Editor,This is with reference to Robert Bake Tumuhaise’s column, "How to achieve financial freedom”, published in the Sunday Times of August 25.I first of all thank the author for this good article. People have always talked about how to save their incomes (more especially salary earners) but this is really very hard. Most of the salary earners just solve about only 30% of their basic problems because their incomes are insufficient. Therefore, an increase in their incomes will be subject to the unsolved and emergency problems to be solved.Due to the fact that we need to live a good life, we have to invest in profitable businesses and the best way to do it is through debt financing. If we carefully go for debt financing and invest in our passionate profitable business we will make some profits hence using the insufficient salaries to service the loans we had acquired and continue to have our persistent family problems.The problem we have is to fear going for loans because we use them on unplanned activities and it results into creating more problems for us. Saving needs to be smart in spending on what we planned and to minimise our daily expenditures and to invest our loans wisely. Wish you profitable investments.Geoffrey, Kigali*******************Positively speaking; this article would have been informative if written in the English of your audience or what I call "the local phraseology of English”.Secondly, while it probably makes sense to cut down expenditure on many luxuries until we can afford them, you give no guidance on how to tell when we attain "financial freedom” to be able to be luxurious.Surely you and I need luxury and we need it now because the future is now. Remember, "If you don’t fly business class when you can, then your heir will”.Zamu Isma, Kigali