Money Wise with Rina Hicks

A lot of people are not investing.... 𝙩𝙝𝙚𝙮 𝙖𝙧𝙚 𝙧𝙚𝙖𝙘𝙩𝙞𝙣𝙜 𝙚𝙢𝙤𝙩𝙞𝙤𝙣𝙖𝙡𝙡𝙮 𝙬𝙞𝙩𝙝 𝙢𝙤𝙣𝙚𝙮 😭

A man once shared with me how he lost KSh 2.4 million.
Years and years of savings.

𝗚𝗼𝗻𝗲.

Not because he was foolish.
Not because he was lazy.
Not because he didn’t work hard.

But because he trusted emotionally.

A friend told him: “𝙏𝙝𝙞𝙨 𝙎𝘼𝘾𝘾𝙊 𝙞𝙨 𝙏𝙃𝙀 𝙊𝙣𝙚!”

And because:
• someone he trusted recommended it
• the returns sounded exciting
• other people were joining
…he put ALL his money there.

No due diligence.
No difficult questions.
No research.
No understanding of risk.

Eight months later, the SACCO collapsed.

Imagine saving for years… then standing in a DCI line on Kiambu Road trying to recover your life savings... eiii.... chest pains tu!

This is why I keep saying: 𝗧𝗿𝘂𝘀𝘁 𝗶𝘀 𝙉𝙊𝙏 𝗱𝘂𝗲 𝗱𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲, and 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿𝗶𝘁𝘆 𝗶𝘀 𝙉𝙊𝙏 𝘀𝗮𝗳𝗲𝘁𝘆.

A lot of Kenyans invest based on:
• “my cousin works there”
• “my chama joined”
• “my church members invested”
• “everyone is doing forex”
• “this one is giving crazy returns”

Meanwhile many people are terrified of stock markets because of stories from 2008 that didn’t even happen to them directly.

So what happens?
People avoid learning… then run toward hype instead.

Fear and greed are exhausting financial advisors.

The truth is: Wealth building is usually slower, calmer and more disciplined than social media makes it look.

Research matters.
Diversification matters.
Understanding risk matters.

And emotional discipline matters even more.

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 : What investment lesson did you learn the hard way?

📩 Catch up on this week’s free newsletter - The MoneyWise Minute which dives into “Freeze. Flight. Fight. Fawn” - the psychology behind how people make money decisions.

Read & subscribe here: bit.ly/MWMVol5

Honestly… you may recognize yourself immediately 😭

Happy Monday y'all!!

A thought after ... A lot of mothers are quietly tired... not just physically - financially too.

You spend years making sure:
• school fees is paid
• birthdays happen
• uniforms fit and socks have no holes
• everyone is okay

Then one day you realize… 𝙖𝙡𝙖!
• You know your child’s shoe size… but not your retirement plan.
• You know everyone’s needs… but not your own investment strategy.

And somehow society made women feel noble for postponing themselves indefinitely... you know what I'm talking about... that resentful false humility mmh 😏?

But here’s the truth: being selfless should not leave you financially vulnerable later.

You do not need to become a millionaire overnight but by jove! You need a plan ma'am!!
Start small:
• save intentionally
• learn investing slowly
• ask questions - no one knows everything, even the best of us!
• build an emergency fund
• understand where your money goes
• read one good financial literacy book - strongly recommend .karinahicks financial blueprint - Moneywise: bit.ly/MoneyWiseBook

Because financial confidence is not built in one dramatic moment.
• It’s built quietly.
• Repeatedly.
• Intentionally.

And no mother should reach 60 having carried everybody… but never carried her future too.

📘 If you’ve been looking for a practical starting point, *MoneyWise: Create, Grow & Preserve Wealth* is a powerful guide for this journey.

Question: Why do women find it easier to care for everyone else than plan financially for themselves?

Happy Mother’s Day Mamas 💐

Let’s be honest… African mums are financial magicians.

You give her KSh 1,500 and suddenly:
• there’s food for the whole week
• guests have been fed
• uniforms have been sorted
• and somehow… she still asks you “𝘶𝘮𝘦𝘬𝘶𝘭𝘢?” 😭

𝗛𝗢𝗪?? No one knows.

But here’s the part we don’t talk about: She has spent her whole life making sure everyone else is okay.
Yet, many times…no one stops to ask if she is financially okay.

Mum will negotiate with landlords, shopkeepers, fundis, even inflation itself 😂
…but when it comes to her own future? 𝙎𝙝𝙚 𝙥𝙤𝙨𝙩𝙥𝙤𝙣𝙚𝙨.

This month, let’s change that.

Let’s celebrate her… 𝙗𝙪𝙩 𝙖𝙡𝙨𝙤 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙝𝙚𝙧 𝙛𝙪𝙩𝙪𝙧𝙚.

𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝗹𝗼𝘃𝗲 𝗮𝗹𝗼𝗻𝗲 𝗶𝘀 𝗻𝗼𝘁 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻.

Question: What's a fun memory your have of your mom or mother figure regarding money that makes you smile to this day?

African mums are honestly hedge fund managers in disguise 😂

𝘔𝘢𝘵𝘩𝘦𝘺 can:
- feed 8 people with “hakuna food kwa nyumba”
- detect wasting electricity instantly
- negotiate tomatoes like a procurement officer

…but still says: “𝙒𝙪𝙚𝙚𝙚𝙝! 𝙄𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙞𝙨 𝙩𝙤𝙤 𝙧𝙞𝙨𝙠𝙮.”

😭😭😭

Truthfully, many women already have:
• budgeting skills
• planning skills
• crisis management skills
• resource allocation skills

That 𝙄𝙎 financial intelligence.

The next step is simply learning how to apply it to wealth building intentionally.

Also please:
Stop taking investment advice like gospel because “someone said it’s giving returns.” majameni... 😅

Learn first. Ask questions. Understand your risk.

📘 This Mother’s Day weekend, gift yourself or a mother you love financial wisdom:
bit.ly/MoneyWiseBook

QUESTION:
What’s the most “African mum” thing your mother does with money? 😂

Let me tell you something most people won’t say… 𝙔𝙤𝙪𝙧 𝙙𝙞𝙨𝙖𝙥𝙥𝙤𝙞𝙣𝙩𝙢𝙚𝙣𝙩 𝙞𝙣 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙞𝙨 𝙘𝙤𝙢𝙞𝙣𝙜 𝙛𝙧𝙤𝙢 𝙮𝙤𝙪𝙧 𝙚𝙭𝙥𝙚𝙘𝙩𝙖𝙩𝙞𝙤𝙣𝙨.

Hear me out...

You invest 100,000.
In your mind?
You’re already calculating 30K profit... 𝘰𝘭𝘪𝘴𝘬𝘪𝘢 𝘸𝘢𝘱𝘪𝘪𝘪? 😅

Then the actual return comes…And suddenly:

“𝙏𝙝𝙞𝙨 𝙩𝙝𝙞𝙣𝙜 𝙙𝙤𝙚𝙨𝙣’𝙩 𝙬𝙤𝙧𝙠.”

But here’s the truth:

Someone with 100K in a bond and someone with 1.2M in a bond live in two different realities.

Same investment - 𝘿𝙞𝙛𝙛𝙚𝙧𝙚𝙣𝙩 𝙨𝙘𝙖𝙡𝙚.

Wealth is not about jumping into big returns. It’s about:
• building discipline
• accumulating
• growing slowly

Even 3,500 saved consistently can change your life.

Because how you behave with little… Is how you behave with a lot.

Reality check: You don’t need better investments, you need better expectations.

Question: 𝙒𝙝𝙖𝙩 𝙬𝙖𝙨 𝙮𝙤𝙪𝙧 𝙗𝙞𝙜𝙜𝙚𝙨𝙩 𝙚𝙭𝙥𝙚𝙘𝙩𝙖𝙩𝙞𝙤𝙣 𝙬𝙝𝙚𝙣 𝙮𝙤𝙪 𝙛𝙞𝙧𝙨𝙩 𝙨𝙩𝙖𝙧𝙩𝙚𝙙 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜?

Struggling on where to start? Get your copy of Rina Hicks best seller Moneywise and be all the wiser for it! Get it here: bit.ly/MoneyWiseBook

Let me say something that might annoy you a little this Monday…

See the question “𝙒𝙝𝙚𝙧𝙚 𝙨𝙝𝙤𝙪𝙡𝙙 𝙄 𝙞𝙣𝙫𝙚𝙨𝙩?” is the wrong question - not because it’s a bad question, no, but because it’s incomplete.

Most people asking it are doing this:
• You have KSh 20k or 30k extra
• You want it to “grow”
• You ask around
• You get 5 different answers
• You try 2… get confused… stop

𝗦𝗼𝘂𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿?

Here’s what’s actually happening: You’re chasing options without understanding your direction

So your money ends up:
• everywhere
• inconsistent
• hard to track
• not really growing

𝗟𝗲𝘁’𝘀 𝘀𝗶𝗺𝗽𝗹𝗶𝗳𝘆 𝗶𝘁...

Before you ask where, ask:
👉🏾 What is this money for?
👉🏾 When will I need it?
👉🏾 Can I leave it alone?

Then:
• Start building (MMF, treasury bills)
• Grow it consistently
• Hit your first KSh 500k… then 1M
• THEN start exploring bigger opportunities

Because this is the truth nobody tells you: Managing small scattered amounts is harder than building one strong pool.

You don’t need 7 investments, you need clarity + consistency.

If you want help structuring this properly:

DM or email us on [email protected]

Quick question this Monday: 𝘿𝙤 𝙮𝙤𝙪 𝙩𝙝𝙞𝙣𝙠 𝙢𝙤𝙨𝙩 𝙥𝙚𝙤𝙥𝙡𝙚 𝙨𝙩𝙧𝙪𝙜𝙜𝙡𝙚 𝙢𝙤𝙧𝙚 𝙬𝙞𝙩𝙝 𝙬𝙝𝙚𝙧𝙚 𝙩𝙤 𝙞𝙣𝙫𝙚𝙨𝙩… 𝙤𝙧 𝙝𝙤𝙬 𝙩𝙤 𝙩𝙝𝙞𝙣𝙠 𝙖𝙗𝙤𝙪𝙩 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜?

Happy Labour Day Folks!

Please rest today. Sleep in. Eat well. Ignore emails if possible 😂
But somewhere between the nyama choma and afternoon nap, take personal stock.

Many hardworking people are one scary truth away from panic: 𝙏𝙝𝙚𝙮’𝙫𝙚 𝙬𝙤𝙧𝙠𝙚𝙙 𝙝𝙖𝙧𝙙… 𝙗𝙪𝙩 𝙥𝙡𝙖𝙣𝙣𝙚𝙙 𝙡𝙞𝙩𝙩𝙡𝙚.

Ask yourself:
• Am I building wealth or just paying bills?
• What am I doing for retirement right now?
• If I stopped working, what income remains?
• Is my future protected or postponed?
We cannot work all our lives then leave old age to guesswork.

Rest, yes, but reflect too. Because tomorrow’s peace is built by today’s decisions.

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻: Do you think most people plan for retirement seriously… or just hope for the best?

Some women are not just ignoring finances for the sake of it... They are busy saving the whole world except themselves - replying emails, paying school fees, cooking supper, checking homework, calming toddlers, showing up at work… then collapsing tired.

Then someone says: “𝙔𝙤𝙪 𝙨𝙝𝙤𝙪𝙡𝙙 𝙗𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙢𝙤𝙧𝙚.” Kindly relax 😅😅

The issue is not laziness, it's overload.

But sis, hear me with love: Your future cannot stay at the bottom of the list forever.
Even in a busy season, do one thing:
• Save KSh 500
• 𝗔𝘀𝗸 𝗳𝗼𝗿 𝗵𝗲𝗹𝗽
• Delegate one task
• Learn one money concept
• Open one MMF

Small moves matter.

You don’t need a perfect season, you just need the next right step.

🚀 Ready for structure that works in real life? Join Investable Cohort 7: bit.ly/4cBkoBQ

Be honest: what delays women more, lack of money, lack of knowledge, or lack of support?

Sis… if the WiFi password changes and you panic, 𝙞𝙢𝙖𝙜𝙞𝙣𝙚 𝙣𝙤𝙩 𝙠𝙣𝙤𝙬𝙞𝙣𝙜 𝙬𝙝𝙚𝙧𝙚 𝙩𝙝𝙚 𝙛𝙖𝙢𝙞𝙡𝙮 𝙢𝙤𝙣𝙚𝙮 𝙞𝙨...

We might chuckle at this but let's get serious for a quick minute. Many women have been taught:
“𝙃𝙚 𝙝𝙖𝙣𝙙𝙡𝙚𝙨 𝙛𝙞𝙣𝙖𝙣𝙘𝙚𝙨, 𝙄 𝙝𝙖𝙣𝙙𝙡𝙚 𝙩𝙝𝙚 𝙝𝙤𝙢𝙚.”

All good... right?

But what happens if:
• Job loss happens?
• Sickness happens?
• Death happens?
• Separation happens?
• Life simply 𝙡𝙞𝙛𝙚𝙨?

Then suddenly you are grieving and Googling simultaneously “𝘩𝘰𝘸 𝘵𝘰 𝘴𝘵𝘢𝘳𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘪𝘯𝘨” in the same week.

Imagine no.

Love your man. Respect your father. Appreciate support - but also know:
• what bills cost
• what comes in
• what goes out
• where savings are
• what debt exists
• what your own plan is

Being feminine does not require being financially absent.

Start with one question tonight:
“𝙒𝙝𝙖𝙩 𝙙𝙤𝙚𝙨 𝙤𝙪𝙧 𝙢𝙤𝙣𝙩𝙝𝙡𝙮 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙥𝙞𝙘𝙩𝙪𝙧𝙚 𝙡𝙤𝙤𝙠 𝙡𝙞𝙠𝙚?”

🚀 Ready to get confident with money? Join Investable Cohort 7: bit.ly/4cBkoBQ

📧 [email protected]

Would you want full transparency in your home finances? If not, why?

🚨 IMPORTANT COMMUNITY NOTICE 🚨

A fake page is currently using Rina Hicks’ name, likeness, and videos to attract people into an unrelated WhatsApp group.

To be clear: 𝗧𝗵𝗶𝘀 𝗽𝗮𝗴𝗲 𝗶𝘀 𝗻𝗼𝘁 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗲𝗱 𝘁𝗼 𝗥𝗶𝗻𝗮 𝗛𝗶𝗰𝗸𝘀 𝗼𝗿 𝗠𝗼𝗻𝗲𝘆𝗪𝗶𝘀𝗲 𝗶𝗻 𝗮𝗻𝘆 𝘄𝗮𝘆.

We take your trust seriously, and we would never want anyone misled or exposed to possible scams.

Please:
- Do not engage
- Do not join unofficial groups
- Do not share personal details
- Kindly report the fake page

Official updates only come through our verified MoneyWise platforms.

Thank you for always looking out for one another. 🙏🏽

MoneyWise with Rina Hicks: [email protected]