The Financial AA

The Financial AA Reshaping money conversation with children. We are focused on providing financial literacy for children, teenagers and young adults.

We aim to build a savings culture from a young age so that they have the tools to be financially sound adults as they get older.

A real financial plan has layers. You add them one at a time. You do not need all of them today.Step 11 of Money Sobriet...
25/06/2026

A real financial plan has layers. You add them one at a time. You do not need all of them today.
Step 11 of Money Sobriety is the moment the work shifts from getting steady to building.
The order most plans follow:

Layer 1. Emergency fund (3 months of expenses).

Layer 2. Clear high-cost debt.

Layer 3. Insurance (medical, life).

Layer 4. Investing (sinking fund, bonds, shares, unit trusts).

Layer 5. Pension (beyond mandatory contributions).

Layer 6. Estate plan.

You build from the foundation up. Write down what you have. What you don't. What comes next.
If you don't know which layer is next, that is when a planner becomes useful.

Sobriety is a practice, not a finish line.You do not finish this work and graduate. You return to it monthly.Step 10 of ...
24/06/2026

Sobriety is a practice, not a finish line.
You do not finish this work and graduate. You return to it monthly.
Step 10 of Money Sobriety asks you to put a recurring date in your calendar. Say first Saturday of every month. 30 minutes.
When you sit down, look at three numbers.
Your net worth. What you own minus what you owe.
Your savings rate. What percentage of your income went to your future self this month.
Your debt balance. What remains. Is it shrinking?
The point is not to grade yourself. The point is to keep showing up. Some months the numbers will be better. Some months they will be worse. Both are fine.
What matters is that you returned. That you looked. That you stayed in the practice.
Money sobriety is a practice.

5% saved every month becomes a pension worth KES 14.8M.20% saved every month becomes a pension worth KES 59.1M.Same sala...
23/06/2026

5% saved every month becomes a pension worth KES 14.8M.
20% saved every month becomes a pension worth KES 59.1M.
Same salary. Different decision.
Step 9 of Money Sobriety is the rule that personal finance needs to name directly.
A rule that holds across decades and markets. 15 to 20 percent of your income, before anything else. Below 15% and you are not building. You are decorating.
Calculate 15% of your monthly income. Then 20%. Write both numbers down. The lower one is your floor. The higher one is your target.
This is not money you decide to save once you've covered everything else. This is the first amount that leaves your account when your salary lands. Rent comes second. Shopping come third. Everything else comes after.

Debts you don't name compound in the dark.Most people know roughly what they owe. They don't know what their debt actual...
18/06/2026

Debts you don't name compound in the dark.
Most people know roughly what they owe. They don't know what their debt actually costs them every year in interest. Two very different numbers.
Step 8 of Money Sobriety asks you to be precise. Every loan, every credit card, every digital lender, every "I'll pay you back next month."
Make this table for yourself. Balance, interest rate, annual interest paid.
Notice what compounds the most. The mobile loan at 90% p.a. and the credit card at 36% p.a. Together they often eat more interest than a much larger HELB or bank loan.
KES 87,050 of interest in one year on KES 583,500 of debt. Roughly one month's salary. Paid just to owe the money.
Highest rate first is where you focus. That is the map. Pay off the most expensive debt as soon as possible.

Want the full 12-step program? Download the free PDF, link in bio.

KES 3,000 a month. Redirected from one expense you barely noticed.In 2 years, at typical MMF returns of 10% p.a., that b...
17/06/2026

KES 3,000 a month. Redirected from one expense you barely noticed.
In 2 years, at typical MMF returns of 10% p.a., that becomes KES 79,000.
The start of a real emergency fund. From one small expense, sent somewhere better.
Step 7 of Money Sobriety is not about deprivation. It is about redirection. Take one of the leaks you marked in Step 6. The smallest is fine. The one you are most attached to is even better.
Stop it for thirty days. Move the money it would have cost you straight into your MMF instead.
Choose the expense. Calculate what you would save in a month. Set up the standing order to send it to your MMF today. Not "this week." Today.
Wealth doesn't have to be built on big decisions. It can be built on small redirections.
Want the full 12-step program? Download the free PDF, link in bio..

Your salary isn't the problem. The leaks are.Every month, money disappears into expenses that quietly drain you. Not the...
16/06/2026

Your salary isn't the problem. The leaks are.
Every month, money disappears into expenses that quietly drain you. Not the big bills. The small, habitual ones you stopped noticing.
Takeout three times a week. The gym you haven't been to since March. Friday drinks that turn into Saturday and Sunday. "Just-because" online shopping when you're tired. Mobile loan rollovers that keep stacking.
Add them up and most professionals are losing KES 15,000 to 40,000 a month to leaks they could plug without feeling poorer.
Step 6 of Money Sobriety asks you to find them. Not cut them yet. Just notice.
Mark three on your own list. The ones that left you wishing you had the money back. Every shilling has a job. These ones just need a better one.
Want the full 12-step program? Download the free PDF, link in bio.

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You have a hundred goals.Buy a home. Retire early. Educate the kids. Start a business. Travel. Be debt-free. All of it. ...
11/06/2026

You have a hundred goals.
Buy a home. Retire early. Educate the kids. Start a business. Travel. Be debt-free. All of it. At the same time. So you end up serving none of them.
Step 5 of Money Sobriety asks you to choose the most important one. Just one. The one that, if you achieved it, would change everything else.
Then make it specific.
Not "financial freedom." KES 8M in investments by my 45th birthday, so I can step back from full-time work.
Not "buy a house." KES 3M deposit on a 2-bedroom in Kiambu by December 2028.
The amount. The deadline. The reason. All on one line.
A goal without a number is a wish. A goal with a number is a plan.
Want the full 12-step program? Download the free PDF, link in bio.

You can't fix what you haven't measured.Most professionals can tell you their salary to the shilling. Ask them what thei...
10/06/2026

You can't fix what you haven't measured.
Most professionals can tell you their salary to the shilling. Ask them what their net worth is and they pause. Some go quiet.
Step 4 of Money Sobriety asks you to take a fearless inventory. Two columns on a single page.
What you own. Every bank account, every MMF, every SACCO share, every shilling in your pension, every asset you can put a number on.
What you owe. Every loan, every credit card, every mobile loan, every "I'll pay you back next month."
Subtract one from the other. That number is your net worth. It is the most honest personal finance number in your life.
Write it down. Not because it defines you, but because it is your starting line. You cannot move forward from a place you haven't measured.
Want the full 12-step program with worked example tables? Download the free PDF, link in bio.

Willpower fails. Systems don't.Every month you ask the same questions. Should I save this? Should I pay debt? Should I t...
09/06/2026

Willpower fails. Systems don't.
Every month you ask the same questions. Should I save this? Should I pay debt? Should I treat myself? By month-end, the discipline is gone.
A system removes the deciding. The right choice happens automatically, before you can talk yourself out of it.
Step 3 of Money Sobriety is the 3-pot system every professional should have running by the end of this week.
Pot 1: The check-off. Speak to HR about a pension check-off. Runs through payroll. You never see the money.
Pot 2: Future self. Set up a standing order to your MMF or unit trust the day your salary lands. First. Not last.
Pot 3: Living. What stays after Pot 2 and your fixed obligations. When it is gone, it is gone.
Setup takes one hour. The system runs for life.
A system is just a decision you made once.
Want the full 12-step program? Download the free PDF, link in bio.

How much can you save every month?If you can't answer in 10 seconds, you don't have a plan yet.Step 2 of Money Sobriety ...
03/06/2026

How much can you save every month?
If you can't answer in 10 seconds, you don't have a plan yet.
Step 2 of Money Sobriety is not about cutting expenses, hustling harder, or finding a side income.
It is about writing down the simplest possible budget. Income, minus expenses, equals what's left for your future self.
Most people skip this step. They keep telling themselves they will "get serious" once they earn more, once they pay off that loan, once life settles.
That version of you starts now. Today is the calm day.
The plan is not the perfect document. It is the first honest one.
Want the full 12-step program with a worked Kenyan budget example? Download the free PDF, link in bio.

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