I have been dealing with a problem in my foot for almost two weeks. This might not sound particularly dramatic. It isn't cancer. It isn't an emergency. It isn't even the kind of pain that stops me from going about my day. Which is perhaps why I found myself hesitating. You see, I am a walker. Not the kind of person who takes a stroll every now and then. I walk for two to three hours most days. Walking is how I think, how I clear my head, and how I make sense of the world. If there is one part of my body I should be willing to invest in, it is probably my feet. Yet when I started calling podiatrists in Nairobi, I found myself doing mental gymnastics. The cheapest consultation fee I found was KES 5,000. Consultation. Not treatment. Not scans. Not medication. Just the privilege of finding out what might be wrong. By the time everything was done, the bill could easily reach KES 15,000 or KES 20,000. And suddenly I found myself wondering whether I really needed a podiatrist. May...
Let’s be real: the 50/20/30 budgeting rule that financial gurus preach does not work in Kenya. Not when salaries are eaten alive by crazy living costs, family obligations, and the constant money-sucking emergencies that pop up like clockwork. If you think you can just allocate 50% of your income to needs, 20% to savings, and 30% to wants, you must be living in an alternate universe where unga is free, landlords take exposure as rent, and blackouts are just a myth. The Reality of Most Kenyan Earners Imagine earning KES 60,000 before taxes and deductions. That number looks good on paper, but let’s break it down: Tax & Deductions: Say goodbye to around KES 15,000 for NHIF, SHIF, Housing Levy and PAYE. Net Salary: You now have KES 45,000 to play with. Rent: A decent one-bedroom in a reasonable area costs KES 15,000–20,000. Transport: If you work in Westlands and live somewhere "affordable" like Rongai or Kitengela, your daily commute could cost you KES 400. That’s KES 8,0...