KenyaOnAShoeString: Real Advice for Real Kenyans

In a country where the economy is as uneven as the Nairobi skyline—shiny towers next to aging flats—finding a personal money philosophy isn’t just helpful, it’s essential. Whether you’re single, dating, or married, how you interact with money shapes everything from your peace of mind to your future options. This article explores how to find your money philosophy through real Kenyan examples, the trade-offs involved, and how this philosophy can (and should) evolve over time. What Is a Money Philosophy—and Why Does It Matter? A money philosophy is your deeply personal belief about the role of money in your life. It answers the question: what is money for, to me? For some, money means safety—never going hungry again. For others, it’s about options, power, peace, or pleasure. Some want status, others want legacy. And many people, unknowingly, live out philosophies shaped by fear, scarcity, or childhood patterns. A money philosophy is not a budget. It’s not a plan. It’s the emotional and ps...

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...