The Truth About Diaspora Wealth: Are They Really Making A lot Of Money?
Vložit
- čas přidán 11. 09. 2024
- After many years in the diaspora and starting to think of retirement back home ,we ,(my wife and I) started to brainstorm different ideas.
We settled on free range organic chicken farming! 🥚🐣🐓😍. We will also grow organic vegetables.
We have lived in the United Kingdom for just over 20 years with our five children who were all home educated.
While living in the U.K we became very aware of food standards because food was not the same as what we had left behind.
Very early on we started buying organic food and wild fish. We would like to continue on this path of healthy eating and growing our own food.
The chickens will be pasture raised. We are implementing a permaculture farming method.
We will also be using the regenerative agriculture approach to help the soils get all the necessary nutrients.
We bought the land which had lots of gum trees which took a lot of nutrients out of the soil. We need to add these back using the regenerative agriculture approach.
We will use this platform to share information we learn along the way.
There was a pond on the farm which has dried out but we need to revive it as part of permaculture farming.
What is regenerative agriculture?
Soil health and the regeneration of topsoil (the surface layer of soil) are the main priorities of regenerative agriculture. Going well beyond organic farming, regenerative agriculture is a system of agricultural practices and principles that increases ecosystem health, improving nutrients in foods, which almost become a by-product of the planet’s restoration. Soil Heroes
What is permaculture?
It involves taking care of the earth and working with it. We will be using systems like rain capture and solar systems. Trying to be off grid as much as possible.
The way I overcome this is by living a minimal lifestyle in the UK. I drive a 2007 Honda Accord that I bought with cash, I don't go clubbing, I don't date in UK, e.t.c That has allowed me to keep almost 40% of my income which I use to invest in Africa.
Excellent, thats the way forward. You will be successful :)
You are very smart
If u don't mind me asking, how do u invest exactly? Real estate? Stocks? Projects?
We are in this together.
That’s what we need! Good man! Ppl love to show too much
This is one of your greatest video . The truth about life UK, which I did know before I came to UK
Thanks for the feedback :)
True when you say , working to live here. I'm actually stuck ,cant even save for a flight ticket every year. Most cannot afford to go back home every year. I almost got admitted to a mental institution in 2023,was depressed + +. Right now saving for 2 years to go back home.
@@rbee2062 I resonate with you my friend, keep pushing and don't give up everything has it's time.. good luck
Hope you get the money you need soon.
Hope you make it back home eventually.
All will be well ,we just have to push ,but the truth we struggling in UK.
What country are you trying to fly back to fella?
Real talk man most people in europe/america are just surviving and are in alot of debt thats keeping them in the cycle of working and paying more taxes and getting more debt
Same with Australia and New Zealand. You pay more in bills and taxes😢.
@@mimmyspecial its all a scam to keep you working killing yourself and paying more in taxes that only benefits the government and corporations
You have missed three things:
1. Time
2. Visa
3. Formal entry into the system.
1. Time - how long and what visa do you arrive with? A holiday visa and working means you are playing cat and mouse with employers and immigration and you are usually earning less.
2. Student visa means 2-4 years of paying the system for uni fees before formally moving into the system
3. It usually takes 3-7 years in Australia to get Permanent Residency and that is when life and income start moving in the right direction.
Without PR you cannot access the system. So time plays a part because if you arrive at 25/35 and it takes 3-5 years to get PR you may only start enraging the formal financial system in your 30’s to 40’s
👏🏾👏🏾👏🏾 Very good points, thanks for sharing.
This one right here is a great man who should be invited to men's conferences.
😀
100% true you really need to live frugally otherwise it will be a never ending cycle of debt.
Indeed
You paying to just to live there, i like that phrase mate.
😀
Guy’s everywhere in the world the “average” are just paying to live. The question is what does “just living” look like.
Just living is very bad.
@@ruwaorganic I wholeheartedly agree, “just living” is very bad.
The question being asked of you and your audience is not on the merits of “just living”.
The question is, if someone, an average Joe or Sally in Zimbabwe says I am just living, what do they mean in terms of their daily struggles, aspirations and self worth? If an average 30 year old person in Zimbabwe, specifically in Harare, says I am “just living” what can I expect them to show for their life?
I fear we always get lost in the weeds, when we try to compare life in the motherland and the diaspora. It’s the classical case of “1st world life struggles versus 3rd world life struggles.
We overlook the emotional, mental, physical and spiritual trauma of relocating. We lose so much appreciation for the struggle that is life in the diaspora. It is brutal going to the diaspora. Kusina amai hakuendwe, to buy your first mattress again, first pot again first car again.
Yet having gone through all this trauma, one still finds themselves going from shift to shift trying to help a sister, a brother, a nephew come to the diaspora. How many have gone through the experience of looking at a family in Zimbabwe and saying “dai pangoita one zvake anobuda”. The forces that have driven so many to the diaspora have not disappeared.
I hope with the perspective and experience you have of both worlds you may be able to shed more light on “what does just living look like” in Zimbabwe versus the Uk or diaspora at large.
Well said 🎉
Spot on! You can say that again. The average are all just living hand to mouth!
I resonate with your point of view. Unless you get these big consulting gigs or investment jobs people generally do entry-level jobs.
To be fair, no one can succeed much without patience when employed in entry-level jobs. You can either be frugal or overly exert yourself to earn better. In short, there is no free lunch in the diaspora
Spot on. Although council tax hovers around £180. To give context, £33k is a Band 5 nurse in NHS, Assistant Accountant HR Officer are within that range as well.
People back home calculate our pays in african currency but forget we don't live in Africa, what we make goes back in to the system, lets keep investing where we can back home, land mostly
👏🏾👏🏾👏🏾
That's why you gotta live as African as possible in the UK like work and live on the street
@ZaharaImole u can't live on the street when it's snowing in winter my guy,we africans are not built for that
@@africaninvestor7032 oh wow I feel ya I ain't built like that either lol do they have shelters in the UK
Excellent! Thanks for bringing this to light.
My pleasure!
This is why the ones who stayed at home are far ahead of the ones in UK.
That salary passes through your account. Direct debits waiting
I agree with you. People get upset when I say that. The next 20 years is going to be very interesting when people start going into retirement.
@@sitekrafterand you don’t invest because?… the west is not set up for people to take money out. It’s set up for people to work 40 or more years, you invest along the way, inherit some wealth and keep the system going. It’s not for people,to come over for 10, 20 years make a fortune and leave. That wouldn’t make a good economy now would it 😂😂😂
Don’t forget to add the number of deaths happening due to over working and the amount of stress that come with it including the number of Africans going to mental health hospitals
Thats a very good point, thanks for that.
The salaries are pathetic...thanks bro for telling people the truth...before the Era of social media people in the UK used to " act rich " they never wanted people back home in Africa to know the struggles they go through...😂 that's why many people wanted and still want to go abroad...
Thats true 😂
Rentals in London are astronomical, £1000 rent will get one a room in a shared house. Whilst wages are significantly higher around greater London, you're paying significantly more for services and everything else.
Having said that, some of us are packing up and will be returning to Zimbabwe. My opinion is that quality of life - especially peace of mind, is far better in Zimbabwe than UK.
On quality of life....thats not an opinion. Its a FACT! You coudn`t compare the two!
@ogee7 kkkkk, sorry I missed you there, you mean Zim quality better?
It's called "golden handcuffs", bro. UK unenge uri musungwa asi uri in a posh prison with visitation rights and spaghetti and bolognese...u don't realise kuti u are enslaved 😅😂
@@Boomslang1....Zim is better than the UK.
😂😂😂
Very informative , but think it still make sense to go to the UK coz the difference in lifestyle is just too much bro. U talked of things like exposure, car finance, mortagages, holidaying etc , if u spend your money on those its fair , But an average Zimbabwean back home just pays rent and buy groceries, fees at a government xool and all the money is finished. In Zim many get to retirement wothout even having a drivers license 😢, without ever getting a mortage. Many after retiring they go and stay kumusha.
For those who sell houses to go to UK i believe they will be going for better jobs maybe with family visas, it would be so stupid to sell a house before you know much about where you are going .
Ukatadza kubhadhara TV licence kana council tax unosumgwa and probably go to o prison.
Ukafamba nemota isina insurance kana toad tax unosumgwa a probably go to prison.
Inonzi capitalism, ukatadza kubhadhara mortgage unopihwa bad credit score votora imba.
Capitalism inotora mari yako yese. Vanotoda kuti munhu wese aite mota kuti so they can create a money pit for you.
Affluent whites here live in the countryside, very peaceful rural England!
I understand exposure too ,paying for lifestyle so that you experience it ,then come back home to relax and retire
Couples working towards a goal togetha can make a good progress 2400 x2
But panoda vanoziva chavakafambira and remain with focus
Thats true, only if you make wise financial decisions.
They can earn more n spend more which will bring you down to what the brother there just said.Zvakuda vane musoro but 80% of zimbo here UK ndana ndiwonei from finance cars,mortgages,eating out every wkend n clothes hatichatawura.
Chokwadi chamatawura akoma alot ndochavasingade kunzwa wait n see muma comments vachati wowuya hawo 😂😂.Hanzi ndisu tikurira car finance,ma label 🏷, holidays u name it vandiwone but the honest truth that fake lifestyle caught up with you now or later.
@@shadreckchinhengo ipapo truuuuu
But vaisa musoro pamwe can achieve
Kwete, ndiani anosara nevana?
Vana vanodhura kupfuura pay yako uye unenge wakuda imba yakakura.
Chikafu chakawanda eye zvinoda vana zvakawanda.
Some sacrifice their kids for money, vanosiya vana kumba kana kuti havazvare.
Bottom line is hapana munhu anoita mari mu UK. Inyika yenhamo yakavanda nevashandi
Eye opening and insightful discussion. Your videos never disappoint.
Thank you :)
Very good video, thank you. I love it when people talk about their life experiences.
Thank you
Very informative video sir but what we shouldnt forget about when comparing our african countries to the European ones are the opportunities that they offer. With the current state in our countries, there are many skilled but unemployed people.. Even getting the so called 'minimum wage' (which do not exist in Africa) is a hustle. However in European countries such opportunities are readily available. At least you have something going on and expect something every month. In africa you will try and try until you believe that your village people have succeeded 😂😂. In a nutshell the european countries have easily accessible opportunities that you struggle to have in Africa
Yes
Don't forget a family of 5 who came to uk needs money to renew their visas for indefinite leave to remain they need 15,000.Its implosion to save this money
Thats true, thanks for sharing :)
Real talk you ever know what have until lost it i am living everything he said is true pay bills my you sick
Life in the Uk is hard,thank God wedidnt sell our homes in Zim coz ill be retiring back home
Wise decision.
Success is a mindset.
Thats true
It doesn't matter how much money you make but how much you keep. If you always upgrade each time you have more money you still gonna be broke irrespective of where you live, even in Africa. With £2300 in the UK, if you pay yourself first and invest wisely whilst delaying gratification with a set goal, you can still make a lot of money in years to come. Patience and discipline are the key to success wherever you are. You can stii make a lot of money wherever you are even in Africa where there are so many opportunities. You just have to look for a problem and solve it.
I earn not far from that £2.4k after paying all bills and am always left with around ISH £300 to push me the rest of the month😢
He who feels it knows it
Haaa bro did a good breakdown of facts. Thanks for waking some of us up bro. What business did you do online?? Help😢
You're welcome. Content creation, course creation and affiliate marketing
I would use public transport instead of owning a car😂
It depends on where your job is. Some jobs are in remote areas where it's not always possible to use public transport so a car is a necessity.
Very true my guy...that's an eye opener 😜
Thanks
The key is to decide whether you are staying in the UK permanently or you are going back to Africa right at the beginning, you can't live a lavish lifestyle in the UK just like the white people and still expect to have money left over to invest in Africa at the same time, unless you are doing some dodgy stuff 😊
I agree with you 100%
You can if you're in the right profession
Well how do you think the white people get the money 😂😂😂😂😂
Yes this is the truth.
Whilst there's a lot of truth in what you shared, I think you should have discussed other situations where it's a 2 income household. That can be a game changer in terms of disposable income and goals can be achieved in a much shorter period!
What I've seen is most people who have that extra borrow more because their credit rating improves. In the end they upgrade their lifestyle, send children to better schools.
There is very little money left after that.
Look at the cars and holidays that zimbos go to.
Cruise ship does the job for me..$3800 to take home . No tax
Really appreciate your content bro
Is not what u work it what u save
Well said thank you brother
You're welcome.
That's why people never come back home once in UK
Well put Bro, thanks 🤝
No problem 👍
Bro. As long it's an average salary that's basically how life is going to be everywhere else.
I appreciate the analysis. However, it seems one sided more on the UK side. If you could also breakdown the Zim USD 600 average Zim salary and deduct taxes and rentals, costs etc, this would give a more balanced view.
Its because I spent most of my life there. I've just been in Zim for about 2 years.
A comparison would likely provide the same outcome, living in the negative bank balance, however, as was presented in the video, one has to decide whether they want to pay to live in the UK or elsewhere or to pay to live at home in familiar social groups.
No way! 😂 $USD 250 IS THE AVERAGE SALARY IN ZIM. 600 WHAT!
@@Zie2k So true
Comments are speaking louder than the video
Thanks for the info bro
,'paying to live there ,is most cases
FUNNY ENOUGH GHANAIANS ALSO THINK THE SAME WAY AS ZIMBABWEAN
Really? 😂😂😂
Its pretty much right and 2400 is a salary most jobs are 0 hours contracts which means you only make between 1200-1400 a month. If you take on extra jobs its also extra tax.
Yep, you are correct. The cycle is crazy!
What happens in uk is that in a family, both parents have to work to live.
In the 70s only the father had to work while the mother stayed at home looking after the kids and home.
So, the progress in 50 years the working man in uk is worse off and the quality of life is not as good.
My wife is from Zim and we often think life there is better despite the economy.
My wife has been a stay at home mum and home educating our 5 children for the bulk of our stay in the U.K. She would chip in here and there in the family business especially when we started off.
thank you
You're welcome
Water bill £30? If you're metered? £500 food? Is this a family of 3? Car insurance £200 per month? What are you talking about here?
These are avarages. I cannot speak for everyone's situation, I hope you understand that. Even the salary I use there, majority dont even get £2,400 take home. So I am talking about avarages!
I think it's a personal choice, but the average salary in Zim is between $150-300 (civil servant) so the majority struggle to survive and make a decent living in Zim. This is what pushes many to seek greener pastures abroad. However, that said most married couples manage UK life by combining their incomes which is a gross of +4000. For single people the costs a far less and are able to save more.
It works if you dont have children. The moment you add kids in the picture the expenses increase.
Please,u left out money u will send home to your mother
You are calculating with one income though, me and my partner earn about the average each in a european country and have a better life style than you would describe in terms of holidays eating out etc. Not that we are rich (obviously), but we don't have to worry about things falling apart each month either.
What other food are you talking about? The kind of food were you call someone and they meet you around the corner? Usually on a bike?
Diaspora life is a scam😢 more wrk hrs.facebook deceive us.all money eaten by tax. man you hv much experience of life... with all these costs and somebody is trapped in mortagage.people borrow to spend then come back in debt to payback😢.
Bro nice videos But your safety first bcoz roadside pull outs can be unsafe bcoz of some crazy driving there
What Mic do you use for your videos? they are really clear.
Vanhu vakupara nguruve mu UK....and ikozvino vakupwanya ma shops kunge ku South Africa.
Mate you left out sky sports package for all those football loving fans or the price of a pint for those that prefer to watch footy at the pub. And if you smoke forget the 2 dollar packet of cigarettes you are smoking rollies to afford the habit
Thank you so much, you're so right 😂
Thanks bro for highlighting this. You however did not bring out the issue of pension. Consider an average guy working till retirement in Zim and average guy working till retirement in UK. Lets assume that they both will choose to be staying in Zim after retiring. In Zim there is no pension and its hard to save as well for retirement. The guy who retired in UK should be able to receive a fairly descent pension to look after him till death.
So i think for an average guy its better to be in the UK. Exposure, Improved quality of life, accesse to health care, holidays even though on credit but its better, pension. The average guy in Zim cant even afford to go for Holiday kumusha kwake kwa Honde kunoita usd10 busfare 😂😂😂
Chasara kutenga ka van woisa bed kusure and live in your camper uchigeza mugym the whole summer then only rent a room in winter 😂
KKKKKKKKKKK
😂😅
What do you mean you're not just talking about food to eat?
Are you sure about the $600 average salary in Zim??
But otherwise, good advice in there for those considering to relocate
If you are living as a couple it means the other income goes to savings. That money if converted into USD which weaker that pound, you can do a lot Zimbabwe.
That's true only if you live your life with those goals.
It's better to work on a single salary. For your information many of the marriages made in Zimbabwe fail in the UK because of how family finances are used.
@@christophermuzavazi147I noticed marriages of Zim citizens are failing. Why can't couples just agree on one thing and work together as a family. After all the whole purpose of working hard is to make your family happy.
Ndeyani inoenda kuma savings 😂😂. Sekuru vangu vakarohwa netsvimbo muromo vakarara nemukadzi wavo....nenyaya dzemari idzodzi. Shasha hamuchina chinhu mumuromo, dzakagara zvadzo kumusha hadzina chinhu. Mukadzi akasara UK nesvimurungu.
😂😂😂@@achisare
The Average salary in Zimbabwe is $600 per month? I doubt
But people came from diaspora with a lot of money which makes us to like to go to 🇬🇧
Credit card.
True 😂
@@ruwaorganicexplain
Explain I don't clearly understand your sentences
💯
Nothing makes me happier than the broke and hopeless folks complaining….🤣🤣
£500 is everything including food and bills....
Ok
Uk and US salaries are pathetic
Depends on your profession
@cleodontina1 my sample is a chartered accountant, a registered member of the bar (lawyer), an engineer (used to work for Blue Ribbon Foods in Zim), an actuary (a Zim guy, had to leave for Nigeria) and an epidemiologist. Some of these guys I work with them: story is the same. Low salaries and high cost of living, esp in London
Question: What is the maximum age for one to consider mjgrating to UK or anywhere else? On this paying just to live there issue isn't it common/ everywhere even here in Zimbabwe? Finally, i really want to know if one has a well paying job and you have a PR how does one come back to Zim/ Africa with nothing? Is it because of being stuck in low oaying jobs and not progressing, or there are no real opportunities for career and personal growth besides exposure to things that are not in Zimbabwe? Can't one take advantage of those finance and mortgage opportunities to better yourself financially instead of just remaining in consumer debt?
They live beyond their means
Only way to build wealth in Diaspora is being a single male living at ur mums or Dual income where 1 income pays all bills, 1 income to build wealth. Both mean no time or money for kids / family lol. Pick ur poison. But it's better to do those for 2-5 years to build ur foundation before you decide to have kids / family so 1 person stays home.
My brother,to some extent what you are saying is true but I beg to differ, I have testimonies that can shock you with people who earn over £3k a month in the UK, who are building houses and doing business in Zimbabwe. Don't speak for everyone, people have different stories.
@@nyasmushava he is talking about averages and most people in general, but you are right some people earn alot more than the average and still living a very frugal lifestyle hence can be able to do big projects back in Africa..
Watch the video before you comment.
@@MohamedAli-kl6js Thank you for clarifying for him.
@nyasmushava.....those average pple earning over £3k a month overwork themselves eg nurses working for agencies make a lot of money but they dont have sick pay, pension and they pay for accountants who calculates their taxes annually. Most ppl here are surviving on loans and credit cards. Couples that work together have an advantage.....that however is very rare!
@@ogee7 Thanks for sharing this information.
Car loan payment is excluded.
Yeah car is a want and not a need
Where is the world do you live without paying bills. Bills are not paid in diaspora alone, even back home bills are paid with little people earn. Furthermore, the video is not accurate. If you are single, you save way more than that because rentals will be at most 500 including bills for a room. As a family, one salary covers everything leaving you with the other salary as savings.
Average salary in Zimbabwe is $250, or at least majority in Zimbabwe make $250 to $300
Depending how n salary alone dosent work that’s why you find that in the west majority have serious loans and credit cards while here in Zimbabwe people do a lot of deals and stealing.
The $600 average in Zim was 10 years ago when there were plenty of USD circulating. Back then I'd withdraw $3,000 from the ATM and it was nothing spectacular. Nowadays $600 to most Zimbos is a fortune
@@ruwaorganic They also resort to overcharging $300 import gets sold for $550
@@zobenta3 Things were better back then now you can feel the difference between being middle income and poor.
You stay in zim
You are very right bro how can I get in touch with you
Kkkkk haaa life is rough wena
True 😂
kuZimbabwe kwacho hakutorina basa rinokupa £2200 yacho iyoyo yamuri kutomboshanda nayo😂😂😂..Someone who has never been in Zimbabwe from 2013-2023 cant tell you not to go to diaspora… Most of the returnees have had about 10 years or more in the diaspora and have never experienced how life paZim kuoma kwayo.. You just want to get off that country
You got opportunity if you works in diaspora the thing is people don't invest home
The video made it clear that the £2 400 is quickly eroded to 0. His intention is to highlight the desert beyond the mirage of green pastures. He's not discouraging anyone to explore. Life abroad may seem lucrative but it is quite evident that the majority of diasporians either do not return or return with nothing but a foreign accent.
@@cshanga9406 you ca still save sir it depends on how use money my opinion i don't worry about the video saying
An average single income won't make you rich, but what if your partner also works? Even if it's part-time.
The fact that you can afford to rent an apartment and own a car on an average salary is a blessing.
I used to live and work in a country where the average salary was not enough to rent a crappy one-bedroom apartment even if you paid 100% of your salary for it.
So I guess it depends where you are coming from.
You can’t make it in the UK. People are better off staying in their country and improving it.
What about married couples earning 35k each.
Unless they're frugal its the same. Most upgrade their lifestyle and take on too many loans and credit cards.
The 35I is generous. Band 5 nurses earn about 28K. To make ends meet most people look for a second job. This is now most meet their obligations at home. This leaves you with no time to live.
Using the average salary probably is wrong, considering that Zimbabweans tend to earn a bit more in the diaspora based on our vocations.
I'm based in Australia and there is a survey which was done in 2013 and Zimbabweans were ranked 1st or 2nd among the highest earning average of all foreigners.
I call it voluntary slavery .
Todii nyika dzedu you can't even get clean drinking water . Kuzoti cholera aaaah .
Then wait for elections ummm
Let me stop ndikatoita ka mental episode 😊
I make £33k and live just outside of London. Look after 2 parents, wife and kid. It is peanuts after all my outgoings.
Thank you for sharing this. Sometimes people think this can never happen.
Hello Mr. Ruwa I just stambled on your this video and feel i want to have a personal chat with you sir .... please if it will be possible kindly let me have a platform to facilitate that ... like an email or any other handle
My email address is mak@creativeastro.com