Keep it simple:
SACCO account - For cheap loans
Money Market account - For emergency fund, sinking fund, opportunity fund
Bank account - For transactional purposes
Stock trading account (CDS a/c) - For capital growth
Property - For capital gains & income generation (rentals)
Bonds (DhowCSD) - For income generation & capital preservation
Instead of spreading yourself too thin, split your saved money into these three categories:
1️⃣ Security Bucket – Emergency fund, insurance, low-risk investments.
2️⃣ Growth Bucket – Stocks, real estate, businesses and other investments that can grow significantly.
3️⃣ Freedom Bucket – Travel, hobbies, personal experiences. This ensures you enjoy life while building wealth.
Fasting for 72 hours is the best medicine on Earth.
It triggers your body to "eat up" tumors, inflammation, and toxins.
It's literally a doctor within.
Here's how to fast correctly (according to science): 🧵
Life is Hard:
-Eating healthy is hard
-Working out daily is hard
-Building a business is hard
-Waking up at 430am is hard
-Working for someone else is hard
-Building someone else's dream is hard.
Making decisions like going home to spend time w your family vs going to the bar or some social hour that brings you no value is not hard.
Choose your hard.
7 Personal Finance Rules Everyone Must Know!
Rule of 72
1st Week Rule
40% EMI Rule
50-30-20 Rule
2X Savings Rule
3X Emergency Fund
25X Retirement Rule
Your financial priorities and goals should dictate which rules are most important for your situation.