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I’ve been earning Sh90,000 monthly for 18 months now, but I have no savings or investments
Building wealth requires time, discipline, and consistent effort. Track your progress regularly, adjust your plans as needed, and celebrate milestones along the way.
My name is Gilbert. I’m 29 years old and have been working in my current job for about one and a half years now. My net monthly salary is Sh80,000, and I earn an additional Sh10,000 to Sh20,000 from client tokens and appreciations. Despite this, I’m struggling financially.
I don’t have any tangible savings or investments to show for my earnings. I own a car, which I purchased with partial funding from a microfinance institution. I’m currently paying Sh35,000 per month towards the loan, with an outstanding balance of Sh420,000, including interest. I also support my sister, who’s in college, with Sh15,000 monthly.
