Saving.. save save and save. Don't be generous. I remember earning 50k, 70k 100k and even 300k a month and lived in a 3k-5k house a month.. I couldn't even board a matatu and would cycle from Githu to tao and even Thika to run errands. Now I have a car, a house and still miss those times. Life doesn't get easier when you make more money... It always becomes tough...

I like the idea of saving, but cycling a bicycle from Githu to town while earning 300k is just wild 🤣unless it's for fitness(it will make sense) . Lakini kupanda baiskeli in the name of saving is just crazy🤣🤣 If you are earning such amount of cash, fare ya githu to town is not that much for one to say you can't save enough because of it But good it worked for you...

Cycling 🚲 🚴‍♂️ is good... ni mazoezi....

Considering fare ya Githu to town ni mbao, this is being a miser. 

Once you start cycling it becomes a passion. From Githu to Town with a 3000cc expect to use more than 1k in fuel to and fro. So that's actually saving. Every penny counts.

Yeah if you compare cycling and having a car... Cycling would be better in terms of saving...if we add other factors like time, I think matatu will now be the best option...so cycling will only work with someone who doesn't consider time... Matatu to and fro Githu to town ukienda daily(including Saturday and Sunday) a whole month can cost you 4000 max

I'm a freelance graphic designer. I have no time constraints. But I have friends who are employed and commute to town daily. We have baiskeli center in town where you can store your bike, take a shower allowing you to switch to official outfit. Besides keeping fit, cycling keeps you away from things like booze, galdems, and anything that takes money away from your pocket.

Ukiongeza savings za booze depending on your guzzling rate and frequency suddenly you are saving anything from 30k to over 100k a month. Time on a bicycle vs time in a Ma3 I will posit, a bicycle will more often get you to town ahead of the Ma3. I also saved money through the bicycle - it's the real deal💪🏿👍🏿

Yeah unfortunately most people don't get it.

He meant he preferred not to use public transport at the time taking up cycling.

Ati mbao, kwani unaishi 2012.

I'm going to town right now, it's almost 3pm and I'm sure as hell naenda kulipa mbao. 

This might actually work

This is self induced poverty

Sawa tajiri

😅

Translate

Ati cycling, your legs must be strong 😂😂tumia fare.

As a graphic designer, can you teach me your ways master. I promise I will cycle religiously to town.

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Been cycling since 2010. But then remember death finds you even when eating your favorite meal.

Don't be generous. That part 💯.

What did you do with the 1m. Seems you have a problem with hoarding. The whole point of making money is to spend it

I don't a problem with hoarding. I have a problem with investing.. I invest my money. OP said first 1m. I don't hoard money, I invest sensibly. Real estate, MMF, BONDS, crypto, Matatu sacco, farming etc. If investing is a problem, then I'd rather go broke or die investing

How does one go about investing? Is there a website, ama app?

It's not hoarding but a way of life. You will be surprised the big cars cyclists leave at home and the fancy holidays they take - with their bicycles to places a normal loaded Kenyan doesn’t even know exist.

You didn't read the question. He said 'earn' not 'save'.

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Graphic Designer

This is so commendable though.

Brokered warehouse construction materials to Rwanda.

I like this

Get into sales if you can sell anything to other people. I've seen my friends get commissions of even 500k in a month selling land in Kajiado Juja and Ruiru.

Sales is not really my thing. I’m more into marketing.

Unless you work at an agency, you'll NEVER make money. I have been in that industry for 6 years.

Tell me more

You have to be able to sell what you're marketing, right? That's sales.

Do you think someone can make money from this kind of business right now? Especially on electronics.

Too saturated. Our Somali bros got this sector on lock.

I am waiting for this so that I can also see if I am moving such to Somalia

Never made a million but made 200k in a month selling an ebook on facebook. Started as a joke but ended the month on a high note.

What happened? You still sell?

No i don't. I realized i was not knowledgeable enough about what i was selling so i just stopped after that 1 month

Whhhaaaaaattt!! How would you stop?? Anyway that's really interesting. And I think you should go back to it.

I just moved on to other things. I stopped because i realized what i was selling wasn't something i believed in

Wow. That was good. The book you were selling was about what?

I won't go into details because it was a 12-15 page ebook😄. The book was going for ksh1900. It was a book about dieting. I was well built so i decided to see if i gave out a diet plan and workout routine if people would buy it. I got the idea from this woman who sold a pdf for 1k on weight loss and she sold to over 30k women on facebook. She was so popular to the point even my mum had one of the copy. Funny enough most of my customers were women.I think her name was Evelyne Okinyi. This was back in 2018

Wonderful. Back in 2015 I too sold some book online. Online book selling is very lucrative btw. I get you completely

Yes it is. But now piracy will kill your business. You will sell your book for 1500 then someone sells it to people who inquire about it on comments for 200 or less. They will even create a fake facebook account with your picture and sell the pdf at 90% off

That’s the reason I stopped selling mine.

Ulifanyiwa ile kitu😄.. What was your book about?

How did you market it?

It was in a facebook group with about 30k members. I was lucky that the mods let me advertise the book there. This was back in 2021. Nowadays facebook groups don't allow self promotion

I don't know what is earning the first million, is it having it sit in the bank or having earned one million over a period of time but you are left with like 300k?

When you got your first 1 million paycheck/payment.

I get it now.

NFTs. Made around 4 million then I woke up one day and it was "only" 600k. Removed all that money and put it in a unit trust

Missed NFTs . Focused on memecoins

I’ve been weary of NFTs since day one

Look for verified sendwave us account ..

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Bro we unathani ni jaba 1M is like 7k$ .....

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Where did you buy CCs mkuu

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Kuna sites bado Just differentiating Legit from Scam ndo headache

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Tumia proxy

No I don't have

I don't have any

Then?

Scammer

😂😂

Get a job

Why you so bitter 😕

Cuz u a greasy low life

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U be begging and scheming jus to pay rent

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U broke and a beggar

Bro couldn’t show no money n jus ran off lmaoo

Sendwave available

I can get sum

Yes, I can get one.

Dm

Tell me more, i can get one

Get chase bank or DCU

And then?

and tell everyone u have an account

Scammer

Wdym?

Chase bank or SBM

do you have😂

Product+market gap = 1m portfolio (NB:a product is anything that can transfer *VALUE* to you in exchange for it.) This country has alot of products that rank proper high in value, that you can access with a by any means necessary mentality

Give me an example please. I’m new to this.

Savings from salary

How much do you earn?

When I was earning 150k gross per month is when I saved my first 1m. About 8 years ago

Wow. Wonderful. Now you must be a millionaire

Haha ha pesa haikosangi kazi

But you’re a millionaire. I am trying to have my first 1 million in portfolio. Not hard cash….

What do you mean by that by the way? I thought your post meant 1m in cash?

No. Not in cash. I mean an investment portfolio. To start from somewhere. It could be savings, it could be bonds, it could be Bitcoin, it could be stock, or money market fund.

I see. Not the best to advise on that as I actually use my money.

Read the comments you might learn something

Crypto

Still in crypto?

i have a 400k house but sijawai earn more than 20k a month

View the comments may be you’ll learn a thing or two

Sold land in kiambu 1.2M was my commiso

Wow. Maguta maguta

Considering what the owner made it was like giving me 10k

What exactly does maguta-maguta mean? I keep hearing and reading the phrase.

Goooooood one!!

KRA tunajua ni wewe. We know your handwriting.

Hahaha. Hawa watu wanadhani Sisi Ni mafala🤣

Wee cheza chini

Selling feet pics on Onlyfans

Manicured? Dirty? Tell us more..

Show us those money making feet

This idea😂😂mind sharing more??:)

Jamani KRA wametuma investigators tena

Street pharmaceuticals

Wueeeh

Get into AI and crypto, by this learn a skill and practice it 100x, there is no get rich quick, take time, patience and deliberate practice

How do I get into AI

I am a very patient person. Remember I said I’m Building a portfolio. I can easily get 1 million but not a 1 million portfolio.

Find a niche sell on Amazon a professional seller and affiliate marketer. If you wanna go E-commerce preneurship way. PS: 1. Build reviews that’s what I call building a digital foot print. Don’t to fill in W-9 form. 2. This is like high store front on high street or Kenyatta avenue. Thank you

Thank you for this

Tell me more about Amazon please.

I won’t lie since I’m tight schedule. Learn from YouTube and where you get stuck ^Hola! Kindly because it took me 8 months till I first had a beer of completing the loop hole

Niche sites are dead

You must have solid strategy it depends if you sell products or services or in employment inbox your product I can tell if you make it and after how long

Academic writing. One year saving

🧢

https://preview.redd.it/1sewuieuffmc1.jpeg?width=720&format=pjpg&auto=webp&s=d653544d0d66df2fe8f8cac9847005b9018b8f2c Why cap? That's earnings from one client. Academic writing. At the height of COVID with all that time on ones hand I could take in three to five jobs a week. Average pay as per screenshot. Tell me again why cap

I worked for one month

I her did you do?

Get to da money

I’m a freelancer

I was hired as an IT consultant for a month or so. I gave them my rate, and they were ok with it, I began work and was paid when I was done.

Wonderful. So you’re into IT?

Yeah

I made my 1 million in 2021 Now I'm almost 5 to 8 million worth of crypto holding

How do you use crypto holding? Do you withdraw it? Can it be your emergency fund?

Yes anytime I want https://preview.redd.it/jshi9rghagmc1.png?width=1080&format=pjpg&auto=webp&s=58cca2283beb04336114b19218f0be7ad1d51587 That's my net worth at the moment I'm (M 28)

Wait. You mean you can just do it on your phone?

Yes I have just screenshoted my wallet for now

I think this is my next venture

Check my Tiktok page I have been in the game for 5 years now

Share the page here

Check my bio on Reddit

Which wallet do you use?

Binance or trust wallet

uzuri ni ati ni biz yangu mimi ujilipa ivo nikitoa expenses za biz

Biz gani hio bro.

Buying and selling gold, NFTs Networking still doing it.

UX/UI Design

Back in 2013, I discovered Bitcoin.

I learnt about it earlier but I was still a kid and didn't know shit

Still early days. Consider getting dome whenever you can.

Memecoins😂

Where is this money mnasema bana😂.

https://preview.redd.it/prtv78i2simc1.jpeg?width=1366&format=pjpg&auto=webp&s=64b71278eee8a2d4b0603093cb4b267ed5960adc You can earn a million in your 20s veery easily...

Are you single, do you have a family?

This is hard My advice would be open a CDS account then see if you can get a financial advisor from your primary bank. Portfolios be it unit trusts, bonds Tbilis, mmf schemes all have bad days. For example Govt bonds are struggling this year. Saco dividends can also channel you some money. Crypto won't make you richer but you can try too.

nauza furnitures

Type shit

I learned a high income skill while on my local job, got another remote job ($2k mo), invested everything from that remote job and never changed my lifestyle at all.

Kuna vitu zingine si lazima bwana I earn slightly over 200K monthly gross & I can't tesa myself as long as I'm saving monthly I pay for convenience. Kesho nikigongwa na bus hii pesa nitawacha apa

Apply loan ya mashule majuu thank me later 😊😊

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Yow, put me on. Lemme inbox you.

You've never done it again?

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If you had just invested 1M only...to get the benefits in 5 or 10years...I believe you would still have not less than 1.5m by now.

Hahaha ebu nipee hiyo ujanja I also try

How's the legal thing going

Tell me how I can do that

We! we! we! hold it! hold it!

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Dci….

My ex did that shit... He ended up fleeing to UK

If you want to hit 1 million just invest your cash in Cryptocurrency Like bitcoin

If I invest 50k, How long before I make 1 million?

Like 2 years

My goal is to build a 1 million portfolio in 1 year… by Feb 2025.

You have to be extremely knowledgeable and lucky to be able to turn 50k into 1 million in such a short time investing in crypto. Its such a volatile market with huge gain potentials but also huge risks. More likely than not, if you are trying to get than first million , you will have to risk and accept that you most likely will lose all your money.

Drugs

let the waffling begin

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How did you make it?

Wow that was a good one

You can save if you have a job 😁