One of the easiest things in the world is to mistake an outcome for a story. A beautiful home. A thriving business. A failed marriage. A child in an expensive school. A forty-year-old with no savings. Someone who seems to have it all. Someone who appears to have fallen behind. We see the destination and instinctively begin filling in the journey. Hardworking. Lazy. Disciplined. Irresponsible. Lucky. Entitled. Deserving. Wasteful. Perhaps the most dangerous thing about human beings is not that we judge one another. It is how quickly we become certain that our judgment is correct. Because every life has invisible expenses. Not just financial ones. The kind that never appear on a bank statement or a résumé. Some are chosen. Some are imposed. Some are wise. Some are costly mistakes. Most are a complicated mixture of both. One person reaches middle age with very little savings because they spent years paying school fees for younger siblings. Another because they repeatedly made poor financi...
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...