The Power of Saving and Investing. A story!
1/6: Meet Jane and Kim, two young professionals who started their careers at the Kienyeji Hotel. Their financial habits led them down different paths during a crisis. #ThePowerOfSavingAndInvesting
2/6: Jane was a hard worker who saved 10% of her income, lived modestly, and invested her money wisely. Kim, on the other hand, spent most of his paycheck on "sherehe" and was always in debt. #FinancialHabits
3/6: A few years later, the company went through a major layoff, and both Jane and Kim were let go. Thanks to her savings and investments, Jane was able to weather the crisis, while Kim struggled with no savings and a lot of debt.He had to move back in with his parents (at 35).
4/6: Jane's story is a reminder that financial security is important. By saving and investing, she was able to weather a difficult financial storm. Kim's story is a cautionary tale of what can happen when we don't save and invest. He was left vulnerable. #LearnFromMistakes
5/6: Want to secure your financial future? Start by saving and investing early, spending within your means, paying off debts, and creating a financial plan. #TakeControl
6/6: Join our June Masterclass and learn how to save and invest your money wisely. Take responsibility for your finances and build a secure financial future. #JuneMasterclass#FinancialSecurity#AbojaniInvestment
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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.
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.
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.
#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.
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.
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...