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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

Jun 16

Financial Management for Gen Z Entrepreneurs...🧵🧵

20s is a decade of firsts; first income, first rent, first shot at independence.

But no one really prepares you for what it costs to chase your dreams while figuring out how to make money, manage money, and not lose your mind in the process.

Across all facets, financial management is often the weakest link......

When you’re young, the temptation is to “wing it”, to assume you’ll clean things up later when you’re making more money. It is important to remember that:
⭐️Poor habits grow with you.
⭐️Undisciplined cash flow today becomes business stagnation tomorrow.
⭐️And more money, without financial systems, only amplifies mismanagement.

This is really just the season to learn, document, and grow slowly.

What to do as an entrepreneur??

1. Separate Yourself from the Business
Your business is not your M-Pesa line. It’s not your personal bank account. Start there.

Open a separate business till, bank account, or at the very least, dedicate a second M-Pesa line for business use. This creates clarity between what belongs to the business and what belongs to you.

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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 29

Ksh 1,000 and a Dream 🧵🧵

Investing is intimidating when all you have is a few thousand shillings in your account. The stock market seems too risky, bonds seem too expensive, and everything else sounds like it’s for people with money.

However, you don’t need a six-figure salary to start investing. What you need is a plan.

MMFs → Bonds → Stocks

This is a simple ladder that will help you build wealth slowly, safely, and sustainably starting with 1K...

If you have Ksh 1,000 and you're wondering where to begin, don’t rush into stocks or complicated investments. Start with a Money Market Fund (MMF).

Think of it as your financial safe haven.

MMFs are:
✅Low risk
✅Highly liquid
✅Better yielding than your savings account
✅Ideal for emergency funds and capital-building

You can invest as little as Ksh 1,000 and when you top it up monthly, even with small amounts, it grows slowly, but surely.

Before you even think about making money, build a buffer. This is your financial cushion. A place where your money earns interest daily, yet remains easily accessible.

Once your MMF balance, excluding your emergency fund, grows to, say, Ksh 10,000 or 20,000, you're ready for the next step.

Once your MMF has grown past your emergency fund, you need to start aiming for Ksh 50,000 or more for capital into your next investment, you’re now ready to climb the ladder. Treasury Bonds issued by the Central Bank of Kenya become your next destination.

Bonds are relatively low risk, backed by the government, and pay you interest semi-annually.

Why now?
Because you’ve built your cushion in the MMF. If emergencies arise, you’re not forced to break your bond investment.

How much?
Most Treasury Bonds require a minimum of Ksh 50,000 or Ksh 100,000, which means your MMF becomes a tool to accumulate this amount over time.

Treasury Bonds introduce you to passive income. Imagine earning interest every six months just for lending your money to the government. It's slow and steady, but that's the point, wealth isn't built in a rush.

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Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 28

THE 6 LAWS OF WEALTH 🧵

You can be hardworking, smart, but broke. Not because you’re lazy. Not because you don’t earn. But because the system was never built to teach you how to keep money.

Only how to chase it!

Here are the 6 Laws of Wealth you should know by HEART!!

1⃣ Bad Debt is a Trap

Not all debt is evil, but the wrong kind will bury you alive.

Borrowing for consumer things, phones, holidays, expensive weddings, is the fastest way to stay poor while looking rich.

Good debt builds. Bad debt bleeds.

If it doesn’t make you money, don’t borrow for it.

2⃣ Keep a Part of All You Earn

Every single time you get paid, pay yourself first.
Not after rent. Not after bills. Not after Black tax.
First. If you can’t save on a small income, you won’t save on a big one either. Wealth begins the moment you decide to keep what you’ve worked for.

That 20% of your income should be a monthly ritual.

Read 7 tweets

Abojani Investment 🇰🇪🇺🇬🇹🇿

@TheAbojani

May 14

MODEL BUDGET FOR A 40-YR OLD, MAKING 130K GROSS, MARRIED WITH 2 KIDS, IS THE MAIN BREAD WINNER & WISHES TO BUY A HOME 🧵🧵

Wilson(not his real name) is 40. He earns Ksh 130,000 gross, which comes down to about Ksh 90,000 net. He works at a popular logictics company in town.

He’s married, has two kids , one in public primary school, the other in pre-school. He rents a modest two-bedroom house in Banana for Ksh 22,000. He drives a small family car (fully paid off), and he’s them main provider at home....

He has Ksh 500,000 saved in a money market fund, and Ksh 200,000 in Sacco shares. He contributes monthly to that Sacco and dreams of one day buying land through it.

Wilson is doing okay , not broke, not balling either. But he’s always asking himself: "Am I doing the right thing with my money? Is this really going somewhere?”

But now, at 40, the pressure feels heavier. School fees are no longer pocket change. Relatives are calling him more often. His parents are aging. His body doesn’t bounce back from stress the way it used to.

How can he budget sustainably?

Read 13 tweets

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

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Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

Abojani Investment 🇰🇪🇺🇬🇹🇿

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