Shielding wallets globally | KYC scams,OTP tricks,phishing & mobile money fraud | Lessons for everyone | Not a bank or regulator—just real talk to keep you safe
Earth
Joined May 2017
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We live in a world where debt has become normal, but very few people talk honestly about how draining it can become over time. Here’s something many people are silently going through:
Safe Banking KE retweeted
The wealthiest people in the world:
75% of them are entrepreneurs.
15% of them are investors.
7% are athletes.
3% are artists.
None of them are employees.
A salary cannot leverage you into self-sufficiency.
A salary takes you through a journey of 5 phases:
Phase 1: Earning
Phase 2: Spending
Phase 3: Borrowing
Phase 4: Planning
Phase 5: Budgeting
Once you cross Phase 5, which comes after years of being broke despite earning, you cross to 2 more phases
Phase 6: Saving
Once you cross Phase 6, which requires a lot of maturity, self-satisfaction, sacrifice and discipline,
You unlock Phase 7: INVESTING.
This is where you either become a business owner or remain an employee forever.
Safe Banking KE retweeted
Maybe all you need is to embrace love;loving yourself,people around you,loving what you do, loving what you have, loving what you stand for, loving absolutely everything around you and then you'll see the complains you have fade away.
It's not about being the smartest person in the room, it's about being the most disciplined and consistent individual in the room.
Safe Banking KE retweeted
The fastest way to change your life is to rip yourself out of your (physical and digital) environment. Change everything overnight. The places you go, the accounts you follow, the info you consume, etc. It's difficult but it absolutely works.
Safe Banking KE retweeted
Most salaried Kenyans are rich for 10 days… then broke for the next 20. This painful cycle continues every single month, here is why and how to avoid it.
BUDGETING
Save thread below: 👇🏿
Safe Banking KE retweeted
We live in a world where debt has become normal, but very few people talk honestly about how draining it can become over time. Here’s something many people are silently going through:
Stop feeding the cycle. Live within your means, and fight to become debt-free. Your future self is begging you to break these chains before they break you.
The worst part? Most people normalize it and call it “normal adulting,” but the truth is, debt keeps you broke and dependent. The wealthy use debt strategically as a tool. Most people use it as a trap.
It causes sleepless nights, constant anxiety, arguments , and the painful feeling that you’re working just to survive instead of building the life you actually want. You end up trapped unable to take risks, change jobs, or even rest without worrying about the next repayment.
comes with interest that silently steals from your future. That “small” monthly payment adds up to years of your hard-earned money disappearing into thin air while the bank keeps getting richer. More than the money, debt steals your peace.
Debt might look like an easy solution when money is tight, but it’s actually one of the fastest ways to drain your life financially, mentally, and emotionally. Every loan you take, whether it’s a car loan, credit card, mobile loan, or personal loan,
Safe Banking KE retweeted
You don't have an income problem, you have a control problem. This is where Budgeting comes in.
Budgeting is simply telling your money where to go instead of wondering where it went. It is not a restriction.
It gives you control and clarity.
Safe Banking KE retweeted
If you are a fixed income earner or a beginner, I'd advice you go for the popular budgeting strategy, the 50/30/20 rule which divides your income into three distinct categories:
50% Needs, 30% Wants and 20% savings and debt(we'll come to this later).
Most salaried Kenyans are rich for 10 days… then broke for the next 20. This painful cycle continues every single month, here is why and how to avoid it.
BUDGETING
Save thread below: 👇🏿
3. Always separate you funds - avoid keeping all you money in the same account, otherwise you'll overspend.
4. Track weekly(Sunday evening)
5. Adjust, don't quit - if you fail don't abandon budgeting, fix what went wrong.