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 Image
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 Image
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). Image
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 Image
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 Image
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 Image
Abojani Online Masterclass Payment Details

~ Paybill: 469345
~ Account Name: Your Name
~ Early Bird Discount: Ksh 4,500

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More from @TheAbojani

Sep 1
#AbojaniTrueStorySeries

REBUILDING IN MY 40s

I’m 44 now. Some nights, I lie awake wondering where all the years went.

When I graduated from The University of Nairobi back in 2004, Nairobi felt like it was mine to conquer. I landed a decent job at a local bank straight out of campus. I had come from a very humble background and so that first salo hit hard. It was like gold for me and I knew my life was going to finally change...
I remember by 27, I had already upgraded from matatus to my first car...a Toyota NZE, bought on loan. The bank was offering me a very good deal I just couldn't resist. Almost all my colleagues were driving themselves to work by then and I also wanted to fit in.
I remember how my village lit up that December when I drove in with loud music and dark shades. Heh, I was looking for approval from murima, like everyone else did when they 'made it' in Nairobi. My uncles patted my back like I’d made the whole family proud. My age-mates followed me to the local bar, and I bought round after round of beer until the crates ran out. Looking back, that night I went home broke, but my ego was full.
Read 16 tweets
Aug 20
MODEL BUDGET FOR A 32 YR OLD BANKER, EARNING 216K(NET), HAS A SMALL FAMILY AND PLANS TO START A BUSINESS SOON...

Kimani(not his real name) married the love of his life two years ago at 30 years of age and he thought life would slow down a little. He was finally settled, working at one of the leading banks in Upperhill, Nairobi, and starting a family. ....
His net income now stands at Ksh 216,000, a little higher than what he was earning even last year. They live in Athi River’s Greatwall apartments, paying Ksh 28,000 in rent. His wife is a creative freelancer, meaning her income comes in waves, sometimes big, sometimes very dry...
They have a one-year-old babygirl. His wife’s younger brother, who just finished highschool in 2024, now stays with them, and later this year he’ll be joining university. Kimani and his wife plan to support him through campus.

Additionally, Kimani has a car loan, which eats up Ksh 23,000 every month......
Read 13 tweets
Aug 6
#AbojaniTrueStorySeries
LOVE, LOANS & MATATUS.... HOW WE BUILT A RETIREMENT WE ENJOY

We met in 1980 at Egerton University, Njoro campus. I was doing B.Ed in Home Science and Agriculture. He was raining to be a History teacher. Those days, everyone just wanted to be a teacher. My parents had even subtly asked me to marry a Mwalimu!
My sweetheart, Mr. Mburu, was tall, a bit loud, and always wore those baggy jeans and block shoes that were so fashionable back then. And we fell in love too fast, not so much to my parents' liking actually. I found out I was pregnant just weeks before our final exams. Then our babygirl decided to arrive on God's green earth on no other day but our graduation day, at the then Nakuru PGH. Our daughter was born that morning, when my classmates were busy graduating.
Unemployment was not as bad as it is this days. During our time, we would land huge jobs even while still in 3rd year. By the time we were graduating, we already knew just where we had both been posted to work.

It was in those few years post uni that we officialized our union. We did a traditional marriage then quickly rushed to do our small civil wedding. There was no time to plan a wedding since our hands were already full with work and with our baby.
Read 16 tweets
Aug 1
#AbojaniTrueStorySeries

I MADE MY FIRST MILLION AT 24, IT NEARLY RUINED ME.....🧵🧵

People like to say money changes you. But in my few years of experience in business and in these streets, I have learnt that money doesn’t change who you are. It just exposes what was already there. Loudly.

This year, I turned 33 years old. My LinkedIn reads, Founder of a logistics company in Industrial Area. I started this hustle at 21 with my father's laptop and a head full of ideas. I was done with mjengo jobs, tired of living hand-to-mouth. I knew I had something in me that could build.....
My life has been nothing short of chaotic, I never got a chance to go to campus. I never really paid full attention in my education. But I really regret not studying when I had the chance and all the support I needed. Anyway, recently, I have enrolled to a Diploma course to try my luck once again.
The cost of not going to school weighed me down in every room I walked into. It didn’t matter how good I was at the job or how much I’d taught myself over the years. The moment people realized I didn’t have papers, their tone would shift. They’d become polite, but unsure. I always had to work twice as hard just to be seen.
Read 13 tweets
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.
Read 9 tweets
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...Image
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.
Read 6 tweets

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