Think Forward.

GenZ: The Fiscally Aware Generation 9907

Tariq, 2 y.
I am sitting at Paul's cafe at the airport en route to Nairobi via Cairo for Applied Machine Learning Days (AMLD) Africa (a wonderful conference, more on that later). **In front of me 4 young males, early 20s, they speak loudly in french as they eat the burgers and fries they bought at another restaurant.** They talk about money. "You have no idea how much money I lose to taxes", says one of them. "40 to 50%! It's a lot of money, I would make so much more without it". He sees taxes not as a net necessary good, as most have been trained to see it, but as any other cost. Interesting, that's not the type of conversations you would expect from someone that young. It's not the first time I hear this type of conversation from GenZs. Why are GenZs becoming more fiscally aware than previous generations? I think it comes down to two factors: - Inflation - The entrepreneurial culture Inflation has hit everybody, for obvious reasons. However one constant with inflation is that it hits the poorest hardest. Young people tend to have less money. But that's not enough to raise awareness about a subject that most consider beyond boring. This brings us to the next point: *The entrepreneurial culture*. As a millennial I witnessed it's burgeoning and blossoming. It started timidly with a few books and blogs, then massive blogs, then best sellers, then YouTube videos and finally podcasts. Not so long ago being an entrepreneur was considered an unwise life choice. Successful people go to work for established companies. Such was common wisdom. However, as the 2008 recession hit and people started to look for more revenue streams, they also discovered the concept that having one's business can also mean more freedom and better financial security. There is however a big difference between the Millennial Entrepreneur and the GenZ Entrepreneur. The Millennial was still uneasy with the idea of making money and as such would speak about *"making a positive impact in the world"*, the GenZ is not burden in this way. You can see the shift in YouTube ads, today it's all bout how much you will make if you buy this or that business course. So whatever online business they start, being it drop shipping or whatever, they tend do it in a money aware way. Starting an online business is a hard, the competition is fierce. Naturally, they try to invest their hard earned money wisely. When the tax bill comes, they see it as it is: an unexpected cost that does not necessarily translate to a better life quality. Nothing is free in this incarnation. Some are not even shy about relocating to fiscally advantageous locations like Dubai and making videos about it. This could be the end of the blissful fiscally unaware generations.
Tariq Daouda Tariq Daouda

Tariq Daouda

CEO, co-founder & Head Software Architect of Bluwr. Professor at the Faculty of Medical Sciences of the University Mohammed VI Polytechnic, I specialize in AI for Biomedical applications.


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Football: When Passion Kills the Game in Impunity and Tolerance.. 405

Aziz Daouda, 1 d.
- Society - Sports -
2.7 min read.
Football (Soccer for Americans) is first and foremost a matter of emotions. By its very essence, it is an open-air theater where human passions play out in their rawest, most primal form. It generates joy, anger, pride, humiliation, and a sense of belonging. From the stands of Camp Nou to those of the Diego Armando Maradona Stadium, through the fervor of the Mohamed V sport Complex in Casablanca, the vibrant enclosures of Stade Léopold Sédar Senghor in Dakar, or even the Parc des Princes in Paris, the Vélodrome In Marseille, and the Bernabeu In Madrid, football transcends the mere framework of the game to become a total social phenomenon. But this emotional intensity, which makes football's beauty, also constitutes its danger. For without rigorous regulation, it quickly tips into excess, then into violence. Today, it must be acknowledged that the rules exist, but they are too often circumvented, stripped of their substance, or applied with disconcerting leniency. On the pitches as in the stands, excesses are multiplying: insults toward referees, provocations between players, systematic challenges, physical violence, projectile throwing, pitch invasions, xenophobic remarks, racist offenses. What was once the exception is tending to become a tolerated norm. Astonishingly, we are starting to get used to it. Recent examples are telling. In Spain, in stadiums renowned for their football culture, racist chants continue to be belted out without shame, targeting players like Vinícius Júnior. Most recently, it was the Muslim community that was insulted. And yet, Spain's current football prodigy is Muslim. An overheated crowd that has doubtless forgotten it wasn't so long ago that it was Muslim itself. Among those chanting these remarks, and without a doubt, some still carry the genes of that recent past... In Dakar, just a few days ago, clashes escalated, turning a sports celebration into a scene of chaos. In Italy, incidents involving supporters who invaded the pitch, during a friendly match, no less, endangered players and officials, recalling the dark hours of European hooliganism in the 1980s. These episodes are not isolated; they reflect a worrying normalization of violence in and around stadiums. Even at the highest level of African football, behavioral excesses are becoming problematic. The 2025 Africa Cup of Nations final left a bitter taste. What should have been a moment of celebration for continental football was marred by behaviors contrary to sporting ethics. Pressures on refereeing, excessive challenges, and game interruptions have become commonplace. When a coach manipulates a match's rhythm to influence a refereeing decision, it is no longer strategy but a challenge to the very foundations of the sport. Despite international outrage, the sanctions imposed on teams, clubs, or players involved remain often symbolic, insufficient to eradicate these behaviors. A very surprising phenomenon: rarely have clubs or federations clearly distanced themselves from such crowds. They accommodate them, and when they condemn them, it is half-heartedly, in a muffled, timid tone with no effect. The problem is twofold. On one hand, disciplinary regulations exist but lack firmness. On the other, their application suffers from a lack of consistency and political courage. Bodies like FIFA, continental confederations, and national federations hesitate to impose truly dissuasive sanctions such as point deductions, prolonged closed-door matches, competition exclusions, or even administrative relegations. Yet without fear of sanction, the rule loses all effectiveness. It suffices to compare with other sports to measure the gap. In rugby, for example, respect for the referee is a cardinal value. The slightest challenge is immediately sanctioned. In athletics, a false start leads to immediate disqualification, no discussion. Football, meanwhile, still tolerates too many behaviors that should be unacceptable. This permissiveness has a cost. It undermines football's image, discourages some families from attending stadiums, and endangers the safety of the game's actors. More gravely, it paves the way for future tragedies. History has already taught us, through catastrophes like the Heysel Stadium disaster, that violence in stadiums can have tragic consequences. It is therefore urgent to react. Regulating football does not mean killing its soul, but rather preserving it. It is not about extinguishing passions, but channeling them. This requires strong measures, exemplary sanctions against offending clubs and players, accountability for national federations, increased use of technology to identify troublemakers, and above all, a clear political will from national and international governing bodies. Football cannot continue to be this "market of emotion" left to its own devices. For by tolerating the intolerable, it risks losing what makes its greatness and its ability to unite rather than divide. If FIFA does not decide to act firmly, the danger is real: that of seeing football sink into a spiral where violence triumphs over the game, and where, one day, tragedies exceed the mere framework of sport. The long-awaited decision of the Court of Arbitration for Sport (CAS) in the 2025 AFCON final case should confirm rigor and integrity in the application of rules, at least at this level, thereby strengthening the credibility of the pan-African competition and football in general.