Maertin K

Maertin K Providing practical financial education to help people understand money, build discipline, and grow long-term wealth. Founder | https://wealthinsights.co.ke/
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Maertin K (Official) is the founder of Wealth Insights Global, a platform dedicated to helping people achieve financial freedom through education, smart investing, and global money insights. Learn how to save, invest, and grow your wealth strategically — locally and globally.
🌍 www.wealthinsights.co.ke

19/12/2025

Debt isnt the enemy IGNORANCE is Learn how rich people make debt PAY them

Below is a refined, publication-ready breakdown of the 5 Popular Budgeting Methods, with clear positioning on when each ...
18/12/2025

Below is a refined, publication-ready breakdown of the 5 Popular Budgeting Methods, with clear positioning on when each works best.

✅✅

5 Popular Budgeting Methods

1. 50/30/20 Rule

Structure:

50% → Needs (rent, food, transport)

30% → Wants (entertainment, lifestyle)

20% → Savings / debt repayment

Best for:
People who want a simple, low-maintenance framework.
Limitation:
Too rigid if income is low or highly variable.

✅✅

2. Pay Yourself First

Structure:

Automatically save 10–20% (or a fixed amount) immediately after income hits

Live on the remainder

Best for:
Building savings discipline without complex tracking.
Limitation:
Requires self-control on remaining spending.

✅✅

3. Zero-Based Budgeting

Structure:

Every shilling is assigned a job

Income – expenses = 0

Best for:
People who want full control and clarity over cash flow.
Limitation:
Time-intensive and requires frequent review.

✅✅

4. Envelope / Kakeibo Method

Structure:

Allocate cash (or digital equivalents) to spending categories

Stop spending when the envelope is empty

Best for:
Curbing overspending and increasing spending awareness.
Limitation:
Less convenient in a fully digital payment environment.

✅✅

5. Savings Buckets

Structure:

Separate savings into specific goals
(Emergency fund, education, travel, investments, etc.)

Best for:
Goal-driven savers who want psychological clarity.
Limitation:
Needs discipline to avoid dipping into the wrong bucket.

✅Build the habits.✅Trust the process.✅Let time do the heavy lifting.
18/12/2025

✅Build the habits.
✅Trust the process.
✅Let time do the heavy lifting.

🧵 Wealth Has Two Sides: Creation and Protection1️⃣ Wealth creation basketThis is where growth happens. These assets comp...
18/12/2025

🧵 Wealth Has Two Sides: Creation and Protection

1️⃣ Wealth creation basket
This is where growth happens. These assets compound and expand your net worth over time:

Money Market Funds (MMFs)

Bonds

Stocks

Real estate

2️⃣ Wealth protection basket
This is what keeps your progress intact when life happens:

An emergency fund

Health insurance

Whole life insurance

3️⃣ The common mistake
Most people focus heavily on wealth creation and ignore protection.
They build assets—but leave them exposed.

4️⃣ Why protection matters
Without protection:

Emergencies force you into debt

Medical bills liquidate investments

Income shocks undo years of progress

5️⃣ The principle
You don’t protect wealth after you build it.
You protect wealth while you build it.

6️⃣ Bottom line
Wealth creation grows your money.
Wealth protection preserves your future.
You need both to build lasting financial security.

🧵 Never Underestimate the Importance of an Emergency Fund1️⃣ Why an emergency fund mattersAn emergency fund protects you...
18/12/2025

🧵 Never Underestimate the Importance of an Emergency Fund

1️⃣ Why an emergency fund matters
An emergency fund protects you when life becomes unpredictable. It helps you:

Avoid expensive emergency loans

Avoid selling long-term assets at the wrong time

Cover expenses if you lose your job

Leave a toxic job and give yourself time to find a better one

2️⃣ What an emergency fund is
An emergency fund is a dedicated pool of money set aside to cover your normal, day-to-day expenses for a defined period of time when income is disrupted.

3️⃣ How much should it cover?

Standard recommendation: 3–6 months of normal living expenses

If you have one source of income or dependents, a safer range is 9–12 months

Think of it like water in the wilderness:
Having more than you need is far better than having less.

4️⃣ Where should you keep your emergency fund?
Liquidity matters more than high returns. Your emergency fund should be easy to access, safe, and reliable.

5️⃣ Best place to store it: a Money Market Fund (MMF)
A Money Market Fund is well-suited for emergency savings because:

Your money earns interest that can beat inflation

Funds are accessible within 2–3 days

It is a low-risk investment vehicle

6️⃣ Important note
Money Market Funds are designed for capital preservation. Losses are rare and usually only occur due to poor fund management.

7️⃣ Bottom line
An emergency fund is not an investment strategy—it is a stability strategy.
It buys you time, peace of mind, and better decision-making when pressure is high.

18/12/2025

🧵 What’s the best thing money can buy?

1️⃣ Freedom of choice
Not luxury for its own sake, but the ability to decide. To book a weekend in Barcelona without months of financial planning.

2️⃣ Freedom from stress
Paying your bills on time, every time—without anxiety, panic, or sleepless nights.

3️⃣ Freedom to give
Helping a hungry person with dignity, not hesitation. Generosity becomes a habit, not a calculation.

4️⃣ Freedom to protect family
Affording better healthcare for your parents and loved ones when it matters most.

5️⃣ The real point
Money is not the goal. Freedom is.
Money simply expands your ability to live, give, and protect with intention.

18/12/2025

✅Money alone does not create meaning—but it expands your capacity to live with purpose.
Purpose gives direction to wealth, and direction gives wealth significance.
Managing money well is stewardship.

✅When handled with intention, money creates space for impact: to support what matters, protect those you love, and buy freedom of choice.



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