Automotive Engineer || Maintenance technician || Community Rehabilitator ||Political Strategist || Peer Educator||
Youth Ambsd || Son of God || Liverpool fan♥️
Kenyans telling Sifuna they need real development in roads and not chicken.
Kikuyus are angry yes, but they also know without a developing Kenya their situation is worse off; as the are also the group that is most integrated in Kenya’s MONEY ECONOMY.
Diversifying investments means putting your money into different baskets.
If you spare Sh 20,000 monthly, you can spread your cash as follows:
~Sh 3000 to an MMF for short term goals and emergency fund
~Sh 5000 to a bond fund for consistently higher interests
~Sh 5000 to SACCO deposits for interests and loan multiplier
~Sh 7000 to a dividend stock, eg. $KEGN
Make yourself a priority for the remaining 6 months of 2026:
- Read books
- Open a CDS a/c, Money Market Fund a/c & a Sacco a/c (if you haven't done so)
- Learn new skills in your career or business
- Develop great habits
- Work on your fitness
- Show up every day
- Start a business with the new skills
Those 6 months can change your life forever.
Your 20s are the most powerful decade for wealth building. Not because you’re earning the most, but because you have the most time.
Rule #1 → Learn to live below your means. If you earn KShs 30,000 and spend KShs 29,999, you’ll never get ahead.
Rule #2 → Invest in yourself first. Courses, certifications, skills, networking & mentorship.
Rule #3 → Save at least 20% of your income. Start with 5% or 10% if you can’t hit 20%.
Rule #4 → Use Money Market Funds for short-term goals.
Rule #5 → Invest early. Government bonds, SACCOs, NSE; compounding works with longer time frames.
Rule #6 → Avoid lifestyle debt. Credit cards, payday loans, soft loans from friends.
Rule #7 → Protect your wealth. Health insurance, life insurance; one bill can undo years of savings.
Rule #8 → Surround yourself with the right people. Peer support can make you wealthy, peer pressure can bankrupt you.
GenZ have numerous opportunity to build the investing muscle and to do better than their parents.
- Start by building an emergency fund via your MMF account
- Meanwhile, buy at least 5000 shares of your favourite stock on the NSE
- Invest in a personal retirement scheme
- Update your SHA, and ensure you are covered sufficiently healthwise
- Invest in your health by eating healthy and moving your body
- Learn new skills every couple of months
- Avoid comfort zone by always seeking more
- Invest in financial literacy
- Build your social capital
- Marry a financially literate spouse.
Ukiwa ma Kshs 250k
Start a Mini Supermarket
Make Kshs 18-25k sales
Make Ksh. 15% margin
Thats Kshs 3,000 - 3,750 per day
In a month ukitoa expenses huwezi kosa Kshs 50k
Any other business that you can start with Kshs 250k and make Kshs. 3k per day and Kshs. 50k profit?
Giste says
AVERAGE PEOPLE
1. Go to school for 15–20 years hoping it will secure their future.
2. Get a 9-to-5 job and trade their time for money their whole life.
3. Buy a house with heavy loans and decades of EMIs.
4. Have children without strong financial preparation.
5. Live paycheck to paycheck, always stressed about money.
SUCCESSFUL PEOPLE
1. Learn real skills through experience and self-education.
2. Start a business or side hustle early in life.
3. Invest heavily in self-improvement and personal growth.
4. Build powerful networks and meaningful connections.
5. Create a strong personal brand that brings opportunities.
6. Spend time alone to think, reflect, and plan their future.
7. Make their money work for them through smart investments.
They say life begins at 40. But many 40 year olds are still struggling in business, career and even personal lives. If you examine further, you realize that money is at the centre of everything that is not working.
Here are some proven personal finance tips for anyone in their 40s....
✅Assess Your Current Situation: Take stock of where you are in terms of health, finances, and personal relationships. Be honest with yourself about what needs improvement.
✅Set Clear Goals: Define what you want to achieve in the next 5, 10, or 20 years. Whether it's saving for retirement, improving health, or strengthening relationships, having clear goals will guide your actions.
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I told you,
Gen Zs are the most clueless and uninformed people!
This one went on public TV to display his ignorance, only to be told by Eric Latiff to go and read more.
Gen Zs are fools who rely on Facebook and TikTok as their primary source of information.
They rely on propaganda as absolute truth.
Here's KES 10,000 invested monthly at 10% annual returns:
•After 5 years: KES 775,000
•After 10 years: KES 2,048,000
•After 20 years: KES 7,596,000
The math doesn't lie. Consistency and time do the heavy lifting.