIONS REPLACE INVESTMENT DISCIPLINE
Instead of asking:
“What asset should I buy this year?”
Professionals ask:
“When is my next promotion?”
Promotion becomes the financial plan.
But promotions increase expenses faster than wealth.
5. FEAR OF BUSINESS AND INVESTMENT
Highly educated people often want certainty.
But wealth lives in calculated risk.
So many avoid:
• Starting businesses
• Buying shares early
• Property investment
• Partnerships
They wait until they feel “ready.”
By then, time has passed.
6. RETIREMENT COMES AS A SHOCK
After 30 years:
Income drops suddenly. Did you know apart from the 50% lump sum on pension your monthly pay or annuity income is about 12.5% of your last salary. To give context I retired 3 years ago what I get now is 5% of what I could have received if I was still working. Inflation really hits pensioners hard.
Lifestyle remains.
Children still depend.
Medical costs rise.
And reality appears:
-Salary was never wealth.
7. THE WEALTHY THINK DIFFERENTLY
Future High Net Worth individuals ask:
• What do I own?
• What earns while I sleep?
• How many income streams exist without me?
They slowly transition from:
Professional → Investor → Owner → Capital Allocator.
THE REAL TRUTH
Education helps you earn.
Ownership helps you escape.
Malawi does not lack educated people.
It lacks asset owners.
MY REFLECTION
Your profession should finance your investments.
Not finance permanent consumption.
Because one day;
Your job will end. You will run out of steam!
But your assets must continue working.
Don’t aim to retire respected only.
Aim to retire financially free.

03/09/2025

Three Pathways to Academic Excellence

1. Consistency in Learning
In technical education, excellence comes from practice and repetition. Whether it’s mastering a programming language, electrical circuits, or hospitality skills, daily engagement makes a huge difference. A student who spends a few minutes every day troubleshooting code, practicing with tools, or reviewing class notes will always have an advantage over one who waits until exam week. Just like in a workshop, consistency sharpens both the mind and the hands.

2. Effective Time Management
Technical college life can be demanding, with practicals, projects, coursework, and sometimes internships running at the same time. The key is learning to plan and prioritize. For example, setting aside time each week to work on assignments bit by bit prevents last-minute pressure. Using planners or digital tools like Google Calendar can help students balance their studies with personal responsibilities. In technical fields, meeting deadlines and working efficiently is not just an academic skill it’s a professional one.

3. Seeking Guidance and Collaboration
No engineer, technician, or IT specialist succeeds alone. Asking questions in class, engaging lecturers for clarification, or forming study groups with peers creates a support system. For example, when electrical students discuss wiring techniques together, or IT students debug programs in teams, they learn faster and solve problems more creatively. In the professional world, collaboration is the backbone of innovation, and building that habit early in college sets students apart.

Final Thought: Academic excellence is not about competing with others, it's all about building skills, discipline, and confidence that will shape your career. Remember excellence is a journey of small, deliberate steps taken every day.

03/09/2025

Nobody tells you this part about coding…

When I first started, I wasn’t chasing money.
I wasn’t chasing a career.
I wasn’t even thinking about “changing my life.”

I just wanted to know how beautiful websites were made.
I just wanted to see the secret behind those designs… and how it all came down to lines of code.

But then something happened.
Something nobody talks about.

I started changing.

Bit by bit, I became more confident.
I became more curious.
I became a boy who dared to try, even when he wasn’t sure how things would turn out.

And that’s when it hit me:
Learning isn’t always about the skill.
Sometimes it’s about who you become in the process.

That’s the hidden gift.
The transformation you don’t see coming.

I haven’t “arrived.”
I’m still learning.
I’m still growing.
But even now, I can feel it:
The becoming is already beautiful.

So if you’re thinking of starting something today… start.
Even if it feels small.
Even if you’re scared.

Because the person you’re becoming will thank you.

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03/09/2025

When you hear "I want someone who can handle my strong personality..." Don't buy it! Just know you are dealing with a stubborn person that deserves to stay single! You don't have to "handle" anyone! 😉 Instead of working on your personality, why do you want someone to "handle" it?

11/04/2025