Kenya's pursuit of financial freedom is hindered not by low income, but by a culture of impressing others, leading to debt and financial anxiety instead of wealth creation.

• The article highlights a trend of individuals accumulating debt to finance lifestyles and appearances rather than productive investments.
• Marathon Group is mentioned for its new causal credit engine that analyzes borrower behavior beyond traditional credit scoring.
• The core message advocates for cultivating financial intelligence and debt intelligence as crucial life skills for sustainable prosperity.