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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 14

Money Management For 40 Year Olds 🧵🧵

By the time you’re 40, the conversations around money start to hit differently. At 40, you have probably made some money, maybe made a few mistakes too.

You’re not a beginner, but you’re probably not quite where you thought you’d be either. And your body, your parents, your children and even your country’s economy, are all making demands on you!

Slowly by slowly, conversations naturally shift to stability, legacy,family, health, and freedom.....

At 40+, the worst thing you can do is live in denial.

Check:
What do you own? What do you owe? What’s your monthly cost of living? What can you afford, and what are you forcing?

Many Kenyans over 40 are asset-rich but cash-poor. Some have land they can’t develop, or Sacco shares they’ve never monetized. Others are living in homes they “own” but can’t repair.

Start with the truth. Then work your way to clarity.

At 25, emergencies were rare.

At 40+, they come knocking with confidence: aging parents, unwell siblings, high school fees, sudden surgeries, funerals, dependents.

You can no longer afford to walk around without:
✅SHA and private health cover
✅Life insurance (even a simple term cover)
✅A dedicated emergency fund with 3–6 months of expenses

At this stage, debt is not the emergency fund. Your credit card should not be your fallback.

Read 8 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 12

#AbojaniTrueStorySeries

I FINALLY LEFT CORPORATE AT 48, 4 KIDS IN AND FINALLY BUILDING MY OWN HOUSE. 🧵🧵

I often get asked (by my relatives mostly) why I left corporate life at 48 , just when, by many standards, I was at the peak of my career. I know they are more concerned because my children are still toddlers.

And that my stay at home wife is expecting yet another child.

The answer is very simple though: I left because I could...

Long before I ever sat in a boardroom, I had quietly prepared for a life where I could make choices on my own terms.

I was born in Maragua, somewhere on the Murima, in a time when opportunity was scarce and hard-earned. My father(God bless him) worked on a colonial settler’s farm. He was one of many Kenyan men who, in those days, served diligently on those mzungu owned coffee estates. It was honest labour that fed our family....

My mother, like many women of her time, anchored the home. She sold milk from our three dairy cows and managed our small acreage of coffee. Back then, coffee farming was lucrative, and even with limited resources, my parents instilled in us a deep sense of discipline, hard work, and resourcefulness.

I was the firstborn and the first in our extended family to attend university.

Read 15 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 5

#AbojaniTrueStorySeries
MY WEDDING DAY HAUNTS ME, TO DATE!! 🧵🧵

In the quiet of approaching 40, certain memories return sharper than others. For me, it is the wedding of 2015.

When I proposed to my campus sweetheart, I told myself we deserved the very best. Safari Park for the reception, and a convoy that would snake from Murang’a to Nairobi with ceremony.

Heh, let me just say I was young and dumb!

Honestly, I had no business spending my money so wrecklessy!

I was 31 then, working in Corporate Affairs at a blue-chip firm in Upper Hill. A good job, good pay, and the quiet satisfaction of knowing my family back home in Maragua spoke my name with pride.

But my wedding day! No, actually that whole year when we were arranging the entire event was my biggest mistake! By the time we had completed the ruracio, the itara, and the main wedding, the expenses had climbed to KES 1.5 million. I quietly borrowed Ksh 400,000 from my Sacco to top up. It felt harmless at that time.After all, I was earning well, and there was always the next promotion to look forward to.

Read 14 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Apr 14

Financial Management in Your 20s🧵🧵

Your 20s are weird. One minute you have your ducks in a row and the next you don't even know what you want!

They say 20s are foundation years. These are 'street-fighter' years...the time to put your best foot forward and work hard in order to secure your 30s, 40s, 50s and even 60s.

Whether you're just starting out or trying to get your money life together, managing your finances early can be a game-changer.

Here’s a super simple guide to getting your money right in your 20s....

1⃣Know Where Your Money’s Going

Start with a budget, but don’t over-complicate it. Track your income, then track your expenses. A simple pen and paper will do.

Budgeting doesn't mean being stingy. It means knowing how your money is flowing in and out.

2⃣Build an Emergency Fund

Life happens. Life is very unpredictable. Your job is not as secure as you want it to be.

As a rule of thumb, save and invest at least 6 months of your expenses in a liquid fund that is, money market funds.

Read 8 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Apr 3

#AbojaniTrueStorySeries

MY GIRLFRIENDS, MY MONEY, AND I🧵🧵

I’ll never forget the first time I realized I had a problem.

I was sitting at my favorite corner café in Nairobi town, scrolling through my phone.

My bank balance stared back at me, a cold reminder of the very bad choices I had made.

I knew the number by heart. I had memorized it for weeks because, quite frankly, it was all I had left, after being the ‘Minister of Enjoyment’ for the better part of my adulthood.

That time, I had just spent the last two months’ salary, and I had nothing to show for it—nothing except a few extravagant dates, a handful of designer gifts, and a couple of vacations to places I couldn’t even pronounce.

I remember thinking…..“What the hell am I even doing?”....

This wasn’t the first time it had happened, and it sure as hell wasn’t going to be the last.

I was once 25 and thought I had the world in the palm of my hand. I had just landed a solid job as a mid-level manager at a tech firm. I wasn’t wealthy, but I was comfortable. And in my mind, being comfortable meant I could live a little

And live I did.

Maybe in excess but we live and learn, yes?

There were the dinners, the weekend getaways, the spontaneous trips to Zanzibar, the latest gadgets, the lavish birthday parties—I had it all. Or at least, that’s how it seemed.

Looking back in hindsight, the common thread through all those experiences wasn’t the joy I derived from them. No, it was the woman I was dating.

They were the center of it all. And it wasn’t just a couple of relationships. No, I had multiple girlfriends during these years, each one vying for my time, attention, and more often than not, my money...

Read 16 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Apr 2

#AbojaniTrueStorySeries

IT TOOK ME 24 YEARS TO FINALLY BECOME FINANCIALLY DISCPLINED 🧵 🧵

It’s my 49th birthday next week and I do not know what I feel about being only 1 year away from 50!

I started working at 23 as a banker, somewhere in Nyeri.

If there’s one thing I’ve learned in my 48 years, it’s that life has a funny way of teaching you lessons when you least expect it.

If you’d asked me when I was 24 what my life would look like at 48, I would’ve told you something completely different.....

When I landed my first “real job” in the bank, I was fresh out of university, I was eager to prove myself, ready to work hard and climb the ladder. The job was an entry-level position, but to me, it was everything.

My first paycheck was a moment I’ll never forget. I walked into that office feeling like I was on top of the world. I thought I was rich!

I remember heading straight to the nearest mobile shop to buy my first phone (one of those chunky siemens phones🤠)

It wasn’t much, but it was mine. It was a symbol of independence, of adulthood.

That whole month, I was broke as a church mouse, but at least I had a phone!

I still laugh when I think about it. My friends and I would show off our phones like they were the latest gadgets, even though they were barely functional compared to today’s smartphones. But back then, that little phone was everything. It was the start of something new.

By the second month of my job, I had moved out of my parents’ house. I didn’t want to be “the guy who still lives with his mom” at 24, even though my parents were always supportive. I rented a small, rundown single room somewhere near the town center—small enough to be affordable but big enough to feel like a step up from my childhood home.

It was just me, my phone, and a whole lot of dreams...

Read 18 tweets

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Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

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