I · Retirement
EssentialThe retirement Zambians never plan for
12 min readRead →
For Ages 25+
Read it.
Run the numbers.
Build wealth.
Long-form articles, a no-nonsense toolkit, and disciplined money challenges for adult Zambians who want to take their finances seriously — without the hype.
Articles
Editorial reading, by chapter.
Long-form essays on the decisions that matter — retirement, property, tax, investing — written in plain English.
Toolkit
The instruments we use ourselves.
Calculators, templates and checklists for the calculations that decide a decade. Download, customise, keep.
Open the toolkit →Challenges
Discipline, dressed as a challenge.
Multi-week commitments designed for adult cashflows. Quiet, structured, and built to change a habit for good.
30 days
Audit your subscriptions
List every recurring debit. Cancel the dead weight. Redirect the kwacha into savings.
90 days
Build a 1-month emergency fund
Automate a transfer the day your salary lands. By quarter-end, one month of expenses sits untouched.
12 months
Max your pension top-up
Raise your private pension contribution by 1% each month. Future-you will write a thank-you note.
Money dictionary
The terms, defined without the suit and tie.
Words your banker, your accountant, and your pension statement assume you already know. Here they are, in plain English.
- NAPSA
- The mandatory national pension scheme. A foundation — not a full retirement plan on its own.
- PAYE
- Income tax deducted at source by your employer and remitted to ZRA each month.
- Capital gains
- The gain when you sell an asset — property, shares — for more than you paid. Often taxable.
- Diversification
- Spreading money across asset classes and geographies so one bad year doesn't undo a decade.
- Liquidity
- How quickly an asset can be sold without losing value. Cash is liquid; a plot in Kafue is not.
- Estate
- All your assets and liabilities at death. A will decides where it goes — without one, the state does.
01
State pension floor
02
Pay as you earn
03
Profit on a sale
04
Don't bet on one horse
05
How fast to cash
06
Everything you leave behind
When the stakes deserve it
Some decisions need a human.
For buying property, planning retirement, or building a will — book a private session with a vetted Zambian advisor.