KenyaOnAShoeString: Real Advice for Real Kenyans

We are surrounded by wealth. Expensive cars on the road, packed cafes with KES 1,200 bills for chips, chicken and a drink, yoga and Pilates studios charging KES 30,000/month for 12 sessions, iPhones and high-end Samsung's on every table, people going on holiday every few months, apartments going for KES 22 million plastered across billboards — and somehow, everyone seems to be affording it. And yet, if you're earning over KES 100,000/month, statistically, you're in the top 2% of Kenyan earners. You're doing everything right: budgeting, saving, avoiding debt, maybe even running a side hustle. But at the end of the month, you feel broke. You feel stuck. You feel like you can't move forward. This article explores the observed reality vs the lived reality . We peel back the image of wealth that surrounds us to show what life really looks like for salaried Kenyans earning "well." Through three detailed profiles, we break down exactly where the money goes — an...

This isn’t just a story about fake job offers in Qatar or Thailand. Or about that woman who just got arrested after conning people with promises of work abroad. It’s bigger. This is about us. The Kenyan public. The crowd that claps when a scammer makes it. The society that praises the hustle—no matter how dirty it is—because we all want to believe that wealth is within reach, if only we try hard enough. Or cheat cleverly enough. You’ve seen the headlines: “Suspected fraudster flaunted luxury lifestyle on TikTok” “Victims paid up to KES 500,000 each in fake visa fees” “Exposed: Scam kingpin now turned motivational speaker” And what’s wild? People still follow them. People still clap. Because we love a redemption story. Even if the “redemption” is just rebranding the scam. What It Takes to Be a Scammer in Kenya To scam in Kenya, you need three things: A deep understanding of desperation. A smooth tongue. And a society that rewards shortcuts. Scammers don’t create ho...

If you've ever listened to those "financial gurus" on YouTube or read self-help books by some big-shot American entrepreneur, you've probably come across all sorts of money advice that sounds smart—but makes absolutely zero sense in Kenya. If you’ve ever tried to implement this advice, you know it ends in premium tears. So, let’s break down the worst of these myths, why they don’t work here, and what actually makes sense for us, hapa Kenya. 1. "Save 6 Months’ Worth of Expenses Before Quitting Your Job" Why It’s Nonsense in Kenya: Let’s be honest, even saving one month’s expenses is a miracle for most Kenyans. The cost of living is skyrocketing, your salary is barely enough, and unexpected expenses (hospital bills, school fees, black tax) will finish your savings faster than you can say hustler fund. What Actually Works: Instead of waiting until you have a mythical six-month cushion, start building multiple income streams while still employed . Even a small s...