29/07/2026
Two Sundays ago, after church service, one of my church members walked up to me.
He already knew I work in real estate, so after exchanging greetings, he said,
“Kezy, I need your advice.”
I smiled and said, after I go advise you finish u go still later advise yourself 😂😂
We laughed and he said,
“I’ve been saving for a while now, and I think it’s time to build my own house. I’m tired of paying rent.”
I congratulated him first.
Saving enough money to think about building a house is no small achievement.
But then I considered a few things…
He wasn’t married yet.
No children.
Still trying to establish himself financially.
To be honest, I smiled.
Not because it was a bad dream.
Owning your own house is a beautiful achievement.
But timing matters.
So I asked him a simple question.
“If you build this house today, how do you plan to make money with it?”
He thought for a moment before replying,
“but at least I’ll stop paying rent.”
Then I asked him another question.
“After building this house, will you still have enough capital to invest in your business or expand it?”
He said,
“Not really. Almost all my savings will go into the building project.”
That answer told me everything I needed to know.
So I said,
“Then I don’t think building should be your first priority right now.”
“If you tie up all your money in a house you’ll live in, and you have little or nothing left to grow your business, you’ve solved one problem but created another.”
A house gives you shelter.
But for someone still building a career or business, your investments should also give you options.
So I gave him another perspective.
“What if, instead of committing everything to a building project, you bought land in a strategic, developing location, continued investing in your business, and allowed both to grow at the same time
I explained that land in the right location has the potential to appreciate over time.
Meanwhile, a growing business can generate income that helps you build your dream home later without draining every kobo you’ve worked so hard to save.
Please don’t misunderstand me.
There is absolutely nothing wrong with building your own house.
It’s a dream worth pursuing.
But for this young man, who was unmarried, still finding his feet, and whose business needed more capital, I believed there was a smarter sequence.
Build your income.
Build your investments.
Then build your house.
By the end of our conversation, he was quiet abit
He started asking questions about locations with strong growth potential instead.
That conversation reminded me that real estate advice isn’t always about telling people what they want to hear.
Sometimes it’s about helping them make the decision their future self will thank them for.
Sometimes, delaying your dream home isn’t delaying success.
it’s the strategy that makes lasting success possible.
Here at Keema Realty, we don’t just help people buy property. We help them make property decisions that support their long-term financial goals.
Do you agree with the advice I gave him?
If you were in his position, young, unmarried, and still growing your business would you build your dream house first or buy appreciating assets first?
I’d genuinely love to hear your perspective in the comments.
