Chepkemoi Sharon

[cheruiyotkb @cheruiyotkb]

Many remain trapped financially not because they don't earn but because 100% of their income goes into consumption.

Consumption helps you survive, Saving helps you prepare, and Investment helps you build wealth.

Take Sh 80,000 monthly net salary as an example.

Spend Sh 48,000 on rent, food, transport, and bills.

Save Sh 12,000 for emergencies and short-term needs.

Invest Sh 20,000 in quality NSE stocks consistently.

Here's the difference:

The Sh 48,000 spent has done its job and is gone.

The Sh 12,000 saved gives you peace of mind but barely stays ahead of inflation.

The Sh 20,000 invested in fundamentally strong companies like SCOM, EQTY, KEGN, or KENRE has the potential to generate dividends and compound in value over many years.

[cheruiyotkb @cheruiyotkb]

...properties, besides mental stress.

Many entry level employees on <70K net pays have taken 96-month loans leaving them to survive on <30K paycheck. The best way to construct a family house is using cash flows, not salary - unless you get a huge paycheck and have job security.

[J_Kab's @JOHNKAB98348786]

Cashflow is generated by net worth

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

There is no age by which you need to have things done.

It would be nice to have money saved, a thriving portfolio, own house and all good things by 30.

But life happens.

Delayed employment, low pay, highly regulated promotion terms, etc.

Do your best with what you've got.

[cheruiyotkb @cheruiyotkb]

Sh100K in an ordinary bank account earns less than Sh100 per year.

Sh100K invested in a money market fund can earn over Sh8,000 per year.

Sh100K invested in SACCO deposits can earn over Sh11,000 per year.

Sh100K invested in infrastructure bonds can earn over Sh13,900 per year.