Nairobi, Oct. 12 -- Building wealth is often presented as a discipline of postponing gratification. Earn, save, invest, repeat. But as incomes grow and financial goals become more ambitious, another question emerges: how much of today's income should go toward enjoying life?

Joyce Gikonyo, a financial adviser at ICEA LION Group, says enjoyment belongs in a financial plan, but only once the essentials are covered.

Published by HT Digital Content Services with permission from Business Daily....