Translation
It is what the heart wants; the tortoise chose to have a shell.
Application
Each person will do as they please.
Sometimes people make choices that will surprise everyone else, such as a choice regarding a marriage partner; but at the end of the day it is up to one to do as they please.
Similar Proverbs
1. Chidamwoyo, zamu kumera pambabvu.
2. Mwoyo imbesa, ungomera apo ungoda.
3. Mwoyo imota, unomera apo wada.