Not too long ago, I read Allan Bukusi's book 'How to Prosper in Employment', in which he shares his experience at a factory where he worked soon after graduating from college. He met an elderly man, who despite holding a low-cadre job for 17 years, had managed to prosper.
The man lived in his own home and kept dairy cows. He also owned three 40-seater buses. Bukusi, on the other hand, had a new car paid for by a company loan, lived in a rented house in an upmarket estate and owned home appliances acquired through hire purchase.