My name is Samuel, and I live in a rental in Nairobi. I also have a family home upcountry. I have three children: two are in primary school, and the eldest recently sat for their KCSE exams. I earn a net salary of Sh103,000. My monthly expenses include rent of Sh11,000; water and electricity Sh2,000; shopping (Nairobi) Sh6,000; shopping (upcountry) Sh10,000; power (upcountry) Sh1,500; wife’s allowance Sh10,000; transport Sh6,000; farm labourer (upcountry) Sh10,000; bank loan repayment Sh33,000 (Loan balance: Sh235,000; ending July 2025).
I took a Sh1 million loan to dig a borehole for irrigation farming, but it didn’t yield enough water for commercial use. Despite earning over Sh100,000, I struggle financially and lack significant investments. I want to secure my children’s future, start commercial dairy and poultry farming for my wife, and begin saving for retirement. How can I achieve this?
