Money Wise with Rina Hicks

Money Wise with Rina Hicks Unlock financial freedom with Money-Wise!

Join us on the journey to wealth creation, growth, preservation and ultimately financial success with expert insights and tips.

31/08/2026

"๐˜ฝ๐™ช๐™ฉ ๐™ข๐™ฎ ๐™จ๐™–๐™ก๐™–๐™ง๐™ฎ ๐™ž๐™จ ๐™ฃ๐™ค๐™ฉ ๐™š๐™ฃ๐™ค๐™ช๐™œ๐™." Maybe... But before we blame the salary, let's do something uncomfortable, let's follow your money trail.

Imagine two people.
One earns KSh 30,000, another earns KSh 300,000.

Both tell you: "I have so many expenses."
Both are probably telling the truth.
Because the minute income rises, our definition of "necessary" has a funny way of rising with it.
Suddenly:
Uber is necessary.
The bigger house is necessary.
The latest phone is necessary.
The weekend outing is necessary.
And somehow saving KSh 3,000 becomes impossible.

Rina's advice is brutally practical:
1. Save at least 10% of every income.
2. Reduce expenses.
3. Find another income stream.
4. Make a plan to get rid of consumer debt.
5. Invest what you save.
Not tomorrow, not when life settles - ๐™‰๐™ค๐™ฌ!
Because "๐™„'๐™ก๐™ก ๐™จ๐™ฉ๐™–๐™ง๐™ฉ ๐™ฌ๐™๐™š๐™ฃ ๐™„ ๐™š๐™–๐™ง๐™ฃ ๐™ข๐™ค๐™ง๐™š" has kept many people financially stuck for years.

So let's make this practical.
๐Ÿ‘‰๐Ÿพ Which ONE will you start this week?
โ€ข Save 10%
โ€ข Cut expenses
โ€ข Increase income
โ€ข Attack debt
โ€ข Invest

Comment the number. Then go do it.

28/08/2026

๐™‚๐™š๐™ฃ ๐™•... ๐™†๐™ช๐™Ÿ๐™š๐™ฃ๐™ž ๐™๐™–๐™ฅ๐™–... ๐™ฉ๐™ค ๐™ฉ๐™๐™š ๐™›๐™ง๐™ค๐™ฃ๐™ฉ! - ๐™”๐™Š๐™ ๐˜ผ๐™๐™€ ๐™‰๐™Š๐™ ๐™๐™Š๐™Š ๐™”๐™Š๐™๐™‰๐™‚.

Twenty-one-year-old you is saying: "I'm still young. I have time."
Thirty-year-old you is saying: "I wish I had started at 21."
And somehow, the years in between just disappeared.
Not dramatically, just slowly.
One semester became another.
One attachment became another.
You were waiting for a job.
Waiting to graduate.
Waiting for capital.
Waiting to feel ready.
Waiting for someone to take you seriously.

Meanwhile, there was a girl on campus selling clothes from Gikomba to her classmates.
No boutique.
No investor.
No rich uncle.
No business degree.
Just a good eye, an old sewing machine, an iron box and the audacity to start before she felt ready - and that is the part we keep missing.
She wasn't less afraid than you. She just started earlier.
By the time some of her classmates were asking, "What job can I get?"
She was asking: "Who can I hire?"

Your twenties are not a waiting room.
And no, we are not saying everyone must start a biashara.
But surely, there is something you can begin learning, building, creating, selling or mastering while you are still young.
A skill.
A service.
A side hustle.
A business.
An investment habit.
Something.

Because one day you will discover something nobody told you clearly enough: ๐—ง๐—ถ๐—บ๐—ฒ ๐˜„๐—ฎ๐˜€ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐—ถ๐—ด๐—ด๐—ฒ๐˜€๐˜ ๐—ฎ๐˜€๐˜€๐—ฒ๐˜ ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐—ฏ๐—ฒ๐—ฐ๐—ฎ๐—บ๐—ฒ ๐—ผ๐—ป๐—ฒ.

So please...
Start ugly.
Start small.
Start from your hostel room.
Start from your parents' house.
Start with that old laptop that sounds like it is preparing for take-off.
Start with KSh 500.
Start by learning.
๐—•๐˜‚๐˜ ๐˜€๐˜๐—ฎ๐—ฟ๐˜.

Your future self is not coming to rescue you - You ๐™–๐™ง๐™š your future self - Just younger, and with more time.

๐Ÿ‘‡๐Ÿพ Tell me in the comments: ๐™’๐™๐™–๐™ฉ ๐™ž๐™จ ๐™ค๐™ฃ๐™š ๐™ฉ๐™๐™ž๐™ฃ๐™œ ๐™ฎ๐™ค๐™ช'๐™ซ๐™š ๐™—๐™š๐™š๐™ฃ ๐™จ๐™–๐™ฎ๐™ž๐™ฃ๐™œ ๐™ฎ๐™ค๐™ช'๐™ง๐™š "๐™ฉ๐™ค๐™ค ๐™ฎ๐™ค๐™ช๐™ฃ๐™œ" ๐™ฉ๐™ค ๐™จ๐™ฉ๐™–๐™ง๐™ฉ?

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—™๐—ถ๐—ฟ๐˜€๐˜ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐— ๐—ฎ๐˜† ๐—ก๐—ผ๐˜ ๐—Ÿ๐—ผ๐—ผ๐—ธ ๐—Ÿ๐—ถ๐—ธ๐—ฒ ๐—ฎ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€...๐™”๐™š๐™ฉ!It might look like:"๐˜Š๐˜ข๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฐ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฆ?""๐˜ž๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ฅ๐˜ช๐˜ฅ ๐˜บ๐˜ฐ๐˜ถ ๐˜จ๐˜ฆ๐˜ต ๐˜ต๐˜ฉ...
25/08/2026

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—™๐—ถ๐—ฟ๐˜€๐˜ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐— ๐—ฎ๐˜† ๐—ก๐—ผ๐˜ ๐—Ÿ๐—ผ๐—ผ๐—ธ ๐—Ÿ๐—ถ๐—ธ๐—ฒ ๐—ฎ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€...๐™”๐™š๐™ฉ!

It might look like:
"๐˜Š๐˜ข๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฐ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฆ?"
"๐˜ž๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ฅ๐˜ช๐˜ฅ ๐˜บ๐˜ฐ๐˜ถ ๐˜จ๐˜ฆ๐˜ต ๐˜ต๐˜ฉ๐˜ข๐˜ต?"
"๐˜Š๐˜ข๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ ๐˜ต๐˜ฆ๐˜ข๐˜ค๐˜ฉ ๐˜ฎ๐˜ฆ?"
"๐˜—๐˜ญ๐˜ฆ๐˜ข๐˜ด๐˜ฆ ๐˜ฉ๐˜ฆ๐˜ญ๐˜ฑ ๐˜ฎ๐˜ฆ ๐˜ง๐˜ช๐˜ฏ๐˜ฅ ๐˜ฐ๐˜ฏ๐˜ฆ ๐˜ต๐˜ฐ๐˜ฐ."

Grace had heard versions of those questions before... She simply didn't realise they were clues.

She was a uni student with a good eye for clothes, an old iron box and a habit of finding gems where everyone else saw piles of second-hand clothing.
She thought she was having fun.
She thought she was helping people.
She thought it was just a hobby.....until the orders came.
Then more people came.
And slowly, her "๐‘™๐‘–๐‘ก๐‘ก๐‘™๐‘’ ๐‘กโ„Ž๐‘–๐‘›๐‘”" became something that didn't just make her money... ๐™„๐™ฉ ๐™˜๐™ง๐™š๐™–๐™ฉ๐™š๐™™ ๐™Ÿ๐™ค๐™—๐™จ!

So here's the question : ๐™’๐™๐™–๐™ฉ ๐™ž๐™› ๐™ฎ๐™ค๐™ช๐™ง ๐™—๐™ž๐™œ๐™œ๐™š๐™จ๐™ฉ ๐™ค๐™ฅ๐™ฅ๐™ค๐™ง๐™ฉ๐™ช๐™ฃ๐™ž๐™ฉ๐™ฎ ๐™๐™–๐™จ ๐™–๐™ก๐™ง๐™š๐™–๐™™๐™ฎ ๐™ซ๐™ž๐™จ๐™ž๐™ฉ๐™š๐™™ ๐™ฎ๐™ค๐™ช, ๐™—๐™ช๐™ฉ ๐™ฎ๐™ค๐™ช'๐™ซ๐™š ๐™—๐™š๐™š๐™ฃ ๐™ฉ๐™ค๐™ค ๐™—๐™ช๐™จ๐™ฎ ๐™˜๐™–๐™ก๐™ก๐™ž๐™ฃ๐™œ ๐™ž๐™ฉ "๐˜ฏ๐˜ฐ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜จ ๐˜ด๐˜ฆ๐˜ณ๐˜ช๐˜ฐ๐˜ถ๐˜ด"

Your millions may not begin with a big loan, a job title or a brilliant idea.

They may begin with the thing people keep asking you to do.

๐Ÿ‘‰๐Ÿพ Read Grace's full story here: https://bit.ly/MWVol20

While you're there, subscribe to MoneyWise and get a new thought-provoking story delivered to your inbox every other Tuesday.

๐Ÿ’ฌ ๐™’๐™๐™–๐™ฉ ๐™ž๐™จ ๐™ฉ๐™๐™š ๐™ค๐™ฃ๐™š ๐™ฉ๐™๐™ž๐™ฃ๐™œ ๐™ฅ๐™š๐™ค๐™ฅ๐™ก๐™š ๐™ ๐™š๐™š๐™ฅ ๐™–๐™จ๐™ ๐™ž๐™ฃ๐™œ ๐™ฎ๐™ค๐™ช ๐™ฉ๐™ค ๐™๐™š๐™ก๐™ฅ ๐™ฉ๐™๐™š๐™ข ๐™ฌ๐™ž๐™ฉ๐™?

SHARE this with a young person who keeps saying, "๐˜ ๐˜ฅ๐˜ฐ๐˜ฏ'๐˜ต ๐˜ฌ๐˜ฏ๐˜ฐ๐˜ธ ๐˜ธ๐˜ฉ๐˜ข๐˜ต ๐˜ ๐˜ค๐˜ข๐˜ฏ ๐˜ฅ๐˜ฐ."

21/08/2026

BE CAREFUL WHAT YOU CALL "๐˜ฝ๐˜ผ๐˜ฟ ๐™ˆ๐™Š๐™‰๐™€๐™” ๐™ƒ๐˜ผ๐˜ฝ๐™„๐™๐™Ž..."

Sometimes they're actually old survival strategies.

A child who grew up with scarcity ๐™ข๐™–๐™ฎ ๐™—๐™š๐™˜๐™ค๐™ข๐™š ๐™–๐™ฃ ๐™–๐™™๐™ช๐™ก๐™ฉ ๐™ฌ๐™๐™ค ๐™๐™ค๐™–๐™ง๐™™๐™จ ๐™ข๐™ค๐™ฃ๐™š๐™ฎ.
A child who watched parents fight about money ๐™ข๐™–๐™ฎ ๐™—๐™š๐™˜๐™ค๐™ข๐™š ๐™–๐™ฃ ๐™–๐™™๐™ช๐™ก๐™ฉ ๐™ฌ๐™๐™ค ๐™–๐™ซ๐™ค๐™ž๐™™๐™จ ๐™›๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™ž๐™–๐™ก ๐™˜๐™ค๐™ฃ๐™ซ๐™š๐™ง๐™จ๐™–๐™ฉ๐™ž๐™ค๐™ฃ๐™จ.
A child who was rewarded with things ๐™ข๐™–๐™ฎ ๐™ก๐™š๐™–๐™ง๐™ฃ ๐™ฉ๐™ค ๐™–๐™จ๐™จ๐™ค๐™˜๐™ž๐™–๐™ฉ๐™š ๐™จ๐™ฅ๐™š๐™ฃ๐™™๐™ž๐™ฃ๐™œ ๐™ฌ๐™ž๐™ฉ๐™ ๐™ก๐™ค๐™ซ๐™š.
A child who had to become responsible very young ๐™ข๐™–๐™ฎ ๐™—๐™š๐™˜๐™ค๐™ข๐™š ๐™ฉ๐™๐™š ๐™–๐™™๐™ช๐™ก๐™ฉ ๐™ฌ๐™๐™ค ๐™›๐™š๐™š๐™ก๐™จ ๐™œ๐™ช๐™ž๐™ก๐™ฉ๐™ฎ ๐™จ๐™ฅ๐™š๐™ฃ๐™™๐™ž๐™ฃ๐™œ ๐™–๐™ฃ๐™ฎ๐™ฉ๐™๐™ž๐™ฃ๐™œ ๐™ค๐™ฃ ๐™ฉ๐™๐™š๐™ข๐™จ๐™š๐™ก๐™ซ๐™š๐™จ.

And then marriage happens...

Two people arrive at the same dining table... ๐™ฌ๐™ž๐™ฉ๐™ ๐™˜๐™ค๐™ข๐™ฅ๐™ก๐™š๐™ฉ๐™š๐™ก๐™ฎ ๐™™๐™ž๐™›๐™›๐™š๐™ง๐™š๐™ฃ๐™ฉ ๐™›๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™ž๐™–๐™ก ๐™๐™ž๐™จ๐™ฉ๐™ค๐™ง๐™ž๐™š๐™จ.

One says: "Let's invest."
The other says: "But what if something happens?"
One says: "We can afford it."
The other hears: "We're about to lose everything."
One says: "Let's put it in a joint account."
The other thinks: "Absolutely not."

๐—ช๐—ต๐—ผ'๐˜€ ๐—ฟ๐—ถ๐—ด๐—ต๐˜?

Sometimes... neither; they're simply responding from different histories.

The work isn't to become identical,๐™ž๐™ฉ'๐™จ ๐™ฉ๐™ค ๐™ช๐™ฃ๐™™๐™š๐™ง๐™จ๐™ฉ๐™–๐™ฃ๐™™ ๐™ฌ๐™๐™ฎ ๐™ฎ๐™ค๐™ช ๐™—๐™š๐™๐™–๐™ซ๐™š ๐™ฉ๐™๐™š ๐™ฌ๐™–๐™ฎ ๐™ฎ๐™ค๐™ช ๐™™๐™ค, ๐™ฉ๐™๐™š๐™ฃ ๐™™๐™š๐™˜๐™ž๐™™๐™š ๐™ฌ๐™๐™š๐™ฉ๐™๐™š๐™ง ๐™ฉ๐™๐™–๐™ฉ ๐™—๐™š๐™๐™–๐™ซ๐™ž๐™ค๐™ช๐™ง ๐™จ๐™ฉ๐™ž๐™ก๐™ก ๐™จ๐™š๐™ง๐™ซ๐™š๐™จ ๐™ฎ๐™ค๐™ช.

So, MoneyWise family: What money personality did your upbringing create?
โ€ข Saver?
โ€ข Hoarder?
โ€ข Spender?
โ€ข Avoider?
โ€ข Giver?
โ€ข Controller?
โ€ข Risk-taker?

Tell us your personality and the childhood experience you think shaped it - that conversation is where the real learning begins.

18/08/2026

There is a particular kind of exhaustion that eight hours of sleep cannot fix. ๐™”๐™ค๐™ช ๐™ ๐™ฃ๐™ค๐™ฌ ๐™ฉ๐™๐™š ๐™ค๐™ฃ๐™š...
You wake up tired.
You go to work tired.
You answer emails while eating.
You promise your family, "This weekend I'll be free.".Then something "urgent" happens.
Again.
And again.
๐˜ผ๐™ฃ๐™™ ๐™–๐™œ๐™–๐™ž๐™ฃ!

Meet Brian. 47. Successful. Respected. Group CEO.
The sort of man whose phone rings before sunrise because apparently the company cannot survive until 7:30am.
His calendar screamed SUCCESS.
His wife called it SURVIVAL.
Then his daughter asked him: "๐˜ฟ๐™–๐™™๐™™๐™ฎ... ๐™ฌ๐™๐™š๐™ฃ ๐™™๐™ค ๐™ฎ๐™ค๐™ช ๐™ฉ๐™๐™ž๐™ฃ๐™  ๐™ฎ๐™ค๐™ช'๐™ก๐™ก ๐™œ๐™š๐™ฉ ๐™๐™š๐™ง๐™š?"
He told her he was already there.
She replied: "๐™‰๐™ค. ๐™„ ๐™ข๐™š๐™–๐™ฃ ๐™ง๐™š๐™–๐™ก๐™ก๐™ฎ ๐™๐™š๐™ง๐™š."
That sentence changed something in him.

Because perhaps the most uncomfortable financial question isn't: "๐˜๐˜ฐ๐˜ธ ๐˜ฎ๐˜ถ๐˜ค๐˜ฉ ๐˜ฅ๐˜ฐ ๐˜ ๐˜ฏ๐˜ฆ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ณ๐˜ฆ๐˜ต๐˜ช๐˜ณ๐˜ฆ?"
Maybe it's: "๐™’๐™๐™–๐™ฉ ๐™–๐™ข ๐™„ ๐™จ๐™–๐™˜๐™ง๐™ž๐™›๐™ž๐™˜๐™ž๐™ฃ๐™œ ๐™ฉ๐™ค ๐™—๐™š๐™˜๐™ค๐™ข๐™š ๐™›๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™ž๐™–๐™ก๐™ก๐™ฎ ๐™จ๐™ช๐™˜๐™˜๐™š๐™จ๐™จ๐™›๐™ช๐™ก?"

Read Brian's story in today's MoneyWise Minute: bit.ly/MWVol19
And if this sounds painfully familiar, subscribe.

Because every Tuesday, we'll challenge the money beliefs hiding underneath everyday life.

Question: ๐™„๐™› ๐™ฎ๐™ค๐™ช ๐™˜๐™ค๐™ช๐™ก๐™™๐™ฃ'๐™ฉ ๐™ฌ๐™ค๐™ง๐™  ๐™›๐™ค๐™ง ๐™จ๐™ž๐™ญ ๐™ข๐™ค๐™ฃ๐™ฉ๐™๐™จ, ๐™ฌ๐™ค๐™ช๐™ก๐™™ ๐™ฎ๐™ค๐™ช ๐™ ๐™ฃ๐™ค๐™ฌ ๐™ฌ๐™๐™ค ๐™ฎ๐™ค๐™ช ๐™–๐™ง๐™š ๐™ค๐™ช๐™ฉ๐™จ๐™ž๐™™๐™š ๐™ฎ๐™ค๐™ช๐™ง ๐™Ÿ๐™ค๐™—?

17/08/2026

Where are my married folk at? This one's for you - ๐™–๐™œ๐™–๐™ž๐™ฃ!
So...
- ๐™”๐™ค๐™ช pay the bills.
- ๐™”๐™ค๐™ช pay the maid.
- ๐™”๐™ค๐™ช buy the food.
- ๐™”๐™ค๐™ช handle the day-to-day expenses... But your husband uses his money to buy land and investments... with everything in his name.
And everyone says: "๐˜๐˜ต'๐˜ด ๐˜ข๐˜ญ๐˜ญ ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ง๐˜ข๐˜ฎ๐˜ช๐˜ญ๐˜บ."Ok... Wonderful, great!

But let me ask you something uncomfortable: ๐™„๐™› ๐™ฎ๐™ค๐™ช'๐™ซ๐™š ๐™ž๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™š๐™™ ๐Ÿ๐ŸŽ ๐™ฎ๐™š๐™–๐™ง๐™จ ๐™ค๐™› ๐™ฎ๐™ค๐™ช๐™ง ๐™ก๐™ž๐™›๐™š ๐™ž๐™ฃ๐™ฉ๐™ค ๐™ฉ๐™๐™–๐™ฉ ๐™ข๐™–๐™ง๐™ง๐™ž๐™–๐™œ๐™š, ๐™ฌ๐™๐™–๐™ฉ ๐™๐™–๐™ซ๐™š ๐™ฎ๐™ค๐™ช ๐™ž๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™š๐™™ ๐™ž๐™ฃ๐™ฉ๐™ค ๐™ฎ๐™ค๐™ช๐™ง ๐™ค๐™ฌ๐™ฃ ๐™›๐™ž๐™ฃ๐™–๐™ฃ๐™˜๐™ž๐™–๐™ก ๐™จ๐™š๐™˜๐™ช๐™ง๐™ž๐™ฉ๐™ฎ?

This isn't about preparing for divorce, far from it, it's simply about preparing for life.
Death.
Illness.
Job loss.
Separation.
Disability.
Unexpected change.
You don't have to distrust your partner, but you should know your family's financial position - ๐™–๐™ฃ๐™™ ๐™ฌ๐™๐™š๐™ง๐™š ๐™ฎ๐™ค๐™ช ๐™จ๐™ฉ๐™–๐™ฃ๐™™ ๐™ฌ๐™ž๐™ฉ๐™๐™ž๐™ฃ ๐™ž๐™ฉ... because paying the bills is also a financial contribution.

So here's today's debate: ๐™’๐™ค๐™ช๐™ก๐™™ ๐™ฎ๐™ค๐™ช ๐™—๐™š ๐™˜๐™ค๐™ข๐™›๐™ค๐™ง๐™ฉ๐™–๐™—๐™ก๐™š ๐™จ๐™ฅ๐™š๐™ฃ๐™™๐™ž๐™ฃ๐™œ ๐™ฎ๐™š๐™–๐™ง๐™จ ๐™˜๐™ค๐™ฃ๐™ฉ๐™ง๐™ž๐™—๐™ช๐™ฉ๐™ž๐™ฃ๐™œ ๐™ฉ๐™ค ๐™– ๐™๐™ค๐™ช๐™จ๐™š๐™๐™ค๐™ก๐™™ ๐™ฌ๐™๐™ž๐™ก๐™š ๐™š๐™ซ๐™š๐™ง๐™ฎ ๐™ข๐™–๐™Ÿ๐™ค๐™ง ๐™–๐™จ๐™จ๐™š๐™ฉ ๐™ง๐™š๐™ข๐™–๐™ž๐™ฃ๐™จ ๐™ž๐™ฃ ๐™ฎ๐™ค๐™ช๐™ง ๐™จ๐™ฅ๐™ค๐™ช๐™จ๐™š'๐™จ ๐™ฃ๐™–๐™ข๐™š?

Yes?
No?
Somewhere in between?

Please indulge me and tell me why.

And please... let's debate the idea, not each other's marriages. ๐Ÿ˜‚

13/08/2026

An auntie once told Rina at a bridal shower: "๐™„๐™› ๐™ฎ๐™ค๐™ช ๐™๐™–๐™ซ๐™š ๐™– ๐™Ÿ๐™ค๐™ž๐™ฃ๐™ฉ ๐™–๐™˜๐™˜๐™ค๐™ช๐™ฃ๐™ฉ, ๐™ข๐™–๐™ ๐™š ๐™จ๐™ช๐™ง๐™š ๐˜ฝ๐™Š๐™๐™ƒ ๐™ค๐™› ๐™ฎ๐™ค๐™ช ๐™ข๐™ช๐™จ๐™ฉ ๐™จ๐™ž๐™œ๐™ฃ. ๐˜ฟ๐™ค๐™ฃ'๐™ฉ ๐™—๐™š ๐™›๐™ค๐™ค๐™ก๐™ž๐™จ๐™." ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚
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?
โ€ข Perhaps she'd seen money destroy trust.
โ€ข Perhaps someone had withdrawn money without their spouse knowing.
โ€ข Perhaps she simply believed that marriage should mean financial transparency.
Here's the thing: There is no single "๐™˜๐™ค๐™ง๐™ง๐™š๐™˜๐™ฉ" 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: ๐™’๐™ค๐™ช๐™ก๐™™ ๐™ฎ๐™ค๐™ช ๐™ฉ๐™ง๐™ช๐™จ๐™ฉ ๐™ฎ๐™ค๐™ช๐™ง ๐™จ๐™ฅ๐™ค๐™ช๐™จ๐™š ๐™ฌ๐™ž๐™ฉ๐™ ๐™ช๐™ฃ๐™ง๐™š๐™จ๐™ฉ๐™ง๐™ž๐™˜๐™ฉ๐™š๐™™ ๐™–๐™˜๐™˜๐™š๐™จ๐™จ ๐™ฉ๐™ค ๐™ฎ๐™ค๐™ช๐™ง ๐™ข๐™ค๐™ฃ๐™š๐™ฎ?

๐™’๐™๐™ฎ ๐™ค๐™ง ๐™’๐™๐™ฎ ๐™ฃ๐™ค๐™ฉ?

Be honest.

Somewhere in many African families is that one person.The one who pays the fees.Sends Mum money.Rescues the biashara.Han...
11/08/2026

Somewhere in many African families is that one person.

The one who pays the fees.
Sends Mum money.
Rescues the biashara.
Handles the hospital bill.
Contributes to the funeral committees.
And somehow still hears: "๐™”๐™ค๐™ช'๐™ง๐™š ๐™ฉ๐™๐™š ๐™ค๐™ฃ๐™š ๐™ฌ๐™๐™ค ๐™๐™–๐™จ ๐™ข๐™–๐™™๐™š ๐™ž๐™ฉ."

๐— ๐—ฒ๐—ฟ๐—ฐ๐˜† ๐˜„๐—ฎ๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป.

Except there was something nobody could see on the outside - Her own financial future was quietly being sacrificed to keep everyone else's future moving.

Then one day, a child's drawing forced her to confront a question she'd spent years avoiding: "๐™„๐™› ๐™ฃ๐™ค๐™—๐™ค๐™™๐™ฎ ๐™ฃ๐™š๐™š๐™™๐™š๐™™ ๐™ข๐™š ๐™–๐™ฃ๐™ฎ๐™ข๐™ค๐™ง๐™š... ๐™ฌ๐™๐™ค ๐™ฌ๐™ค๐™ช๐™ก๐™™ ๐™„ ๐™—๐™š?"

That question changed everything.

Read Mercy's story in this week's MoneyWise Minute.

bit.ly/MWVol18

Then tell us: What are you carrying that was never really yours?

10/08/2026

When did "๐˜ธ๐˜ฆ" become "๐™ฌ๐™ž๐™ฉ๐™๐™ค๐™ช๐™ฉ ๐™ฎ๐™ค๐™ช, ๐™„ ๐™˜๐™–๐™ฃ'๐™ฉ"?

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... ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.. Fair.
Then they need another loan... ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.
Then the biashara needs stock... ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.
Then the chama contribution is due... ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.
Then their car needs repairs... ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.
Then their cousin has an emergency, They ask you - ๐™”๐™ค๐™ช ๐™๐™š๐™ก๐™ฅ.
Eventually your salary is doing more travelling than you are.๐Ÿ˜…๐Ÿ˜…

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 ๐™—๐™ค๐™ฉ๐™ ๐™ฅ๐™š๐™ค๐™ฅ๐™ก๐™š ๐™ง๐™š๐™ข๐™–๐™ž๐™ฃ ๐™˜๐™–๐™ฅ๐™–๐™—๐™ก๐™š, ๐™ž๐™ฃ๐™›๐™ค๐™ง๐™ข๐™š๐™™ ๐™–๐™ฃ๐™™ ๐™ง๐™š๐™จ๐™ฅ๐™ค๐™ฃ๐™จ๐™ž๐™—๐™ก๐™š.

โ€ข You can need your spouse without making them responsible for your entire financial existence.
โ€ข You can support your partner without sacrificing your own financial future.
โ€ข You can share money without surrendering financial agency.
โ€ข 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.

06/08/2026

๐—ง๐—ต๐—ฒ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ก๐—ผ๐—ฏ๐—ผ๐—ฑ๐˜† ๐—ง๐—ฎ๐—น๐—ธ๐˜€ ๐—”๐—ฏ๐—ผ๐˜‚๐˜...

Most parents spend years asking themselves the same questions.
โ€ข "๐™’๐™ž๐™ก๐™ก ๐™„ ๐™–๐™›๐™›๐™ค๐™ง๐™™ ๐™œ๐™ค๐™ค๐™™ ๐™จ๐™˜๐™๐™ค๐™ค๐™ก๐™จ?"
โ€ข "๐™’๐™ž๐™ก๐™ก ๐™„ ๐™ก๐™š๐™–๐™ซ๐™š ๐™ฉ๐™๐™š๐™ข ๐™ก๐™–๐™ฃ๐™™?"
โ€ข "๐™’๐™ž๐™ก๐™ก ๐™„ ๐™ฅ๐™–๐™ฎ ๐™ฉ๐™๐™š๐™ž๐™ง ๐™ช๐™ฃ๐™ž๐™ซ๐™š๐™ง๐™จ๐™ž๐™ฉ๐™ฎ ๐™›๐™š๐™š๐™จ?"
They're good questions, yes, but here's another one.

๐™’๐™๐™–๐™ฉ ๐™ž๐™› ๐™ฉ๐™๐™š ๐™œ๐™ง๐™š๐™–๐™ฉ๐™š๐™จ๐™ฉ ๐™ž๐™ฃ๐™๐™š๐™ง๐™ž๐™ฉ๐™–๐™ฃ๐™˜๐™š ๐™ž๐™จ๐™ฃ'๐™ฉ ๐™ฌ๐™๐™–๐™ฉ ๐™ฎ๐™ค๐™ช ๐™ก๐™š๐™–๐™ซ๐™š ๐™ฎ๐™ค๐™ช๐™ง ๐™˜๐™๐™ž๐™ก๐™™๐™ง๐™š๐™ฃ... ๐™—๐™ช๐™ฉ ๐™ฌ๐™๐™–๐™ฉ ๐™ฉ๐™๐™š๐™ฎ ๐™ฌ๐™–๐™ฉ๐™˜๐™ ๐™ฎ๐™ค๐™ช ๐™™๐™ค ๐™ฌ๐™ž๐™ฉ๐™ ๐™ข๐™ค๐™ฃ๐™š๐™ฎ ๐™ฌ๐™๐™ž๐™ก๐™š ๐™ฎ๐™ค๐™ช'๐™ง๐™š ๐™จ๐™ฉ๐™ž๐™ก๐™ก ๐™๐™š๐™ง๐™š?

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.

๐Ÿ“– Get your copy today: bit.ly/MoneyWiseBook

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