I have seen guys in there 40s and 50s suffer for lack of money and i tell myself damn! these guys were my age at some point, but they didn’t stack that hay while it was shinning. You see a 45 years old guy with a home and a car asking you for 500 bob to buy tokens, I don’t want to find myself there ,its scary .so i have started a saving regime. Its a struggle but I’m looking at a 15 year plan. currently I’m doing the below. What other schemes can you save without breaking a sweat ata kama its 3 per month.
1.SACCO
2.Britam Money Market
3.ICEA 10 years investments
4.Savings account
You are on the right path.
Take advantage of the current situation you are in right now. It appears you have some income. Save as you have indicated, but also save for trips, nunua hio gari if you are up to it, nunua hio plot if its your thing.
Usingojee ku buy gari at your 50’s or kwenda trip in your 60’s.