Financially Incorrect

Financially Incorrect A fun and informative way to learn about personal finance.
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We debunk money myths and reveal the truth behind common misconceptions.
🎙Hosted by Barrack Bukusi
Sponsored by FXPesa

19/08/2026

The song almost didn't want on the project became its biggest. Tuza was the last track he recorded. He thought it sounded too radio-friendly and unlike him. His team disagreed. Thirty minutes later, it was done. Eight songs made the project. Somehow, the one Mike doubted the most became the one that moved furthest.
Episode available on Youtube and all audio streaming platform

18/08/2026

has been making music since he was 13, starting out in a church choir in Rwanda. His first real music paycheck came while he was still in high school, after landing a Coca-Cola jingle. But turning that early start into a sustainable career hasn't always been straightforward.
There were contracts that left him unable to release music for years. Money he wishes he'd managed differently. A period in Ethiopia that completely changed how he approached his craft. And eventually, Sabrina - the song that helped him find a huge audience in Uganda.

Today, that journey has Mike thinking much bigger than Rwanda. His career increasingly stretches across Kigali, Kampala and Nairobi, and he believes the future for artists in the region lies in looking beyond individual countries and building an East African audience.
On the Rwanda Edition of Financially Incorrect, we sit down with Mike to talk about his journey, the contracts and money lessons he learned the hard way, the business of being an independent artist, and why he's betting on East Africa. Full episode now on YouTube.

18/08/2026

An election can change more than who runs the country. For a business, it can change how quickly clients spend, how contracts move and how long you need your cash to last. explains how preparing for Kenya’s election cycles forced him to think beyond cash reserves.

Multi year contracts, clients outside Kenya and relationships with organisations whose funding was less exposed to corporate spending cycles became part of the strategy. The goal was simple: make sure one unpredictable period could not destabilise the entire business.

17/08/2026

KES 80 million a year was potentially on the table.

Joram Mwinamo and his team had spent almost nine months working towards a government project when, as they got closer to signing, new conditions around how the deal would be structured began to emerge.

They had been clear from the beginning about how they wanted to do business. So when those conditions crossed that line, they walked away.

It wasn’t the only time an opportunity had reached that point. His rule with his team now is fairly simple: if getting the work requires a conversation they shouldn’t be having, they don’t even go to the meeting.

17/08/2026

Publishing a book is one thing. Getting it into readers’ hands, while still protecting your margins, is another.

Joram Mwinamo breaks down the realities of publishing and book distribution in Kenya, from retailer cuts to the gaps he sees in marketing and end-to-end distribution.

When different players in the value chain take their share, how much is actually left for the author?

14/08/2026

A €500,000 funding round makes for a good headline.

But it is rarely where the real business story begins.

Joram Mwinamo journey took him from small university projects and international work to building businesses in Kenya, struggling with inconsistent revenue, changing his customer base and eventually developing Sandbox International into an ecosystem of more than 30 experts serving entrepreneurs.

The interesting part? The business did not become more scalable because Joram discovered a magical formula. It became more scalable when he stopped forcing a model that was not working and started paying closer attention to what entrepreneurs actually needed.

And then there were the decisions money could not solve. Joram talks openly about walking away from a lucrative contract because of unethical conditions, the pressure of building while dealing with personal challenges, and why time and consistency can matter more than having the smartest idea in the room.

13/08/2026

Three years. Hundreds of money stories. And now we have one question for you: Did any of it actually change what you do with your money?

Did you start the business? Ask for the raise? Have the uncomfortable money conversation? Finally stop saying “next month”?
We want to hear from you.

Tell us how Financially Incorrect has impacted your money story, by filling in the questionnare via the link in bio.

12/08/2026

What if an NGO was considered successful only when it had spent everything?
For decades, says nonprofits were operating under a very different financial logic. Get the grant. Spend it down to zero. Return anything left to the donor. Even foreign exchange gains could become something the organisation had to negotiate over. The message was clear: you were there to serve, not to build anything for yourself.

But service has limits when the people doing the serving are running on empty. Jackie argues that the sector is finally beginning to rethink who gets to make decisions about money, moving from a model where donors hold all the power towards organisations having greater financial agency and sustainability.

Because changing lives is the mission. But the people changing those lives still have lives of their own.

🎧 Full episode available on YouTube and all audio streaming platforms.

11/08/2026

“I am serving Jesus. What money?”

thought she was simply creating a structure that would allow her to start something of her own after the organisation she worked for began shutting down its Uganda operations. She got legal advice, explored her options and registered as a single member company. What she didn't fully appreciate was what that registration meant.

Two years later, the first audit arrived and so did the Uganda Revenue Authority. Suddenly, the question wasn't just how to create impact. It was: where is the money for the tax bill? Jackie had entered entrepreneurship thinking about service, only to discover that the legal and financial architecture of an organisation matters just as much as its mission.

10/08/2026

Watching your parent struggle in business can quietly teach you what you believe business is supposed to feel like.
For , it meant sitting in her mother's baby clothes shop after law school, watching hours pass while perhaps a pair of socks was sold. She saw the competition, the slow days and the importance of where your shop was positioned. Her conclusion was simple: business was hard, exhausting and probably not worth it.

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