I’m 45, earn Sh110,000. How do I raise Sh6 million to buy a home or buy land?

My name is Lewis, and I am 45. I’m divorced and live alone, and I have children. I feel I’m not aligned in my financial journey. I would want to own a home in three to four years, and have a passive income of Sh120,000 per month. The target for the house is Sh6 million. It can be either an apartment of Sh6 million or a plot of Sh3 million and construction of Sh3 million.

My net income is Sh110,000. My budget is as follows: Rent: Sh17,000, Electricity: Sh2,000, Water: Sh1,000, Wifi Sh3,000 (This I need since I use it for side hustles), School fees Sh20,000, children’s food/upkeep Sh10,000, Parents Sh5,000. My shopping and groceries are Sh5,000 (these are mostly taken care of by side hustles). Transport is taken care of by the company. Miscellaneous and entertainment I cover from side gigs.