Money Wise with Rina Hicks

Can we have an honest conversation, especially with the married couples? ❤️

A close aunt shared something that has stayed with me - she'd been married for ten years.
Her husband was a wonderful provider.
School fees? Paid.
Shopping? Done.
Bills? Handled.
She lacked nothing.
Then someone asked her..."If your husband wasn't here tomorrow...would you know where the family's money is?"

Silence.
She didn't know.
Not the bank.
Not the investments.
Not the debts.
Not the insurance.
Not even the monthly budget.
Now before anyone gets defensive... this isn't about blaming husbands, or blaming wives; it's about asking ourselves one uncomfortable question.

𝘏𝘢𝘷𝘦 𝘸𝘦 𝘮𝘪𝘴𝘵𝘢𝘬𝘦𝘯 𝘣𝘦𝘪𝘯𝘨 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳... 𝙬𝙞𝙩𝙝 𝙗𝙚𝙞𝙣𝙜 𝙥𝙧𝙚𝙥𝙖𝙧𝙚𝙙?
A healthy marriage isn't built on one person carrying all the financial knowledge, it's built on shared understanding.

Ladies... Learning about your family's finances isn't mistrust.
Gentlemen... Teaching your spouse isn't giving up control, it's protecting the people you love.

So here's my Monday question: 𝘾𝙤𝙪𝙡𝙙 𝙮𝙤𝙪𝙧 𝙨𝙥𝙤𝙪𝙨𝙚 𝙘𝙤𝙣𝙛𝙞𝙙𝙚𝙣𝙩𝙡𝙮 𝙢𝙖𝙣𝙖𝙜𝙚 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮'𝙨 𝙛𝙞𝙣𝙖𝙣𝙘𝙚𝙨 𝙞𝙛 𝙮𝙤𝙪 𝙬𝙚𝙧𝙚𝙣'𝙩 𝙖𝙧𝙤𝙪𝙣𝙙 𝙛𝙤𝙧 𝙨𝙞𝙭 𝙢𝙤𝙣𝙩𝙝𝙨?

Let's talk.

👉🏾 𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙘𝙤𝙣𝙫𝙚𝙧𝙨𝙖𝙩𝙞𝙤𝙣 𝙚𝙫𝙚𝙧𝙮 𝙘𝙤𝙪𝙥𝙡𝙚 𝙨𝙝𝙤𝙪𝙡𝙙 𝙝𝙖𝙫𝙚 𝙗𝙚𝙛𝙤𝙧𝙚 𝙩𝙝𝙚 𝙚𝙣𝙙 𝙤𝙛 𝙩𝙝𝙞𝙨 𝙮𝙚𝙖𝙧?

Let's close the week with a bit of an uncomfortable question, shall we?

If the thief called comparison disappeared tomorrow...
Would you still buy the same car?
Would you still move into that expensive apartment?
Would you still upgrade your phone with every edition that
Or are some of our financial decisions simply auditions for people who aren't paying our bills?

There was a story I read about a Nairobi professional.
BMW X6. ☑
Beautiful apartment. ☑
Respected by everyone. ☑

𝘽𝙪𝙩 𝙥𝙧𝙞𝙫𝙖𝙩𝙚𝙡𝙮?

• He admitted it was all financed by debt... 𝙖 𝙡𝙞𝙛𝙚𝙨𝙩𝙮𝙡𝙚 𝙝𝙚 𝙘𝙤𝙪𝙡𝙙𝙣'𝙩 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙖𝙛𝙛𝙤𝙧𝙙.
If you think about it, that story isn't really about him, it's about many of us.

Because debt doesn't always start with need, sometimes it starts with wanting to look like we've "𝙢𝙖𝙙𝙚 𝙞𝙩."

Meanwhile...
- The retirement account stays empty.
- The emergency fund never grows.
- The investments never begin.
So that uncomfortable question, here we go: 𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙥𝙪𝙧𝙘𝙝𝙖𝙨𝙚 𝙮𝙤𝙪'𝙫𝙚 𝙢𝙖𝙙𝙚 𝙟𝙪𝙨𝙩 𝙩𝙤 𝙠𝙚𝙚𝙥 𝙪𝙥 𝙬𝙞𝙩𝙝 𝙤𝙩𝙝𝙚𝙧 𝙥𝙚𝙤𝙥𝙡𝙚'𝙨 𝙚𝙭𝙥𝙚𝙘𝙩𝙖𝙩𝙞𝙤𝙣𝙨?

No judgement, just honesty.

And if you're trying to build wealth 𝙞𝙣𝙨𝙩𝙚𝙖𝙙 𝙤𝙛 𝙖𝙥𝙥𝙚𝙖𝙧𝙖𝙣𝙘𝙚𝙨, MoneyWise: Create, Grow & Preserve Wealth is full of practical lessons, mistakes I've made, and principles that can help you build with confidence - get it here: bit.ly/MoneyWiseBook - makes for an excellent weekend read!

First things first... I hope my fellow Kenyans and your loved ones are safe? 🤍🤍

As I watched everything happening yesterday, one thought wouldn't leave me alone... 𝙎𝙤𝙢𝙚 𝙤𝙛 𝙪𝙨 𝙝𝙖𝙫𝙚 𝙗𝙚𝙚𝙣 𝙙𝙚𝙢𝙤𝙣𝙨𝙩𝙧𝙖𝙩𝙞𝙣𝙜 𝙖𝙜𝙖𝙞𝙣𝙨𝙩 𝙤𝙪𝙧 𝙤𝙬𝙣 𝙛𝙪𝙩𝙪𝙧𝙚 𝙛𝙤𝙧 𝙮𝙚𝙖𝙧𝙨... Not loudly, quietly.

"𝘐'𝘭𝘭 𝘴𝘵𝘢𝘳𝘵 𝘯𝘦𝘹𝘵 𝘮𝘰𝘯𝘵𝘩."
"𝘐 𝘴𝘵𝘪𝘭𝘭 𝘯𝘦𝘦𝘥 𝘵𝘰 𝘭𝘦𝘢𝘳𝘯 𝘮𝘰𝘳𝘦."
"𝘖𝘯𝘤𝘦 𝘵𝘩𝘪𝘯𝘨𝘴 𝘴𝘦𝘵𝘵𝘭𝘦..."

This week's MoneyWise Newsletter introduces you to Sammy.

He's 32.
He isn't lazy.
He's actually incredibly responsible.
He researches everything.
Finance podcasts.
Investment books.
Budget spreadsheets.
Webinars.
Colour-coded plans.
Name it...

𝙏𝙝𝙚 𝙤𝙣𝙡𝙮 𝙥𝙧𝙤𝙗𝙡𝙚𝙢? 𝗛𝗲 𝗻𝗲𝘃𝗲𝗿 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘀𝘁𝗮𝗿𝘁𝗲𝗱.

If you've ever told yourself... "𝘐'𝘭𝘭 𝘥𝘰 𝘪𝘵 𝘭𝘢𝘵𝘦𝘳..." then this newsletter might feel uncomfortably personal.

Read it here: bit.ly/44AxUlT

Then subscribe: bit.ly/MoneywiseKE

Your future is quietly waiting for one decision, not another plan.

𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙩𝙝𝙞𝙣𝙜 𝙮𝙤𝙪'𝙫𝙚 𝙗𝙚𝙚𝙣 𝙥𝙤𝙨𝙩𝙥𝙤𝙣𝙞𝙣𝙜 𝙩𝙝𝙖𝙩 𝙙𝙚𝙨𝙚𝙧𝙫𝙚𝙨 𝙮𝙤𝙪𝙧 𝙛𝙞𝙧𝙨𝙩 𝙨𝙩𝙚𝙥 𝙩𝙝𝙞𝙨 𝙬𝙚𝙚𝙠?

How many Mondays have we told ourselves... "𝘼𝙠𝙞 𝙄'𝙡𝙡 𝙨𝙩𝙖𝙧𝙩 𝙣𝙚𝙭𝙩 𝙬𝙚𝙚𝙠!"

😂 Monday became February. February became June. Now somehow... we're already in July.

𝗦𝗼𝘂𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿?

Maybe this is the week you finally open that Money Market Fund.
Maybe this is the week you stop ignoring your debt.
Maybe this is the week you finally check your pension statement.
Maybe this is the week you start saving KSh 200 a day instead of saying, "𝑁𝑖𝑡𝑎𝑎𝑛𝑧𝑎 𝑛𝑖𝑘𝑖𝑠ℎ𝑎𝑝𝑎𝑡𝑎 𝑝𝑒𝑠𝑎 𝑦𝑎 𝑚𝑎𝑎𝑛𝑎."

Because here's the truth: The people building wealth aren't always earning more, they're simply making one more decision than everyone else.

One more deposit.
One more investment.
One more uncomfortable conversation.
One more disciplined choice.

, Please don't let another six months disappear while waiting for the "right time," - the right time rarely announces itself - it responds to action.

What's ONE financial move you'll make this week?

Write it below - we're your de facto accountability partner!

You know that friend who suddenly starts saying, "𝘉𝘳𝘰... 𝘴𝘪 𝘸𝘦 𝘨𝘰 𝘝𝘢𝘴𝘩𝘢 𝘵𝘩𝘪𝘴 𝘸𝘦𝘦𝘬𝘦𝘯𝘥?"
Meanwhile your account balance is whispering,."𝘗𝘭𝘦𝘢𝘴𝘦... 𝘭𝘦𝘵'𝘴 𝘫𝘶𝘴𝘵 𝘨𝘰 𝘵𝘰 𝘒𝘢𝘳𝘶𝘳𝘢."

😂😂😂

Meet Wanjiru, 33.
Decent job.
Saving consistently.
Things were actually going well..until Instagram convinced her she was behind.

Someone was in Zanzibar.
Another was buying a Prado.
Someone else had a proposal in the Maldives.
Another was opening a café.
Suddenly her own life looked... 𝙤𝙧𝙙𝙞𝙣𝙖𝙧𝙮.

So she stopped investing and started "𝙡𝙞𝙫𝙞𝙣𝙜."
Flights.
Brunches.
Designer handbags on Lipa Pole Pole.

𝙏𝙝𝙚 𝙛𝙪𝙣𝙣𝙮 𝙩𝙝𝙞𝙣𝙜?

Six months later she realised most of those people she envied had quietly disappeared.
One had sold the Prado.
The other had closed the café.
Another was drowning in debt.
One had rented the Airbnb just for photos.

Comparison showed her their highlights, it never showed her their bills.

Here's the truth: The grass isn't greener on the other side, 𝙞𝙩'𝙨 𝙜𝙧𝙚𝙚𝙣𝙚𝙧 𝙬𝙝𝙚𝙧𝙚 𝙨𝙤𝙢𝙚𝙗𝙤𝙙𝙮 𝙠𝙚𝙥𝙩 𝙬𝙖𝙩𝙚𝙧𝙞𝙣𝙜 𝙞𝙩.

Stay in your lane, water yours.

Tell me honestly... 𝙒𝙝𝙖𝙩'𝙨 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙨𝙤𝙘𝙞𝙖𝙡 𝙢𝙚𝙙𝙞𝙖 𝙖𝙡𝙢𝙤𝙨𝙩 𝙘𝙤𝙣𝙫𝙞𝙣𝙘𝙚𝙙 𝙮𝙤𝙪 𝙩𝙝𝙖𝙩 𝙮𝙤𝙪 "𝘯𝘦𝘦𝘥𝘦𝘥"?

😂 January was giving us... "𝙏𝙝𝙞𝙨 𝙮𝙚𝙖𝙧 𝙄'𝙡𝙡 𝙨𝙖𝙫𝙚 𝙖𝙩 𝙡𝙚𝙖𝙨𝙩 𝙆𝙎𝙝 𝟏𝟎,𝟎𝟎𝟎 𝙚𝙫𝙚𝙧𝙮 𝙢𝙤𝙣𝙩𝙝."
By February... "𝙆𝙬𝙖𝙣𝙞 𝙩𝙝𝙚 𝙘𝙤𝙨𝙩 𝙤𝙛 𝙡𝙞𝙫𝙞𝙣𝙜 𝙞𝙣 𝙩𝙝𝙞𝙨 𝙘𝙤𝙪𝙣𝙩𝙧𝙮 𝙝𝙖𝙨 𝙜𝙤𝙣𝙚 𝙢𝙖𝙙!?"
By April..."𝙏𝙝𝙚𝙨𝙚 𝙛𝙪𝙚𝙡 𝙥𝙧𝙞𝙘𝙚𝙨 𝙖𝙧𝙚 𝙡𝙞𝙠𝙚 𝙟𝙚𝙩 𝙛𝙪𝙚𝙡 𝙮𝙖𝙬𝙖..."

Now it's July and some of us have:
• Started and stopped.
• Budgeted and forgotten.
• Invested and withdrawn.
• Promised ourselves, "𝘕𝘦𝘹𝘵 𝘮𝘰𝘯𝘵𝘩."

Beloved... Before you beat yourself up...
Life happened.
School fees happened.
Fuel prices happened.
Global crises happened.
Adulting happened.
The math just didn't math...
But here's the beautiful thing about July... It doesn't ask where you've been, it asks: "𝘈𝘼𝙧𝙚 𝙬𝙚 𝙨𝙩𝙖𝙧𝙩𝙞𝙣𝙜 𝙛𝙧𝙤𝙢 𝙝𝙚𝙧𝙚?"

At MoneyWise, we believe small beginnings still count. So tell us... 𝙒𝙝𝙖𝙩 𝙢𝙤𝙣𝙚𝙮 𝙩𝙤𝙥𝙞𝙘 𝙨𝙝𝙤𝙪𝙡𝙙 𝙬𝙚 𝙪𝙣𝙥𝙖𝙘𝙠 𝙩𝙝𝙞𝙨 𝙢𝙤𝙣𝙩𝙝?

What are you struggling with?
Investing?
Debt?
School fees?
Marriage and money?
Money and faith?
Side hustles?
Financial anxiety?
Or something completely different?

𝗡𝗼 𝗷𝘂𝗱𝗴𝗺𝗲𝗻𝘁. 𝙅𝙪𝙨𝙩 𝙝𝙤𝙣𝙚𝙨𝙩 𝙘𝙤𝙣𝙫𝙚𝙧𝙨𝙖𝙩𝙞𝙤𝙣𝙨.

Let's build July together.

😭 𝘊𝘖𝘕𝘍𝘌𝘚𝘚𝘐𝘖𝘕 𝘛𝘐𝘔𝘌!

𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝗬𝗼𝘂: "𝘛𝘩𝘪𝘴 𝘺𝘦𝘢𝘳 𝘐'𝘮 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘴𝘢𝘷𝘦. 𝘐'𝘮 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘪𝘯𝘷𝘦𝘴𝘵. 𝘐'𝘮 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭𝘭𝘺 𝘥𝘪𝘴𝘤𝘪𝘱𝘭𝘪𝘯𝘦𝘥!"

𝗝𝘂𝗻𝗲 𝗬𝗼𝘂: "𝘈𝘯𝘺𝘸𝘢𝘺... 𝘞𝘢𝘤𝘩𝘢 𝘵𝘶𝘢𝘯𝘻𝘦 𝘵𝘶 𝘑𝘶𝘭𝘺... 𝘔𝘢𝘮𝘣𝘰 𝘺𝘢𝘬𝘢𝘸𝘢 𝘮𝘦𝘯𝘨𝘪 𝘫𝘢𝘮𝘢𝘯𝘪" 😂

Let's be honest. Sometimes it's not the economy delaying us. 𝗜𝘁'𝘀 𝘂𝘀.

Rina once shared something so simple it's easy to overlook. What if you put aside just KSh 200 every working day? - Yes, even gig workers!

Not KSh 20,000.
Not KSh 200,000.
Just KSh 200.

That's the fancy coffee.
The random delivery fee.
The "𝑤𝑎𝑐ℎ𝑎 𝑛𝑖𝑎𝑚𝑏𝑖𝑒 𝑚𝑤𝑖𝑙𝑖 𝑝𝑜𝑙𝑒" purchase that disappears by evening.

..And by the end of the month? Around KSh 4,000.

Enough to start a Money Market Fund.
Enough to buy shares.
Enough to join a SACCO.
Enough to pay down a stubborn debt.
Enough to prove something far more important than how much money you have.
𝗧𝗵𝗮𝘁 𝘆𝗼𝘂'𝗿𝗲 𝗳𝗶𝗻𝗮𝗹𝗹𝘆 𝘀𝗼𝗺𝗲𝗼𝗻𝗲 𝘄𝗵𝗼 𝗸𝗲𝗲𝗽𝘀 𝗽𝗿𝗼𝗺𝗶𝘀𝗲𝘀 𝘁𝗼 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳.

Here's the uncomfortable truth: Many of us aren't waiting for more money, we're waiting for more courage.

Don't let another day go by just like that... Let your "𝘖𝘯𝘦 𝘋𝘢𝘺" become your "𝘿𝙖𝙮 𝙊𝙣𝙚!" Your future doesn't need perfection -it just needs a beginning.

Still not sure how this money thing works? We gatchu! ↓

MoneyWise: Create, Grow & Preserve Wealth shows you exactly where to start, what to do and how to build wealth intentionally, even if you're starting small.

👉 bit.ly/MoneyWiseBook

Be honest... 𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙩𝙝𝙞𝙣𝙜 𝙮𝙤𝙪 𝙥𝙧𝙤𝙢𝙞𝙨𝙚𝙙 𝙮𝙤𝙪𝙧𝙨𝙚𝙡𝙛 𝙮𝙤𝙪'𝙙 𝙙𝙤 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡𝙡𝙮 𝙩𝙝𝙞𝙨 𝙮𝙚𝙖𝙧... 𝙗𝙪𝙩 𝙝𝙖𝙫𝙚𝙣'𝙩 𝙨𝙩𝙖𝙧𝙩𝙚𝙙 𝙮𝙚𝙩?

"𝗜'𝗺 𝟰𝟵... 𝙄𝙨 𝙄𝙩 𝙏𝙤𝙤 𝙇𝙖𝙩𝙚?"😭 😭

He didn't whisper because he was talking about debt... He whispered because he was talking about shame.

A friend I'll call Nkatha pulled me aside after a family gathering. "𝘾𝙖𝙣 𝙄 𝙖𝙨𝙠 𝙮𝙤𝙪 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙥𝙧𝙞𝙫𝙖𝙩𝙚𝙡𝙮?"

"Sure." I said.

"𝘠𝘰𝘶 𝘬𝘯𝘰𝘸, 𝘢𝘭𝘭 𝘵𝘩𝘦𝘴𝘦 𝘺𝘦𝘢𝘳𝘴, 𝘪𝘯 𝘮𝘺 𝘣𝘪𝘨 𝘢𝘨𝘦, 𝘐'𝘷𝘦 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘯𝘦𝘷𝘦𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘦𝘥 𝘣𝘺 𝘮𝘺𝘴𝘦𝘭𝘧 𝘣𝘦𝘧𝘰𝘳𝘦"

She was 49.

For years she'd watched friends discuss plots, SACCO dividends and investments. She'd nod along, smile... then go home and Google the words she didn't understand.

Not because she wasn't smart, she was just too embarrassed to ask.

Sound familiar?

Maybe your story is different.
Maybe it's the business that failed.
Maybe it's moving back home.
Maybe it's living on Fuliza longer than you'd like.
Maybe it's earning more than you ever have... and still wondering where the money went.

Life happened.
COVID happened.
Black tax happened.
School fees happened.
But don't let yesterday convince you that tomorrow has already been decided.

The shame of starting late has robbed more dreams than starting late ever could.
Today doesn't require perfection, 𝙞𝙩 𝙟𝙪𝙨𝙩 𝙧𝙚𝙦𝙪𝙞𝙧𝙚𝙨 𝙝𝙤𝙣𝙚𝙨𝙩𝙮.

Ask the question.
Start with KSh 500.
Open the investment account.
Read the book.
𝗕𝗲𝗴𝗶𝗻.

𝗠𝗼𝗻𝗲𝘆𝗪𝗶𝘀𝗲: 𝗖𝗿𝗲𝗮𝘁𝗲, 𝗚𝗿𝗼𝘄 & 𝗣𝗿𝗲𝘀𝗲𝗿𝘃𝗲 𝗪𝗲𝗮𝗹𝘁𝗵 is a practical guide for ordinary Africans who want to create, grow and preserve wealth, no matter where they're starting from.

Start here:
👉 bit.ly/MoneyWiseBook

❤️ Let's have an honest conversation.

What's one financial decision you've been postponing... not because you couldn't do it... but because you felt embarrassed that you hadn't started already?

Africa... let's have an honest conversation... 😭

Most of us have heard stories like this.
A father spends 40 years building.
A few parcels of land
A family business.
A farm.
Rental houses.
Some shares.
A SACCO account.
A pension.
Then one day he's gone. The family patriarch or matriarch for that matter, is gone.

And suddenly the conversations change.

"𝑊ℎ𝑎𝑡 𝑑𝑖𝑑 𝐷𝑎𝑑/𝑀𝑜𝑚 𝑤𝑎𝑛𝑡?"
"𝑊ℎ𝑜 𝑜𝑤𝑛𝑠 𝑡ℎ𝑖𝑠?"
"𝑊ℎ𝑜 𝑚𝑎𝑛𝑎𝑔𝑒𝑠 𝑡ℎ𝑎𝑡?"
"𝑊ℎ𝑒𝑟𝑒 𝑎𝑟𝑒 𝑡ℎ𝑒 𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑠?"
"𝐷𝑖𝑑 (𝑠)ℎ𝑒 𝑤𝑟𝑖𝑡𝑒 𝑎 𝑤𝑖𝑙𝑙?"
..𝘼𝙣𝙙 𝙗𝙚𝙛𝙤𝙧𝙚 𝙡𝙤𝙣𝙜, 𝙨𝙞𝙗𝙡𝙞𝙣𝙜𝙨 𝙬𝙝𝙤 𝙜𝙧𝙚𝙬 𝙪𝙥 𝙨𝙝𝙖𝙧𝙞𝙣𝙜 𝙖 𝙗𝙚𝙙𝙧𝙤𝙤𝙢 𝙖𝙧𝙚 𝙘𝙤𝙢𝙢𝙪𝙣𝙞𝙘𝙖𝙩𝙞𝙣𝙜 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙡𝙖𝙬𝙮𝙚𝙧𝙨.

Eiii...
Wueeeh.
Painful.
But common.

We've seen versions of this story play out publicly too.

The succession conversations around some of Kenya's best-known family estates, including the Kirima family estate, became a reminder of how difficult wealth transfer can be when families aren't aligned.

Not because families are bad, but because grief, money, uncertainty and silence are a dangerous combination.

𝗛𝗲𝗿𝗲'𝘀 𝘁𝗵𝗲 𝗹𝗲𝘀𝘀𝗼𝗻:
The goal isn't just to leave assets, 𝙩𝙝𝙚 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙩𝙤 𝙡𝙚𝙖𝙫𝙚 𝙘𝙡𝙖𝙧𝙞𝙩𝙮.
The goal isn't just to build wealth, 𝙩𝙝𝙚 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙩𝙤 𝙥𝙧𝙚𝙥𝙖𝙧𝙚 𝙥𝙚𝙤𝙥𝙡𝙚.
Because wealth without preparation can divide the very people it was meant to help.

👇 𝗟𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸.

Do you think African families discuss inheritance early enough? If not, why do you think that is?

10 years ago, Quinter, 26, had just gotten her first formal job at a bank in Nakuru.

Earning KShs. 40,000, she thought KShs. 2,000 was too small to matter.

Ten years later, she realised it was one of the most important decisions she ever made.

Not because it made her rich overnight.

Because it changed how she thought about her future.

If you've ever felt like everyone else is moving ahead while you're just trying to stay afloat, this story is for you.

Read Quinter's journey in our latest newsletter here: bit.ly/4g1E1q6