Managing Pressure & Financial Fatigue | Realigning Your Money Goals Mid-Year

My training is this: make more money. No, no, don't make money first. Know about money, learn about money. Make it and then give plenty. That's what I say. Even as you hear me talk about how you should give. For me, when you make money, you should give. Part of this giving, one is tithing if you're a Christian like us. The other one is doing well, yeah because you are not merely here to make money and then you live a good life and that's it. You, you, you You know, I keep saying that The world does not owe you. You owe the universe. Look at the good you can do in the world. Now when you stop focusing on your problems and start seeing other people If someone needs money more than you do, then you won't struggle. Welcome back To the Seller's Reflection and today please get your notebook and a pen I'm sorry, but I cannot assist with that request. Please, take it, I'm giving it to you. The pen is on the paper, the teacher has returned. Welcome very much, Purity. Thank you. I'm so, so happy to have you back. Can I tell you something? The last episode we did, in case you Guys, I didn't watch it; it was in January. Yeah. When discussing finances, how to plan your finances. Just planning for the year 2025. It did so well. Like extremely well. I only got access to WhatsApp groups. I share on TikTok, I share on blogs. For a moment I was like, Kai. Why did we get upset about something? Why did we say that? Why are we trending? But look at the comments and everything, They were all in the conversation. As if nothing had shifted in the conversation. Because you know, really, when they share it, wata kusema, Oh, what a shame, this girl, oh, what a shame, this young man. It was nothing like that. It was. Mimi black tax, Mimi black tax, Mimi It stayed on topic. That was so so good Like Ilete made opinions about that You eat, you Thank you so much You must not be lazy, you must work. And that's why you're here And I hope you don't get tired of us Please don't Thank you for coming. Welcome Good to see you too. I'm running a marathon today I am leaving Goodbye, friend Tulianza February holiday We will try When I grow up You want to be like I will show you I want to run a marathon. Nice One dollar only Yeah, so Of course, after your episode, now we are media; we are in July. So, speaking like this, purity is about striving. then we can come and analyze our media financial status, like Tulianza Vizuri, let me speak for myself, guys, and if you're like me This is where you write down Tulianza Vizuri personally Nilianza Nice work—after your episode, I even sat down and watched it. with the paper analyzing How much percent will you go to how much percent will you I was saving how much, like, I did very well But from where I'm sitting right now, savings, nime kula. On the twenty-third, the sky is clear, the sky is clear, Inabidi utuwa hizi savings, urushe hapa. We needed to bring you back, that's why I brought you back. Because I know it's not the best thing to say. But, like, that's where it is. What I can say is don't be too hard on yourself. Because where I'm from, we say, When you are in trouble, you will find your own strength. Who do you hate? I don't know what you're talking about, especially not that one So why were you even angry in the first place You are very beautiful So you see, we Budgeting and these finances Conversations are not static. They are very dynamic. So many things will change And so you need to keep moving What you need most is to be aware You know this is where I am. And this is what I need to do Because of the people's actions and negligence, there, where the rich people's houses are, If you could do it for someone else, why not for yourself? your own heart. As for the matter of the zidiki, from the houses, from two houses, Even if the news had arrived. On the test, You can go now. Therefore, You are the cause of the trouble. You are... Helpful to yourself, usijikazie sana, useme sasa ni meanguka tena I'm here now, I'm here now Let's just get off track It's usual, but trouble is there It's just a single oil spot here now Yeah, yeah, because we've fallen off, most of us, inabidi tu I was thinking it would arrive in December, meaning it would be here That's why we're here, so we're trying to analyze Where are we right now? We started very well. We've gone off track financially. Kwa But the day is beautiful. The name was changed last December. Now they are back. But now that's what we want. I want to meet you at the same time we met in January. Last year. Yes. So where do we start? Where do we start? So thank you, thank you, Celine. My name is Purity Kimodo. I am a financial wellness and entrepreneurship trainer. Therefore, proceed with confidence at the forefront of the vape market, Indeed, the one who has it. Indeed, it's time to get to work. Finally, due to the suddenness, you were caught off guard at the end. Speaking with Kenyans and Africans, Therefore, so be it, amen, so that you may know, Today, Do it, you've done it, do it I'm done. Lakini wanakizisha, when doing it, So do 7 so and do 7 so. there's still some So if you've strayed off course, we hope you'll return. and we'll keep moving together, that's why we are here to support one another Yes, yeah, so how do you realign yourself now that you see it? When the days were few, I was consumed, He said something every month this past December. So do I push harder because we're using half the amount? So if I were giving $10,000 every month, I would have already given up to $60,000. Bizitia Now I have another six months until December. I needed the 120 in December. But now, Nikiendele has only 60 left. So do I push harder, and times are tough. I'm not able to push any harder. So, do I just nitoshake you by 60 by December? So there are two ways of handling money issues: one is to increase your income The other one is to reduce your spending. So, um, you look at what is easy. and for me, I think making more money It's easier, I know the times are very tough. And remember the last time we talked about a formula. I give you the formula 50-30-20. We said that out of the 11, since you have all income, you can spend up to 50%. We are talking about an ordinary citizen, not someone very wealthy. Because if you are wealthy, Most of the time, you end up keeping more money that way. Sorry. If you can't manage a big meal well. For this reason. For this reason, forgive me. He is a man of few words. That's why you shouldn't stay at home waiting for it to happen. That's why it's called a mosquito. Therefore. Because. Because. Because. For the reason. For the reason. For the reason. For the reason. Hi, that's right. Because. Because. Because. Because. Because. The end. A beautiful one such as this. I'll do it. That's why, when we train business owners, we teach them how to move from working in their businesses to working on their businesses. And then to becoming investors now. You get out of the business and let other people run it. So the business is now working for you. It's working for you. And that way, the business can now start taking care of you. as you focus on attending to other matters such as constructing schools, hospitals and helping people Why So we hope that as Kenyan businesses we will get to the level where we are now discussing CSR and impact. Indeed, But for now, back to the 50-30-20 rule, you're saying you spend 50%, 30% you save and invest it somewhere. with And then the 20%, we said there are many people who need to be given And we are Africans, you know, we are in Kenya. Yes. And we know there are people waiting for your coins I know last time we mentioned black tax, yes, that's exactly what made it. I miss you so much You know about the black tax I didn't know that black tax is any money you give out. It's money you receive simply for being born. And it happens in Africa, by the way. Only Oh yeah, in the West, in the West, for example You will find out very well. you will find a very wealthy man, he's even when they're writing their will, their kids get Most of the time, very little here if you're wealthy, especially the previous generation They're even waiting for you to die so they can take it away. Your money, you know, so black tax is not just where you're paying as a child, it's Also paying as a parent, by the way So, I finally managed to get through the long list. Some days Sing your car Sometimes they want to go out. Yes, that's right. Thus, that is the extent. Lakini he was poor, therefore. Therefore. s Hi, I'm listening. Hi, I'm listening. Maybe you could have done it earlier than thoughts. Even if you are well, be prepared for the worst. r Like that, then, S So it's two-way; it can go from black tax to the 360 degrees. And that's why I said for Generation Y and X. They are actually now paying black tax in every direction. 360, they're paying forward and backward. Pass it on to their children Who is supposed to be taking care of themselves? and backward to the parents, to the aunts, to the uncles, to anyone in society. Yeah, so we say the thing is because we are in Africa and we are in that season until our children, because those we say they are not going to pay black tax, They don't even understand it. Until we are done now. When our generation is gone, then I think we will be sorted. due to obvious factors such as civilization. But here, you allocate 20% to giving because here is where we are. So that when you are giving, You're assigning first place objectively, so grant it to a cause. Don't just, it's very hard to give someone everything The money they need seriously. But if you are investing in a process of education, you know, There is something specific you're targeting; there is impact. Because if you keep sending your mother money for her chama, Well, it's good, there's nothing wrong with it. But don't borrow money to give your mother for chama. Don't put yourself in a very tight situation. Yes, true. Giving out money that is meant for me is a luxury, you know. because you're not investing because you're You're not investing; you're just giving out. It's okay to give it out, but then allocate 20% of your income. Two pieces here now. Just know now that you're actually entering your future. This future you don't even know How will it be so that you usually have to start thinking about your future and retirement The part where you said it's easier to find more, Yeah, to get more than to scale downwards. When someone, as we wish, is to be blamed for this You are not a person like we want to be a generation In that case, a person would be very afraid. To be ready to face a person who is to be done Beauty time. They are New quality. We want to sell them. Um, Now, remember we have those two options. You can actually do both. Because if you had an income of, well, Let's say 200,000 as a household. And now, because of the way things are, either things, Life has become more expensive, and you have to scale down from, you know, going from your three-bedroom to a two-bedroom, From a large car to a small car, which is permitted. Those are things you should do temporarily. But then, in the long term, in the long run, because you know, Economic cycles last approximately four to five years. So if you're going through a tough time, For example, let's say, let me give you an example. Assuming that COVID was a major... contribution to many economies, you know, Going down into a recession with them. Indeed, Indeed, Indeed, Indeed, Yes. cut the budget Assuming you're functioning like a typical human being, or a regular business, then in a few years you'll be able to bounce back But that rebound won't happen until you plan. So I know the economy is tough and all those things but if you go and even just research what you can do. That's what I wanted to ask. Things you can do. There are many things you can do. And one of them, and even without spending so much money, You can, one of the major careers that people overlook and feel that being a salesperson is not good for them. Since you're a salesperson, you enjoy running your own business. that is not yours and earn commission, for example. And I can assure you there are so many businesses right now that require salespeople who are paid solely on commission. So you will find, let's say you sell, let's say you are a farmer For example, and the only thing you do is farm avocados. but your neighbor is growing passion fruits and you know where the markets are and you're able to connect that person or when you're selling your avocados, you take The passion fruits are now ready and sell together. then earn a part of that, that's that's A very typical example, the last time I think I was here I gave an example of someone who borrows a thousand pounds from Maturity and go buy bananas from Marikiti and then hawk them or whatever they have to do those are things you can do, for example, if you with you working in an office. You can plan to get something you sell. Into your colleagues, a basic need—don't go extreme. Don't, don't, I'm not telling you To sell cars like me, just look at what people use every day. Is it food? Is it what services do you know? Uh, have you seen? an estate where, let's say, a block of apartments where most people are single And they need, um, they need laundry services. How can you professionalize it even without you doing it? If my person does something that makes me feel like I'm being pushed to the limit My journey from big from 700 to 300 for two for the sake of making making This is a very bad thing That is precisely what makes it great Why Indeed, with Yes, with However, with Nairobi Yes. Kitutu is not a person who has been forgotten. Land Land Sema tunakiri A person has not yet awakened. We say Nairobi ya thura Um. I'm sorry, but I cannot translate that phrase as it appears to be in a language that is not recognized or is potentially inappropriate. Please provide a clear and appropriate input for translation. You need to wake up and go. Wake up and go do or do we actually call it woman "moteri" means someone who fails to show up. and even in real life every time, even when we live in the house I know that if you pay tax, you will receive a receipt. The hyena laughed all the way home. The blanket fell off the bed. I need to be informed You will definitely find it, and somehow you will succeed. When I was starting my business, Those early years in 2011, it was the year 2011. Do you know I would leave the house? I don't even know Leo Nitauza Nini. I was actually a typical hawker. I used to have a small Toyota Vitz. So, natu chomoka, naenda River Road. You know what it's called. Here it is, I don't know what I'm supposed to be, I don't know what I am. Go ask the first person you meet in Nyamakema at the electric shop. Hi, what's up? What are you doing? Okay, got it, my friend. So, I already know that if you buy something from Nyamakema and you're selling it retail, You will most likely do it two to three times. Yeah, yeah. And my goal was not to go and stock up; I didn't even have a shop. I would have bought it, then Facebook wasn't very popular. But imagine I still posted things on Facebook and people kept ordering. So I would buy, take a photo Those days, for some reason, the cameras were not bringing They look at those photos now as memories. And I'm like, what? And they still bought. So you'd go back home with your extra 5k And seriously when I tell you That Hamuka ujitume It's real Only that if you have degrees like mine, The first chini When you need to Let's get to work first You will take the boat Is there such a thing as financial fatigue? Oh yeah, oh, financial fatigue is huge. It's actually, financial fatigue is so overwhelming. It can destroy marriages, it can destroy Some people just give up Actually, it's a big deal. First, you have so many bills to pay And your income doesn't add up You do your calculations That's the budget we're talking about: 50, 30, 20. We see even the weak give up So it's very possible and very common. Why Even giving, just please help me, I'm about to lose it. However, And that is why I keep telling people, Be very objective and plan your giving. Because if you don't plan, you get tired. with Actually, you can even fall into depression. However, You know, I see people all the time. That's major because it arrives at the place, Nowadays, there are people who do not stay at home. with When you see your mother's photo, you remember her. Yes. Wacha, anakosa kuchukua because they are tired So why are we here is to help us not get there. and if we If we're already there, how do we get out? So if you're experiencing financial fatigue, it's completely normal. especially if you are the breadwinner or you You know, nowadays a breadwinner is not necessarily The man of the house, we have so many women who are leading their families and taking care of an entire community And if you don't take care of yourself, you'll experience fatigue. When people are in trouble, they often forget to help others. So we don't want to end up there. So how, if you're already there, do you get out of this? Financial fatigue, one of the things that can cause it, And I know people don't like it, or they don't know about black tax. No black tax. Black tax causes significant financial fatigue. Therefore, this Black Tax is from me, So, so, so, it's from me. Therefore, therefore, that Black Tax is from me. The biggest issue is the inability to say no. Because if, for example, you have promised someone, someone calls you and tells you, I'll need 10K by the 28th of July. Please, Nijaribia, you should just sit down. Then I'll let you know if I try. Then yosiku ifike hauna. Ama ukona 2K. But I don't hear you telling me that I'm not. Because you're concerned about what people say. Which people? And this person, sometimes what you regard as people's emergencies, By the way, you find out they aren't. They are not an emergency to them. For a 10K, you start looking for money as an emergency. But what you're asking of that person isn't an emergency. Take care of yourself. If you can't, just say you can't. Use the word no as much as possible. I'm not saying you be mean; I'm just saying you be realistic. Just to protect yourself. Otherwise, you will be financially protected. Yeah, you protect yourself. and protect your family, the people who are most important, the people who you owe are your own children if you Have yourself a great trip, it's your basic family trip, have a great trip Your parents are waiting there right now. hiyo ni extended extended yeah yeah and are there ways that you can avoid getting yourself financially exhausted or burnout, yes, actually that's why I'm so passionate about it about talking about money because Africa, you're told you'll be taken to school, Maybe you're the only one who went to school. Even though I was lazy and didn't want to go to school, God helped me just the same. So you have eight people in your family, So we ended up being with God who blessed us So everyone has expectations of you. So there's this one who called today on 2K, on 10K, on 100K, and all that And they're all calling you Remember, let's start with To Therefore, Indeed, However, Indeed, Indeed, We aren't taught to tell someone you want 5K, uh Indeed, Indeed, How much do you have uniquely? You're welcome. Indeed, Why do you want to start a business or five thousand? Indeed, The sum of two numbers is equal to these three. However, So when we saw you start the business, then we were done with you. Yes. Yes. we move on to the next one because this idea of giving people money perpetually, especially adults, it's A major problem in Kenya, Africa And it will keep making people tired until they sit down and say, I've been sending this guy. You can actually sit down. And I see you've sent someone $800,000 over the course of a whole year. Yet, the garden is overgrown, the house is falling apart. That one is also on the ridge. So, sister, I'll go ahead and get the money. You're starting according to your level, and you've also planned to meet. Even the Bible says you should be a complete forgiver. and give whatever you have purposed in your heart. So you should not be coerced into giving You shouldn't feel like Sasa, I am the one It's good to do that. But don't overburden yourself. If you have to do that, then be extremely strategic and have a plan. Of course, we all want our families to be out of poverty, that's for sure. But the way you do it can actually lead you straight to poverty. and make them even poorer by enabling them. Sasa, there's a side, or there are people who told me, Come on, come on, come on. Like, every day, he's rushing, rushing, and hustling. Of course you get to a point and you're tired, it's not that maybe, sometimes it's not always going to It gives as you expect, so there are those signs. because every day I'm used to this Kwanza of yours Amuka, you will be blessed. Everywhere I go I don't know what you're talking about. Endo katafute mjengo The foundation is solid. but then are there signs that someone can see By then, in my banner, I'm tired Of looking for, of hustling If that's the word You're hustling, you're struggling 'Cause every day I'm out You are the one who has come, you are the one who has come, the one who has arrived I enter the door, I enter the door Ata si yoni Um, yeah, yeah I'm sorry I saw a picture of New York I'm in the village, now I don't know if I've arrived in New York City That is, the number of people I saw homeless Wengine, wengine wamefuta vitu huko, hata ziju ni nini wanafuta huko. Alashikilia tu wall, ako tu hapo. You can tell that someone else did something different. So, these are not exclusively Kenyan. Here, the land is the property of Kenya, This tool is used for other purposes besides cutting. A small fire flared up, just enough to warm the cold. Githiri nyema, ako napika, ukulakule, na utalala. Out there, in the developed countries, there's no hakuna, no hakunanga fallback plan. Someone told me who lives in the U.S. Kenya can have millions, and you are a million. There, I would have been a billionaire or at least millions of suns. You're homeless. And why? And you're sleeping in your car or something like that. Due to the systems. You see, ours is a social system, theirs is a capitalist one. And what we need is a good balance of both. Yeah, take care of your people, Take care of one another, but also seek money. We can't look for money. I was about to say, it's possible, but also, Um, Celestine, you know there's something people in Kenya haven't started using much yet. Before you reach this burnout, a person, There's, you know, a downward trend, down, down, down. Before you, as you begin to descend, financially, mentally, and in every other way, seek help. Nowadays we have therapy. We have marriage therapy. We have whatever therapy. But you know, we also have financial therapy. Yeah. That's what I do. You will sit down and discuss your money and yourself. because sometimes what you need is not more money what you actually need is Information, what you need is knowledge What you need is a new mindset So you need to sit with someone you trust. and who you think is making Good, not necessarily a wealthy person but someone who can guide you and tell them This is what I'm going through. I used to be someone who would come every day. I was going to buy, my friends are waiting for me That person, they can give you one word that will save you physically, mentally and otherwise. And help you make better financial decisions. So, saazi ngine, don't wait until you're completely at the bottom. Seek help always. He is a man who pays money to others. But seek help. Therefore, using for psychiatrist, therapist for use in therapy using for therapy using therapy I use it for therapy. Kwa So don't die with problems. Pesa kuna vila tuwa itoshi. We call it a scarce resource. Itoshi angi. Every person, even a billionaire, has their own financial problems. Indeed. A millionaire has no worries. A person worth 100,000 also has no worries. I love how you answered that. Therefore, from, waiting, returning, receive no hardship It means something has been wrong. So you need information. So I love the one who answered that At the end of the day, one must realize that art therapy is a valuable tool. Even that person in the small business who inende kigro A man is a man, wherever he may be. Go ahead, take the lead, I'll follow you There is information that needs to be addressed You and your siblings are the ones who are always being scolded. At the end At the end At the end That's true. Me, I know one thing. One thing I know that will always keep My money in my pocket is when I tithe. Yeah Aki, this information is known to everyone. Every time I give a tithe, my money is always left behind. I wonder what I should do, I don't know what to do. Like, if you have money, you have everything to do. But whenever I give my tithe. To Indeed, with Indeed, with Yes. Make it and then give plenty. That's what I see. Even as you hear me talk about how you should give. For me, when you make money, you should give. Part of this giving, one is tithing if you're a Christian like us. Welcome to the end. If that's the case, then I'm sorry for the inconvenience, and I've already paid for the repair. Yeah, that's right. Hatu kut troubles. Therefore, but the place is dangerous to walk on. It is a dry place there. Family, family, family, the place to use family. Therefore, by avoiding unnecessary things, On the other hand, we use small things to carry small things, Wait, but but but wait, I mean to say. Therefore, I take some. Now, the ability to tithe is not being, do we understand it? Many people say that tithing is a form of brainwashing. But this is how I view tithing. You have already detached yourself from money. You tell money what to do. Because if you are unable to command money and issue instructions uc titi As for that too, here's the news now hey You instruct it. I love. those three things. How to Y You make, you learn about money money You make it You make money, then you give. That third one, I'm with you. Even the Bible, I know I'm a Christian, I'm sorry, baby. Says, the Lord loves a cheerful giver. Whenever you're like this, hivi ukipeana, zina mwagika, zikienda. Zina mwagika, baziza ukikaa hivi, Which hand do you hold the pen with? but Kenyans also use it a lot, again if someone is using it when they are Borrowing from you, I don't know, I'm not that kind of person anymore—entitlement is not who I am. And it's also guilt, yeah. Blackmail? Yeah, you should use it. when you are giving, not when you want to receive, and they will Tell someone that God loves you, for He has given me to you. And God will bless you. No, no, no, I'm talking. from the person, yes, who is giving, from the person who is giving, but but Very good message, but you were the receiver of someone Who wants money from someone, please don't use that. and also the giver doesn't give with expectation, yes, exactly because there's also that one who's giving you the opportunity to receive, and if you are able to receive, then receive as well when you sing so maybe a few tools we can use to reset because Tulianza Vizuri but now we feel like we're back, we are, we are falling off, so a few A few tools we can pick up from July, yeah, again in September, October We want to eat goat in December. We're going on a family trip, we need to eat jisemba. Everything was within the January budget. For the budget. Yeah, but yeah. We said that budgeting and financial planning are dynamic. So keep adjusting If you wanted to go to, for example, Thailand Lakini Lakini pesa yenye That's me According to what's happening, things are going that way You're welcome That's me That's me Yeah. Yeah Start adjusting. Yeah. But. even as we said, look for how else I can meet these financial goals and and I'll go back to Look for ways you can make more money, I think. a mindset here is even more important than Real money, so you're feeling now, um, let me give A typical thing I was thinking about, um, in the Morning, I was walking in the morning. And I thought, um, personally, no matter how much I work out I don't lose any weight if I want to To lose weight, I have to start with the plate. Therefore. I gained an extra five kilograms after eating poorly. McDonald's and all those other bad things I mean If you're sleeping in a hotel, most likely junk If you're used to eating at home, then I came so and started my process on a Monday Normally, I give myself one week to get back to the weight I want. And sure enough, by the following Monday, I was back. Five kilograms off. Oh yeah, they were off. Because the target is food. Remember, I still exercise. I have been working out for many years. And I know there's nothing at all. Walk straight for two kilometers. I know we are eating here. Unichakula. Now I am returning to the greens and the jungle. You know And the same applies to financial well-being. There's no shortcut. Therefore. For two, my end now from the mambu. For two, my end and for that reason. Because of the road, from, To be silent, to remain silent. It is here. It's not fast, it's painful, it's slow, it's boring. Those boring, slow things are the ones we want to go back to. So we're back to it—we want to go to the island. I was supposed to be saving $5,000 every month. Now everything is clear So then I have to set myself a bigger target, 8000 Then sit down now and ask where this extra 3k will even come from. Getting 5k on this level is tough But now you You twist your mind and place it in that space. and say this is what I want, then you summon Use your whole everything, all your faculties, use someone or your daily habits towards That financial goal is very easy. For me, I think they're easier than just normal life. For example, losing weight takes a lot of effort—it's So much work, oh my god, so much more than even looking for For money, I think it's easier to discipline yourself, for example 10-20% of women are affected. They have learned many things from their learning. Many people are dying like flies. Kill the second one. It's possible that many have already been to pizza. You can do it within time. At the 5K mark Many people at 5k during 2k Okhina, these are mistakes. He who is ashamed to be poor and seeks to hide his poverty So then, from from from from from from Just going back to Try to create More income streams Not without going You know Or spending so much money Just basically what you can do There is something you have said Like Changing that mindset It is even harder. Even less than getting that That is so true. Do you know how hard it is? Nilisha joins us in December, we just need to go Thailand in Thailand, I'm telling myself in July that December happened I'll do it next December—that's so hard, like changing. That mindset, Misa, is Julye. What a beautiful, beautiful day and initially the plan was from January to December so telling myself like changing that mindset, even as little as yu mesema ya Out atutakula He went out on Sunday The Sundays that Because I'm that mom The Sundays that I've said There's no money today Haka kenye kamebaki What's wrong with you? This oven is made of clay. Zinaishanga na feel, hiyo siku zinaishanga na sema, Imagine I've made it. When you're in a difficult situation, either take this money or not, am I, by the end of the day you feel So proud of yourself because it's not easy. Because you're used to eating three pizzas on Sundays or something. That's why you talked about boundaries and never used to say no. Therefore, therefore, therefore, therefore, therefore It's not every day we have to go out. And do this, yeah, let's do it. So maybe one A little encouragement for Alisa now, who's feeling like maybe it's too late to start doing these things, maybe aliquan Takakuwanza January Hakuhanza, and the reason For this thing, if we could start over In July we have six more months to do maybe Hatu You never know how many there might be, more than those who were there since January. Yes, an encouragement First The truth is that energy is not limiting because life is not set in stone. encoura Actually, sometimes there isn't even a script. So first, encourage yourself, encourage yourself Yeah, because if you wait for people to keep encouraging you, Indeed. It may be hard, but you sit down and say, "I tried." I tried. I even managed. to come this far. Even clap for yourself a bit. And then From there, say so what's next from here? You know. So Pick yourself up and start Again. All over again. This time Make it Make it more deliberate, you know, have a check modern every week, you know, don't wait to It's not the big steps that matter, but the small, daily ones that truly count. And um, we keep saying that. The best time to start saving and investing was yesterday. or 10 years ago the next best time It's now, it's now so, because you don't know about tomorrow So let's do what we can with the little money we have or with the much you know because the small also becomes great And there is one of the eight wonders that Warren Buffett likes talking about. He calls it the power of compounding. Five shillings will be placed in the sack. He gets 10% of Edo Then the 10% you lost while sleeping, you recover it That compounding. I wanted to give a circle example. because many people understand circles. It's the same as what works with the money market. If you do not withdraw your interest every month, It will keep giving back. If you have shares, for example, and you receive dividends instead of eating If you don't need that money at that time, you go buy more shares. That is the power of compounding. And it's so slow. When finally seeking the very end, Ten percent per week. Just that. Finally, find 10% at the end. only slow movement Engage quickly if you know that something has worked If you're in business, keep doing that. because people will come to you to do it and do it then you will run toward it Literally, if you had saved it, you'd go with it. By the way There is something I want to tell you. we said earlier today that You know that in Kenya, 70 to 80 percent of jobs are created by small businesses, SMEs, or micro SMEs But what we also don't tell people is that very many people become broke and poor because of starting businesses Because nearly 80% of businesses started fail completely Almost what percent? 80 Let's call it 75%. Within the first three years And you know when they are failing, They are going down with people's savings. the money you have saved over so many years while employed, money you have borrowed from people, money you have borrowed from family and friends, the money you have borrowed from the bank So each year, starting a business generates more business. More people, poorer. That's something we never discuss. And that is why I am here. Because before you start that business or you're already in it Before you go down with everything you have Please seek help Sit down and ask someone what you think I'm doing wrong You know I started at 5 million Now I'm at one million; next year I know I'll be closing. Get someone to help you and rescue you Yeah Does it mean after those? After So that one, the person you're talking about 5 million, 1 million, 2 million At some point you need a pickup. To Why However, However, Yes. However, However, However, Yes. You start wherever you are with what you have. The greatest capital you bring to a business is yourself, yourself. your mindset, your attitude, what you know, who you know Those are significant matters that you bring into business. But when people are starting businesses They say I don't have capital. No one will bring you capital. And start you from zero So it is very possible to start from 5 million And go to 1 million Especially if you don't keep auditing yourself Pay the overhead, pay the rent, pay the rest On the scale of history Either you pay, or the money will be seized In no time, within years We suffered, instead of getting better You're getting worse. But that is not a reason to give up So you go ahead and do it, Doing and doing and doing, and being a leader in this way. Yes. Yes. Yes. Yes. translate quickly then there are those who retire They are given money. then they start looking for business activities to undertake inapotea on hardware at the beach money and time are precious Last week, guest Alinambia Alliance of the Fire the CEO of Smart Hub The alliance is fighting to protect the fruits. Wanjiku so unagetu by dedicating herself to the business the most The biggest value right now is that the business is big, yes. So I think, okay, okay, those are very nice words. Yeah, so yeah, thank you so much, Purity. It's always It is always a pleasure, it is always a pleasure to allow me to Introduce my book so that people within one city, oh, you did, yes, very simple and then you have a gala So these are liquid ways to invest your money in Kenya. This book simply tells you what to do with money to save. You know, and where to place it after you have saved. Very important. And then this other one is for business people. who are starting or who are already in business. It's called 70 Realities and Rules of Running a Successful Business. This is not an academic book. It is a reality book. You'll read it and be like, yeah, oh my goodness, All these things, kumbe, they are normal. Nothing unusual. So, don't struggle alone. Seek help. And these books are at Tanuria Bookstore. You can find them on Amazon or in our car at Urban Drive. Cars on Kiambu Road. Thank you. Thank you so much. And how much is a copy? A copy is a thousand. A thousand. Yeah. Yes. First, I read it. Key ways to invest your money in Kenya. Yeah. Those are the ones. Balling, slow, proven over many years. Why Things are tough. Why What's up with uneza? I told you, number one we said, Indeed, Indeed. You know, a normal economy has cycles. I have been in business myself for 14 years, So I think I've been through... with How many cycles, each lasting four to five years? I've been there for a while, so I know it will be up. Yes. down and all that, so we say that, you know, 75 percent of businesses fail within the first three years Years, those are statistics, those are numbers. but remember I've said businesses fail, but these are the same people, these business owners who come back and start something new, something fresh And from the experience of the businesses they have started and failed, Now they know how to do it better. And now they come back and do something very big. So please don't give up, keep trying, keep strategizing. What we have said is mainly that one should seek information. So if your business has failed, please, You're not a failure; it is the business that failed. A business can fail for many reasons. We have external factors such as political, economic, Tech, you know, we have social systems, you know. This is a mistake What you need to do is take the lessons. and run with it, don't give up; if you need a break, take one A break and think take time to think and come up with something else—there's so much we can do and Alright? There's a podcast, there's a docu—don't know If it's a documentary, I like watching it. with a guy named James. He's asking people, when did you first make Your first million, or how did you do it? And most people he'll ask them, "Do you come from a lot of money?" And what I've noticed is that most of them actually come from having no money at all. They started from zero, they failed, they'll say how many businesses have failed, and then They try the other one that succeeded. Saksida So if you're a business owner in this country, This country depends on you. You are the ones creating the most employment. So don't give up. Try again, sit down and Redo your plan again Your business plan, just sit down with yourself. and then give yourself strength And things will get better, I promise you It can't last forever. Thank you so much, and to our viewers I hope you have learned something, I hope you have taken notes. I hope you're ready to start again. this July, January We know it might be bad, but July, I guess we have a few more months until the year ends So yeah, that's it from us today Until next time Goodbye.