INSTANT DELIVERY VIA WHATSAPP ZMW-BASED — BUILT FOR ZAMBIA 7 CHAPTERS + WORKSHEETS + FORMULAS START WITH K1. BUILD FROM THERE. INSTANT DELIVERY VIA WHATSAPP ZMW-BASED — BUILT FOR ZAMBIA 7 CHAPTERS + WORKSHEETS + FORMULAS START WITH K1. BUILD FROM THERE.
CHUMA WEALTH SYSTEM

A Financial Resilience Guide for Zambia

The 90-Day
Survival Plan

Could you survive 90 days if you lost your job tomorrow?
This guide shows you exactly how to build a financial safety net — starting with whatever you have right now.

Order on WhatsApp — K49

📲 Instant delivery · Pay & receive your copy in minutes

Chuma Wealth System
90
Day Survival Plan
Could You Survive 90 Days If You Lost Your Job Tomorrow?
A Practical ZMW-Based Guide
to Financial Resilience
7 Chapters + Appendix
Fill-in Worksheets
FTD Ladder Framework
ZMW Examples
Chuma Wealth
🔥 Launch Price: K49 only — Regular price K149 · Limited time offer

Most Zambians are one payslip
away from crisis.
Are you?

Not because they're irresponsible. Because nobody ever gave them a system. The 90-Day Survival Plan changes that — with a practical, ZMW-based framework anyone can start, even with K1.

😰
No emergency fund You'd have to borrow from family by week 3 if your income stopped today.
📉
Living pay-cheque to pay-cheque Every month starts fresh. There's nothing left to save — or so it feels.
🔒
Stuck in bad situations You can't leave the wrong job, the wrong deal, the wrong situation — because you have no buffer.
😔
No negotiating power Desperation kills leverage. Without a survival fund, you accept whatever you're offered.
90
Days of freedom
you're building toward
K1
All it takes
to begin today
7
Step system +
worksheets included

What you'll learn

A complete system for
financial resilience

01 ·
Calculate Your Survival Number
Know exactly how much you need for 90 days of bare survival — rent, food, transport, utilities. No guessing. Real ZMW numbers.
02 ·
The Two-Lane Growth Model
Run two engines simultaneously: your income (Lane 1) and your FTD Ladder (Lane 2). Even small deposits build momentum fast.
03 ·
The 3-Bucket Allocation System
Every kwacha that comes in gets split: 60–80% living, 10–20% survival fund, 10–20% FTD/growth. Works on any income level.
04 ·
FTD Ladder Architecture
Structure your fund in two layers — instant cash (Layer 1) and rolling short-tenor FTDs (Layer 2). Always liquid, always earning.
05 ·
The 3 Acceleration Levers
Cut one expense. Add one income stream. Lock away every windfall. Three moves that can shave months off your timeline.
06 ·
Life Beyond 90 Days
Once your buffer is built, the same system pivots to wealth: longer-tenor FTDs, the Chuma Wealth Ladder, and passive income targets.

Inside the ebook

Every chapter. Every tool.
No filler.

INTRO
The Question That Changes Everything
Why 90 days is the minimum, who this is for, and the Chuma philosophy
✓
CH. 01
Know Your Survival Number
Worked budget table + the Freedom Formula (Days of Freedom = Savings ÷ Daily Rate)
✓
CH. 02
Start From Where You Are — Even K1
SFC tiers by income level + the psychology of starting small
✓
CH. 03
The Two-Lane Growth Model
Income Engine + FTD Stability Engine working in parallel
✓
CH. 04
Structure Your Survival Fund
Two-layer architecture with laddering mechanics explained step by step
✓
CH. 05
The Build Strategy
Three-bucket allocation + how to handle irregular income
✓
CH. 06
Accelerating Your 90 Days
The three levers: expense cuts, side income, and windfall capture rules
✓
CH. 07
Life After 90 Days
The pivot to wealth + the 5-Level Chuma Financial Freedom Ladder
✓
APPENDIX
Worksheets, Tools & Key Formulas
Fill-in Survival Calculator, Freedom Formula tracker, signed commitment page
✓

What readers say

Real people. Real results.

★★★★★

"I never thought about a survival number before. Once I calculated mine — K15,000 — everything clicked. I've already saved K4,200. That's 8 days of freedom I didn't have last month."

Mutale C.
ACCOUNTS OFFICER · LUSAKA
★★★★★

"The two-lane model is exactly what I needed to hear. My FTD ladder is small right now, but the habit is there. This book gave me a system, not just advice."

Bwalya N.
SMALL BUSINESS OWNER · NDOLA
★★★★★

"I lost my job in January. Because I had built 45 days of savings from this system, I wasn't desperate. I took my time, negotiated well, and landed something better. This book is real."

Grace M.
MARKETING PROFESSIONAL · KITWE

Get the ebook

One decision.
90 days of freedom.

LAUNCH PRICE
The 90-Day Survival Plan
Complete Digital Ebook +
Worksheets & Formulas
K
49
Regular price: K149
  • ✓
    Complete 90-Day Survival Plan ebook — 7 chapters, introduction, conclusion
  • ✓
    Fillable worksheets — Survival Number Calculator, Freedom Formula Tracker
  • ✓
    Quick-reference formula sheet — all key calculations in one place
  • ✓
    ZMW-based examples — built specifically for the Zambian market
  • ✓
    Instant WhatsApp delivery — receive your copy within minutes of payment
Send K49 via WhatsApp
💬 Message us → confirm payment → receive ebook instantly
🛡️
Our Simple Promise

If you read this ebook and genuinely feel you didn't get a clear, actionable system for building your 90-day survival fund, message us on WhatsApp within 7 days and we will make it right. No complicated process. Just a message.

Questions

Frequently asked

How do I receive the ebook after payment? ▾
After you send your payment, WhatsApp us your proof of payment. We'll send your ebook as a PDF directly to your WhatsApp within minutes. No accounts, no apps — just a file in your chat.
What if I'm on a very tight budget — will this still work? ▾
Yes. The system is specifically designed for tight budgets. Chapter 2 starts with K1/day contributions and scales from there. The entire framework is built around starting with whatever you have and building gradually.
Is this only for employed people? ▾
No. The guide covers variable and irregular income specifically — business owners, freelancers, and side-hustlers. Chapter 5 has a dedicated section on handling income that doesn't arrive on a fixed schedule.
What payment methods are accepted? ▾
We accept Airtel Money, MTN Money, Zamtel Kwacha, and standard bank transfers. Payment details are provided when you message us on WhatsApp.
Is this relevant to the Zambian market specifically? ▾
Entirely. All examples use ZMW figures. The FTD products referenced are available at Zambian commercial banks and MFIs. The budget examples reflect Zambian living costs and income levels.

Every kwacha you save
buys one more day of freedom.

You're not saving money. You're purchasing time, control, and the power to say no to the wrong things. Start today.

Order on WhatsApp — K49

Launch price · Regular K149 · Instant delivery

Order on WhatsApp — K49