Money Wise with Rina Hicks

An auntie once told Rina at a bridal shower: "𝙄𝙛 𝙮𝙤𝙪 𝙝𝙖𝙫𝙚 𝙖 𝙟𝙤𝙞𝙣𝙩 𝙖𝙘𝙘𝙤𝙪𝙣𝙩, 𝙢𝙖𝙠𝙚 𝙨𝙪𝙧𝙚 𝘽𝙊𝙏𝙃 𝙤𝙛 𝙮𝙤𝙪 𝙢𝙪𝙨𝙩 𝙨𝙞𝙜𝙣. 𝘿𝙤𝙣'𝙩 𝙗𝙚 𝙛𝙤𝙤𝙡𝙞𝙨𝙝." 😂😂😂
She wasn't joking, she said it like she had lived an experience and lived to tell the tale!

But honestly... why did she feel so strongly about it?
• Perhaps she'd seen money destroy trust.
• Perhaps someone had withdrawn money without their spouse knowing.
• Perhaps she simply believed that marriage should mean financial transparency.
Here's the thing: There is no single "𝙘𝙤𝙧𝙧𝙚𝙘𝙩" way for couples to organise their money.
Joint account?
Separate accounts?
Both?
What matters is whether the couple has agreed:
- What money is shared?
- What remains personal?
- Who pays what?
- Who can access what?
- What happens during an emergency?
- What requires both people's consent?
Because "we are married" is not a financial system - you still need one.

Watch today's conversation with Rina and tell us: 𝙒𝙤𝙪𝙡𝙙 𝙮𝙤𝙪 𝙩𝙧𝙪𝙨𝙩 𝙮𝙤𝙪𝙧 𝙨𝙥𝙤𝙪𝙨𝙚 𝙬𝙞𝙩𝙝 𝙪𝙣𝙧𝙚𝙨𝙩𝙧𝙞𝙘𝙩𝙚𝙙 𝙖𝙘𝙘𝙚𝙨𝙨 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙢𝙤𝙣𝙚𝙮?

𝙒𝙝𝙮 𝙤𝙧 𝙒𝙝𝙮 𝙣𝙤𝙩?

Be honest.

When did "𝘸𝘦" become "𝙬𝙞𝙩𝙝𝙤𝙪𝙩 𝙮𝙤𝙪, 𝙄 𝙘𝙖𝙣'𝙩"?

There is a beautiful thing about marriage and partnership - you don't have to carry everything alone.
Sometimes your partner carries you.
Sometimes you carry them.
Sometimes one of you says, "Don't worry, I've got this."
Beautiful.

But there's a line we need to talk about, because "I've got you" can slowly become... "I've got to keep rescuing you." And those are not the same thing.

Picture a very Kenyan situation. Your parnter starts a biashara.
It doesn't work... 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.. Fair.
Then they need another loan... 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.
Then the biashara needs stock... 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.
Then the chama contribution is due... 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.
Then their car needs repairs... 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.
Then their cousin has an emergency, They ask you - 𝙔𝙤𝙪 𝙝𝙚𝙡𝙥.
Eventually your salary is doing more travelling than you are.😅😅

And when someone asks, "How are you doing financially?"
You say, "We're okay."
Beloved, are you really okay?
That's the question.

Financial codependency isn't necessarily one person being irresponsible and the other being generous, sometimes both people genuinely love each other, sometimes both people genuinely believe they are doing the right thing, but somewhere along the way, the relationship becomes financially unbalanced...
One person rescues.
One person depends.
Or one person controls.
And both become trapped in the pattern.

Healthy financial partnership doesn't mean never needing each other, it means 𝙗𝙤𝙩𝙝 𝙥𝙚𝙤𝙥𝙡𝙚 𝙧𝙚𝙢𝙖𝙞𝙣 𝙘𝙖𝙥𝙖𝙗𝙡𝙚, 𝙞𝙣𝙛𝙤𝙧𝙢𝙚𝙙 𝙖𝙣𝙙 𝙧𝙚𝙨𝙥𝙤𝙣𝙨𝙞𝙗𝙡𝙚.

• You can need your spouse without making them responsible for your entire financial existence.
• You can support your partner without sacrificing your own financial future.
• You can share money without surrendering financial agency.
• And you can love someone deeply while still saying: "I cannot afford to do this for you."
- That's not rejection, sometimes that's a boundary.

And sometimes.. It's the most loving thing you can say.

Did this post make you uncomfortable even in the slightest bit? Good! Let's have a quick free discovery call via [email protected]

We're going deeper into the money patterns that can quietly shape relationships.

𝗧𝗵𝗲 𝗜𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗡𝗼𝗯𝗼𝗱𝘆 𝗧𝗮𝗹𝗸𝘀 𝗔𝗯𝗼𝘂𝘁...

Most parents spend years asking themselves the same questions.
• "𝙒𝙞𝙡𝙡 𝙄 𝙖𝙛𝙛𝙤𝙧𝙙 𝙜𝙤𝙤𝙙 𝙨𝙘𝙝𝙤𝙤𝙡𝙨?"
• "𝙒𝙞𝙡𝙡 𝙄 𝙡𝙚𝙖𝙫𝙚 𝙩𝙝𝙚𝙢 𝙡𝙖𝙣𝙙?"
• "𝙒𝙞𝙡𝙡 𝙄 𝙥𝙖𝙮 𝙩𝙝𝙚𝙞𝙧 𝙪𝙣𝙞𝙫𝙚𝙧𝙨𝙞𝙩𝙮 𝙛𝙚𝙚𝙨?"
They're good questions, yes, but here's another one.

𝙒𝙝𝙖𝙩 𝙞𝙛 𝙩𝙝𝙚 𝙜𝙧𝙚𝙖𝙩𝙚𝙨𝙩 𝙞𝙣𝙝𝙚𝙧𝙞𝙩𝙖𝙣𝙘𝙚 𝙞𝙨𝙣'𝙩 𝙬𝙝𝙖𝙩 𝙮𝙤𝙪 𝙡𝙚𝙖𝙫𝙚 𝙮𝙤𝙪𝙧 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣... 𝙗𝙪𝙩 𝙬𝙝𝙖𝙩 𝙩𝙝𝙚𝙮 𝙬𝙖𝙩𝙘𝙝 𝙮𝙤𝙪 𝙙𝙤 𝙬𝙞𝙩𝙝 𝙢𝙤𝙣𝙚𝙮 𝙬𝙝𝙞𝙡𝙚 𝙮𝙤𝙪'𝙧𝙚 𝙨𝙩𝙞𝙡𝙡 𝙝𝙚𝙧𝙚?

Children notice more than we think...
They notice when money causes arguments.
They notice when bills are hidden.
They notice when debt becomes a family secret.
They notice when generosity is joyful.
They notice when saving becomes normal.

Long before children inherit your assets, they inherit your habits. And those habits often outlive the money itself.

Maybe this week isn't about asking, "What will I leave my children?"
Maybe it's asking, "What am I already teaching them?"

If you're ready to start building a financial legacy that lasts beyond your lifetime, Rina Hicks' MoneyWise is a practical place to begin.

A better inheritance starts with better conversations.

📖 Get your copy today: bit.ly/MoneyWiseBook

August has one assignment for you my friend... 𝙎𝙩𝙤𝙥 𝙙𝙚𝙥𝙚𝙣𝙙𝙞𝙣𝙜 𝙤𝙣 𝙤𝙣𝙚 𝙥𝙖𝙮𝙘𝙝𝙚𝙘𝙠 𝙩𝙤 𝙛𝙪𝙣𝙙 𝙤𝙣𝙚 𝙡𝙞𝙛𝙚.

Think about it.

If your employer stopped paying you tomorrow... How many other places would money come from?

For many of us... The answer is uncomfortable.
The good news? You don't need to quit your job and you do not need millions... You simply need to start building another stream.

Use what you already know.
Your profession.
Your skills.
Your experience.
Your network.
Your knowledge.

The world doesn't only pay people for what they know, 𝙞𝙩 𝙥𝙖𝙮𝙨 𝙥𝙚𝙤𝙥𝙡𝙚 𝙛𝙤𝙧 𝙝𝙤𝙬 𝙢𝙖𝙣𝙮 𝙬𝙖𝙮𝙨 𝙩𝙝𝙚𝙮 𝙘𝙖𝙣 𝙪𝙨𝙚 𝙬𝙝𝙖𝙩 𝙩𝙝𝙚𝙮 𝙠𝙣𝙤𝙬.

This August... Don't chase another salary, 𝙗𝙪𝙞𝙡𝙙 𝙖𝙣𝙤𝙩𝙝𝙚𝙧 𝙨𝙤𝙪𝙧𝙘𝙚!

Don't know where to start? Let us help you build a solid simplified personal financial plan by writing us on: [email protected]

Some people are waiting for things to go back to normal.

But what if... This 𝙄𝙎 the new normal?
• Technology won't slow down.
• AI won't apologise.
• Businesses won't stop evolving.
• The economy won't ask whether we're ready.

Here's the uncomfortable truth.
Kodak disappeared.
Typewriters disappeared.
DVD rentals disappeared.
BlackBerry disappeared.
Not because they were bad, but because the world changed.

The biggest financial risk today isn't change, it's refusing to change.
One income.
One skill.
One employer.
One plan.
That's no longer enough.

Don't fear change, 𝙥𝙧𝙚𝙥𝙖𝙧𝙚 𝙛𝙤𝙧 𝙞𝙩.

Like Rina keeps saying, "𝙊𝙣𝙚 𝙞𝙣𝙘𝙤𝙢𝙚 𝙞𝙨 𝙩𝙤𝙤 𝙘𝙡𝙤𝙨𝙚 𝙩𝙤 𝙣𝙤𝙣𝙚!"

Struggling to know how to start with the multiple streams of income? Rina's foundational book Moneywise is a great place to start: bit.ly/MoneyWiseBook

🛑 𝚂𝚃𝙾𝙿 𝙘𝙖𝙡𝙡𝙞𝙣𝙜 𝙚𝙫𝙚𝙧𝙮𝙩𝙝𝙞𝙣𝙜 𝙖𝙣 𝙚𝙢𝙚𝙧𝙜𝙚𝙣𝙘𝙮.🛑

Your friend's wedding isn't an emergency.
A new phone isn't an emergency.
A concert isn't an emergency.
December isn't an emergency.
Black Friday isn't an emergency.

𝙂𝙪𝙮𝙨...

An emergency is something you didn't plan for, couldn't reasonably avoid, and requires immediate action.

Here's why this matters...

Every time you dip into your investments to solve a short-term problem, 𝙮𝙤𝙪'𝙧𝙚 𝙖𝙨𝙠𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙛𝙪𝙩𝙪𝙧𝙚 𝙩𝙤 𝙥𝙖𝙮 𝙛𝙤𝙧 𝙩𝙤𝙙𝙖𝙮'𝙨 𝙡𝙖𝙘𝙠 𝙤𝙛 𝙥𝙧𝙚𝙥𝙖𝙧𝙖𝙩𝙞𝙤𝙣.

An emergency fund protects your investments from becoming your ATM - and that's why it's one of the smartest financial decisions you'll ever make.

𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝘁 𝘆𝗼𝘂𝗿𝘀 𝘆𝗲𝘁?

Struggling to build or mantain your Emergency fund? 👉🏾 bit.ly/MoneyWiseBook

𝗦𝗧𝗢𝗣 𝗟𝗘𝗧𝗧𝗜𝗡𝗚 𝗣𝗘𝗢𝗣𝗟𝗘 𝗧𝗛𝗜𝗡𝗞 𝗙𝗢𝗥 𝗬𝗢𝗨...

Harsh? 𝙈𝙖𝙮𝙗𝙚.
Necessary? 𝘼𝙗𝙨𝙤𝙡𝙪𝙩𝙚𝙡𝙮.
Every day someone searches...
"𝙒𝙝𝙚𝙧𝙚 𝙘𝙖𝙣 𝙄 𝙞𝙣𝙫𝙚𝙨𝙩 𝙞𝙣 𝙆𝙚𝙣𝙮𝙖?"
"𝙒𝙝𝙞𝙘𝙝 𝙈𝙈𝙁 𝙞𝙨 𝙗𝙚𝙨𝙩?"
"𝙒𝙝𝙖𝙩'𝙨 𝙩𝙝𝙚 𝙨𝙖𝙛𝙚𝙨𝙩 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩?"
"𝙃𝙤𝙬 𝙙𝙤 𝙄 𝙗𝙪𝙞𝙡𝙙 𝙬𝙚𝙖𝙡𝙩𝙝?"

But here's the bigger question...𝙒𝙝𝙚𝙣 𝙨𝙤𝙢𝙚𝙤𝙣𝙚 𝙛𝙞𝙣𝙖𝙡𝙡𝙮 𝙜𝙞𝙫𝙚𝙨 𝙮𝙤𝙪 𝙖𝙣 𝙖𝙣𝙨𝙬𝙚𝙧, 𝙙𝙤 𝙮𝙤𝙪 𝙠𝙣𝙤𝙬 𝙚𝙣𝙤𝙪𝙜𝙝 𝙩𝙤 𝙘𝙝𝙖𝙡𝙡𝙚𝙣𝙜𝙚 𝙞𝙩? 𝙊𝙧 𝙙𝙤 𝙮𝙤𝙪 𝙨𝙞𝙢𝙥𝙡𝙮 𝙨𝙖𝙮, "𝙄 𝙖𝙜𝙧𝙚𝙚, 𝙣𝙤𝙩𝙝𝙞𝙣𝙜 𝙛𝙪𝙧𝙩𝙝𝙚𝙧 𝙩𝙤 𝙖𝙙𝙙..."

Financial freedom doesn't belong to people who know everything, it belongs to people who refuse to stop learning.
𝘜𝘴𝘪𝘣𝘦𝘣𝘦𝘸𝘦 𝘢𝘬𝘪𝘭𝘪, 𝘬𝘶𝘸𝘢 𝘮𝘫𝘢𝘯𝘫𝘢!

Ask one more question.
Read one more chapter.
Understand one more concept.
𝙔𝙤𝙪𝙧 𝙛𝙪𝙩𝙪𝙧𝙚 𝙙𝙚𝙨𝙚𝙧𝙫𝙚𝙨 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙗𝙡𝙞𝙣𝙙 𝙩𝙧𝙪𝙨𝙩.

Grab your copy of Rina's financial literacy blueprint MoneyWise: Create, Grow & Preserve Wealth 👉🏾 bit.ly/MoneyWiseBook