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Joel James, Amalemba, Kakamega (2025)

31/07/2025

“I’ll start investing when I have more money.”
It sounds logical — but it’s dangerously misleading.

As a finance professional, I’ve seen this delay rob people of wealth that should have been theirs.

Because the truth is, money does not grow because you have more.

It grows because you use what you already have wisely.

I remember sitting with a young professional who earned 150k monthly. She wanted to “save first, then start investing later.”

So for months, she saved with no structure, no financial goal and no inflation protection.

At the same time, her colleague, who earned the same amount, began small with a cooperative investment.

Then moved into treasury bills. Later, real estate contribution.

Guess what?
Today, one still has money in a savings account that has lost value.

The other has a 3.5 million portfolio and counting.

You don’t wait to have excess before you start building wealth.

You start with understanding — then move with discipline.

This is why financial education is not optional anymore. You don’t stumble into wealth by chance.

You build it — one intentional decision at a time.

If you’re reading this and still waiting for “more money,” ask yourself:

“If I’m not managing the little I have, what makes me think I’ll manage more?”

Every 10k you keep idle could have been a seed.

Don’t just work for money.

Let your money work for you.

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31/07/2025

There is one most important thing about investing that many young people fail to realize they have.

Many infact end up approaching investing the wrong way and regret their entire life .

What comes into your mind when you hear the word investing?

Many individuals think of it as something that needs alot of money .

Do you know that having alot of money isn't a guarantee that you'll become successful in investing?

Many young people have that single advantage of investing.

What do you think it is?

It is none other than the compounding logic.

For newbie investors, one crucial piece of advice is to start early with what you have .

Compound interest can work wonders over time.

Even small, consistent investments can grow significantly.

Don't wait – begin with what you can afford, and let time work in your favor.

Want more investing tips or guidance on getting started?

Comment below.

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30/07/2025

Some people wondering, how come the Kenyan shilling has continued appreciating against the US dollar, and yet there are no jobs, companies are shutting down, and SMEs are struggling to stay afloat?

Today the Kenyan shilling is trading at 129.20 per 1 US dollar compared to 168.09 last year.

For those who don't understand simple economic mathematics, the answer is this:

There's no money in circulation.

And since the money has been withdrawn from the market (perhaps hoarded somewhere for future use), a demand for a shilling increases daily.

When demand for a currency is higher than its supply, its value increases.Consequently, this ongoing scarcity means that local businesses will keep feeling the heat since there's little money to keep them afloat.

Now wait, once the hidden trillions are released to the market, perhaps during 2027 campaigns, the value of the shilling will fall drastically.

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30/07/2025

Why do you think you can't save part of your income?

And if you do save ,why do you think it is always not easy to save consistently?

The problem is that people feel like the future is not real.

And that's why they find it difficult to save for the future.

What if I told you some secret today 🤔

Do you know that if your employer decided to slash just 10% of your income,you won't feel that pinch so much.

In addition,you won't quit that job because of a 10% cut on your salary.

That tells you how you can start your investing journey which literally begins with saving part of your income.

If you have difficulties with saving part of your income,transfer that task to your HR department.

Just have a talk with them and agree on the amount that you can start saving.

This will help you automate your savings whereby you get your salary after your savings have been deducted.

Make sure the savings are channelled to an interest bearing account.

The foundation of building wealth starts with setting aside a portion of your income that you lock away automatically in an interest bearing avenue.

"Whether you think you can or you cannot ,you are right" ~Henry Ford.

Just start.

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30/07/2025

Are you stuck between paying your debts and investing?

Wondering on where more of your money should go?

Then this post is for you...

Prioritizing debt repayment can help you grow financially in several ways:

- *Reduces Interest Payments*: Paying off high-interest debts saves you money in interest payments over time.

- *Frees Up Money*: Eliminating debt payments frees up more money in your budget for savings, investments, and other financial goals.

- *Improves Credit Score*: Paying off debts can improve your credit score, making it easier to access credit at favorable interest rates in the future.
- *Reduces Financial Stress*: Paying off debts can reduce financial stress and anxiety, allowing you to focus on building wealth.

Consider focusing on high-interest debts first, such as credit card balances, while making minimum payments on lower-interest debts like student loans or mortgages.

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30/07/2025

Financial Management is a challenge to this era,not because they don't understand but simply not doing what they know.

Knowing and understanding how money works isn't the finish line.

There is alot more to work on .

The following 3 main aspects can be a roadmap to understanding your personal finance and taking the right steps to get better.

If you don't know where to hit your first nail,use the following.

1.What is your income?

2.How do you spend it ?

3.How are you saving or investing?

How else do you manage your personal finances if you do?

If you can't understand the basics,you can't get it right however much you earn.

Comment below.

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30/07/2025

More Money Won’t Make you rich ,ask me why.

30/07/2025

I met someone recently who said, “I don’t like budgeting. It stresses me out.”

So I asked: “How do you know when you’ve overspent?”

She replied, “When I start borrowing or begging.”

I wish this was a joke, but it’s the way many people live — emotionally, not intentionally.

They plan vacations, but never plan their expenses.

They know the price of everything in big malls but don’t know how much they can afford to spend this month.

Then they wonder why the month always feels longer than their money.

Budgeting is not punishment.

It is simply telling your money where to go before it leaves you.

Even businesses that want to grow must operate with a budget.

Why then should your personal life run without one?

There is no wisdom in avoiding structure.

The absence of financial planning creates a cycle of stress and scarcity.

You don’t have to make millions to live with financial sense.

You just need to be intentional with every naira.

So let me ask you:
Do you currently have a budget that you actually follow?
And if not… what’s stopping you?

Joel James

30/07/2025

One surprising reason why you may be struggling financially like many is financial illiteracy.

Personal finance is no longer something to be looked down upon but a serious aspect .

Have you ever thought of making more money?Then personal finance should be your daily bread.

Accept that you don’t know everything and start unlearning some things as you learn new ones .

Become teachable.

Personal finance is all about managing your money, including income, expenses, savings, investments, and debt. It's essential because it helps you:

1. Achieve financial stability and security
2. Make smart financial decisions
3. Reach long-term goals (e.g., buying a house, retirement)
4. Reduce stress and anxiety related to money

Effective personal finance involves budgeting, saving, investing, and managing debt.

It's crucial for building a strong financial foundation and securing your future.

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30/07/2025

You want to earn more money?

It is obvious that no one would want to earn less,alright?

But wait...

What if I told you that may be that's not the right direction or approach.

Money management is a game and before you get into it ,you must know the rules.

If not ,you will always want more.

But that more won't help you and perhaps you won't get it .

You can't approach your personal finances from that direction of I want to have more.

Before you have that more that you may be after,

Are you genuine with the little that you've getting now?

Do you spend it appropriately?

Do you prioritize important aspects?

Or just spend for the sake of immediate gratification...

Personal finance and proper management isn't no longer something to be treated casually.

It is a serious aspect that is part and parcel of our lives.

Your financial achievements depend alot on the smallest financial choices you may be making daily without thinking about their outcome.

Proper financial management involves tracking your income and expenses,setting financial goals and allocating funds appropriately.

Do you have any challenge with managing your finances especially proper budgeting?

Reach up to me for help.

Comment below for further engagement.

Don't hesitate to follow Joel James for timely insights.

30/07/2025

Money doesn’t multiply just because you earn more, it multiplies because you manage it better.

I’ve sat across high-income earners who are still broke by the 20th of every month.

Not because they don’t earn well, but because they live without a structure.

They save when it’s convenient.
They invest when someone reminds them.
They budget only when they’re broke.

But here’s what I’ve learned personally and professionally:

Financial freedom doesn’t respond to big talks. It responds to vision.

This week, if you do just one thing with your money, let it be this:

Give it direction.

And by direction, I mean:
✅ Where is your money going this week?
✅ How much of what you earn is building your future?
✅ What percentage is multiplying while you sleep?

Here’s a basic 50/20/20/10 structure I recommend for beginners:

* 50% – Essentials: bills, transport, food, tithe.
* 20% – Flex: leisure, giving, soft life.
* 20% – Saving
* 10% - Investment (mutual funds, dollar assets, co-op land plans, etc.)

Even if your income isn’t “big,” your discipline must be.
Because your future won’t wait for when you start earning millions, it’s being shaped by the habits you practise .

If in need of help on how to budget,you can reach up to me via +254714935721.

Don't hesitate to follow Joel James for timely insights.

Joel James

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