Gee

[Gee @ChepsebaGl48453]

@Chumafinest @cheruiyotkb Dm

[cheruiyotkb @cheruiyotkb]

~Bad debt holds you down.

~Salary allows you to stay afloat.

~A second income source allows you to soar higher.

~Multiple income assets allow you to become independent.

[Gee @ChepsebaGl48453]

@cheruiyotkb Best investment i did 2025

[Gee @ChepsebaGl48453]

@TheAbojani Kuza

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Imagine waking up ten years from now and being grateful for the financial decisions you made today.

- The money you chose to save.

- The investment you chose to understand.

- The unnecessary debt you chose to avoid.

- The financial education you chose to pursue.

Your future is being built quietly, one decision at a time.

[cheruiyotkb @cheruiyotkb]

You get rich from what you earn.

You become wealthy from what you own.

Make it your goal to own income earning assets.

Cash, unit trusts, treasury bills, bonds, dividend stocks, commodities, machinery, rental property, farmland, trees, livestock, stone quarry, etc.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

There are some money questions you should probably be asking yourself more often.

🌟 What happens if my income stops tomorrow?

🌟 How much debt is too much?

🌟 Am I investing enough for the future?

🌟 Do I actually understand what I have invested in?

🌟 If I have dependants, are they financially protected?

🌟 Am I building assets or simply maintaining an expensive lifestyle?

🌟 Is the way I manage money today taking me closer to the life I want?

Personal finance is not just about budgeting. It is about making better financial decisions across your entire life.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Leadership That Moves Finance Forward...🧵🧵

Being named among Pan African Voice’s Top 25 Banking & Finance Executives in Africa for 2026 is a recognition of John Gachora’s leadership and the role NCBA continues to play in shaping the future of financial services in Africa.

Under his leadership, NCBA has continued to push beyond traditional banking, investing in solutions that make financial services more accessible, convenient and relevant to how customers live and transact today....

[Gee @ChepsebaGl48453]

@Makiadi_ Hahhaha

[SokoAnalyst @SokoAnalyst]

Most people do not wake up broke. They arrive there slowly. One upgraded phone. One bigger house. One more subscription. One lifestyle decision after another until yesterday’s luxury quietly becomes today’s “basic need.”

Then income rises and somehow peace does not. The salary gets better, but the pressure gets worse because lifestyle inflation has already eaten tomorrow’s money. You are earning more, yet constantly anxious because your expenses have learned how to grow faster than you do.

Real wealth begins when you stop performing prosperity and start building it. Live below your means. Invest before you impress. Save before you celebrate. Because financial freedom is not about looking rich today. It is about owning enough of tomorrow that money no longer controls your peace.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Here’s a small exercise you can do this morning.

Remember how you planned for your last big purchase or investment? It seems like yesterday, right?

Now use that analogy to plan for the next 2, 5, 10, 20 years of your life. Sit down, draw up your plans, break it down into smaller milestones. Start saving, your dreams are on the horizon.

You’d rather have a goal you achieve slowly than have that time pass without anything to show for it.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Dear GenZ,

The ultimate goal is to build passive income - money that keeps flowing in without requiring any active effort.

Here are 6 ways to generate passive income in Kenya:

🌟Money Market Funds
🌟SACCO Deposits
🌟SACCO shares
🌟Treasury bills & bonds
🌟Dividend stocks listed on NSE
🌟Real Estate Investment Trusts

[Gee @ChepsebaGl48453]

@TheAbojani I would choose both.But rentals must be good location

[cheruiyotkb @cheruiyotkb]

A few "don'ts" on personal finances:

1. Don't just spend, save and invest at least 10% monthly.

2. Don't limit your earning potential. Level up your skills. Nothing beats investing in yourself.

3. Don't just buy land and hold, make it an investment. It's not about ownership, it's about cash flow assets.

4. Don't invest in something just because it boasts an annual 20% ROI. Learn about taxes, risks, opportunity cost, and net returns.

5. Don't start a business just to make money, start a business that also impacts people’s lives positively.

6. Don't keep filling a leaky bucket - if that business makes you nothing after 5 years, let go. There is a thin line between ambition and delusion.

[cheruiyotkb @cheruiyotkb]

If your personal finances seem overwhelming, break the big tasks into actionable stages:

Stage 1:
- Cut expenses
- Pay off bad debt
- Create emergency fund

Stage 2:
- Invest in cash assets
- Have a second income

Stage 3:
- Use interests to buy more assets
- Have 3 income sources
- Passive income equals 3 months' salary

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Be stronger than your excuses.

Time will never be right. Doubt will never cease.

Just get started.

[cheruiyotkb @cheruiyotkb]

On emergency funds, some people argue against saving money in low yielding MMFs.

They prefer investing in assets that build the passive income that will hopefully handle unforeseen situations.

The downside is that passive income may be irregular or far between and you could be forced to exit the investment at a loss.

Having readily accessible cash reserves for emergency situations affords one a good night's sleep.

[Gee @ChepsebaGl48453]

Parents either hand down wisdom or wounds to their kids.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Gentlemen,

Stocks hazitaki emotions.