Money Wise with Rina Hicks

Pull up a chair, grab a decaf, let's talk.

Some of us are living like CEOs on a supervisor's salary... mmmh?

𝗗𝗼𝗻'𝘁 𝘄𝗼𝗿𝗿𝘆. 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮 𝘀𝗮𝗳𝗲 𝘀𝗽𝗮𝗰𝗲.

Salary enters, and by lunchtime:
• Chama contribution.. I mean, you cannot let them see you're going through a time... can you now?
• "𝘕𝘪𝘵𝘶𝘮𝘪𝘦 𝘵𝘶 2𝘒, 𝘐'𝘭𝘭 𝘳𝘦𝘧𝘶𝘯𝘥" - sent pap!
• Birthday contribution
• Black tax
• Shoes from Jonte wa Gikosh who walks around the office with a suitcase full of everything the ladies dream of!
• Weekend plans

..𝗔𝗻𝗱 𝗯𝘆 𝘁𝗵𝗲 𝟭𝟮𝘁𝗵: "𝘛𝘩𝘪𝘯𝘨𝘴 𝘢𝘳𝘦 𝘷𝘦𝘳𝘺 𝘥𝘪𝘧𝘧𝘪𝘤𝘶𝘭𝘵 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘤𝘰𝘶𝘯𝘵𝘳𝘺, 𝘮𝘺 𝘨𝘶𝘺"

Or are you behaving like someone in a completely different season of life?
Rina often says your twenties have one unfair advantage: 𝗧𝗜𝗠𝗘.

Not money, not connections. - Time.

And yet that's usually the season we spend trying to impress people who don't even like our photos.
• Imagine investing just KES 2,000 consistently every month instead of waiting until you "𝑚𝑎𝑘𝑒 𝑖𝑡."
• Imagine building skills instead of pressure.
• Imagine focusing on your future instead of competing with strangers.

Question:𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙩𝙝𝙞𝙣𝙜 𝙮𝙤𝙪 𝙨𝙥𝙚𝙣𝙩 𝙢𝙤𝙣𝙚𝙮 𝙤𝙣 𝙞𝙣 𝙮𝙤𝙪𝙧 𝙩𝙬𝙚𝙣𝙩𝙞𝙚𝙨 𝙩𝙝𝙖𝙩 𝙮𝙤𝙪 𝙡𝙤𝙤𝙠 𝙗𝙖𝙘𝙠 𝙤𝙣 𝙣𝙤𝙬 𝙖𝙣𝙙 𝙡𝙖𝙪𝙜𝙝 𝙖𝙗𝙤𝙪𝙩? 😭

Let's have an uncomfortable conversation.... 𝙨𝙞 𝙢𝙖𝙥𝙚𝙢𝙖 𝙣𝙙𝙞𝙤 𝙗𝙚𝙨𝙩?

At 25: "𝟓,𝟎𝟎𝟎 𝙞𝙨 𝙩𝙤𝙤 𝙡𝙞𝙩𝙩𝙡𝙚 𝙩𝙤 𝙞𝙣𝙫𝙚𝙨𝙩, 𝙬𝙤𝙣'𝙩 𝙚𝙫𝙚𝙣 𝙢𝙖𝙠𝙚 𝙖 𝙙𝙞𝙛𝙛𝙚𝙧𝙚𝙣𝙘𝙚"
At 35: "𝙇𝙚𝙩 𝙢𝙚 𝙨𝙤𝙧𝙩 𝙩𝙝𝙚 𝙧𝙚𝙣𝙩 & 𝙠𝙞𝙙𝙨 𝙨𝙘𝙝𝙤𝙤𝙡 𝙛𝙚𝙚𝙨 𝙛𝙞𝙧𝙨𝙩"
At 45: "𝙏𝙝𝙚 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣 𝙖𝙧𝙚 𝙨𝙩𝙞𝙡𝙡 𝙙𝙚𝙥𝙚𝙣𝙙𝙚𝙣𝙩."
At 55: "𝙍𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩 𝙞𝙨 𝙖𝙧𝙤𝙪𝙣𝙙 𝙩𝙝𝙚 𝙘𝙤𝙧𝙣𝙚𝙧."
At 65: "𝙊𝙝 𝙣𝙤... 𝙄 𝙬𝙞𝙨𝙝 𝙄 𝙨𝙩𝙖𝙧𝙩𝙚𝙙 𝙚𝙖𝙧𝙡𝙞𝙚𝙧."

Guys... life will ALWAYS give you a reason not to start.

𝗔𝗟𝗪𝗔𝗬𝗦

The question isn't whether life is expensive; the question is: 𝙒𝙞𝙡𝙡 𝙮𝙤𝙪 𝙠𝙚𝙚𝙥 𝙥𝙤𝙨𝙩𝙥𝙤𝙣𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙛𝙪𝙩𝙪𝙧𝙚 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙤𝙛 𝙩𝙤𝙙𝙖𝙮'𝙨 𝙥𝙧𝙚𝙨𝙨𝙪𝙧𝙚𝙨?

Rina shared something powerful: 𝙎𝙤𝙢𝙚𝙤𝙣𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙞𝙣𝙜 𝙟𝙪𝙨𝙩 𝙆𝙎𝙝𝙨 𝟓,𝟎𝟎𝟎 𝙖 𝙢𝙤𝙣𝙩𝙝 𝙛𝙧𝙤𝙢 𝙖𝙜𝙚 𝟐𝟓 𝙘𝙤𝙪𝙡𝙙 𝙚𝙣𝙙 𝙪𝙥 𝙬𝙞𝙩𝙝 𝙖𝙡𝙢𝙤𝙨𝙩 𝙆𝙀𝙎 𝟏𝟖 𝙢𝙞𝙡𝙡𝙞𝙤𝙣 𝙗𝙮 𝙖𝙜𝙚 𝟔𝟎.

The amount wasn't magical - 𝘁𝗵𝗲 𝘀𝗲𝗰𝗿𝗲𝘁 𝘄𝗮𝘀 𝘁𝗵𝗲 𝗳𝗼𝘂𝗿 𝗹𝗲𝘁𝘁𝗲𝗿 𝗧-𝘄𝗼𝗿𝗱 - 𝗧𝗶𝗺𝗲.

So before you say: "𝘐'𝘭𝘭 𝘴𝘵𝘢𝘳𝘵 𝘸𝘩𝘦𝘯 𝘐 𝘦𝘢𝘳𝘯 𝘮𝘰𝘳𝘦..." Ask yourself: How long have you been saying that already? Mmmh? Sospeter?

What's one thing you've been postponing financially?

📘 If you're unsure where to start, get your copy of MoneyWise: Create, Grow & Preserve Wealth. Click here bit.ly/MoneyWiseBook or get it on the

😂 Most Kenyan salary increases have a strange habit...

Salary goes up, and immediately:
• New phone
• Bigger apartment
• New furniture
• Better neighborhood
• More black tax
• More "𝑠𝑚𝑎𝑙𝑙 𝑠𝑚𝑎𝑙𝑙" expenses
• More brunches because "we thank God"
Then five years later: "𝘓𝘪𝘧𝘦 𝘪𝘴 𝘦𝘹𝘱𝘦𝘯𝘴𝘪𝘷𝘦 𝘵𝘩𝘦𝘴𝘦 𝘥𝘢𝘺𝘴."

Beloved... Are you sure life is expensive? Or did your lifestyle get promoted faster than your investments?

Here's a painful question:

If your income disappeared for 3 months... Would your lifestyle survive?

Your income is a seed - 𝙨𝙩𝙤𝙥 𝙚𝙖𝙩𝙞𝙣𝙜 𝙖𝙡𝙡 𝙤𝙛 𝙞𝙩!

𝙒𝙝𝙖𝙩 𝙬𝙖𝙨 𝙮𝙤𝙪𝙧 𝙗𝙞𝙜𝙜𝙚𝙨𝙩 𝙡𝙞𝙛𝙚𝙨𝙩𝙮𝙡𝙚 𝙪𝙥𝙜𝙧𝙖𝙙𝙚 𝙩𝙝𝙖𝙩 𝙡𝙖𝙩𝙚𝙧 𝙗𝙚𝙘𝙖𝙢𝙚 𝙖 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙝𝙚𝙖𝙙𝙖𝙘𝙝𝙚? 👇

📘 Get your copy of 𝗥𝗶𝗻𝗮 𝗛𝗶𝗰𝗸𝘀' MoneyWise: Create, Grow & Preserve Wealth: bit.ly/MoneyWiseBook - it's the only read you'll need this weekend!

😂 Imagine refusing to help someone because: "𝑀𝑎𝑠𝑎𝑎 𝑛𝑖 𝑦𝑎 𝑆𝑢𝑝𝑒𝑟𝑀𝑒𝑡𝑟𝑜... 𝑀𝑦 𝑠ℎ𝑖𝑓𝑡 𝑖𝑠 𝑜𝑣𝑒𝑟."

Then three years later you discover that person could have opened one of the biggest opportunities of your life.

..𝙖𝙣𝙙 𝙩𝙝𝙖𝙩'𝙨 𝙩𝙝𝙚 𝙩𝙝𝙞𝙣𝙜 𝙖𝙗𝙤𝙪𝙩 𝙚𝙭𝙘𝙚𝙡𝙡𝙚𝙣𝙘𝙚 -it rarely pays immediately, 𝙖𝙣𝙙 𝙩𝙝𝙖𝙩'𝙨 𝙬𝙝𝙮 𝙢𝙤𝙨𝙩 𝙥𝙚𝙤𝙥𝙡𝙚 𝙜𝙞𝙫𝙚 𝙪𝙥 𝙤𝙣 𝙞𝙩.

We want instant rewards.
Instant recognition.
Instant results.
But life doesn't always work that way.
Sometimes you're answering questions after hours.
Sometimes you're helping people who seem ordinary.
Sometimes you're doing work nobody notices.

Then years later... 𝗕𝗢𝗢𝗠! The opportunity arrives, not because of luck, but because somebody remembered how you made them feel.

Excellence is expensive in the moment - Mediocrity? 𝙀𝙭𝙥𝙚𝙣𝙨𝙞𝙫𝙚 𝙛𝙤𝙧 𝙮𝙚𝙖𝙧𝙨!

𝙒𝙝𝙖𝙩'𝙨 𝙤𝙣𝙚 𝙩𝙝𝙞𝙣𝙜 𝙮𝙤𝙪 𝙙𝙤 𝙚𝙭𝙘𝙚𝙥𝙩𝙞𝙤𝙣𝙖𝙡𝙡𝙮 𝙬𝙚𝙡𝙡 𝙚𝙫𝙚𝙣 𝙬𝙝𝙚𝙣 𝙣𝙤𝙗𝙤𝙙𝙮 𝙞𝙨 𝙬𝙖𝙩𝙘𝙝𝙞𝙣𝙜? 𝙎𝙤𝙢𝙚𝙤𝙣𝙚 𝙬𝙝𝙤 𝙣𝙚𝙚𝙙𝙨 𝙮𝙤𝙪𝙧 𝙜𝙞𝙛𝙩 𝙢𝙞𝙜𝙝𝙩 𝙗𝙚 𝙧𝙚𝙖𝙙𝙞𝙣𝙜 𝙩𝙝𝙞𝙨.

The opportunity that changes your life... may already know your name.

The question is: 𝙒𝙝𝙖𝙩 𝙙𝙤𝙚𝙨 𝙞𝙩 𝙠𝙣𝙤𝙬 𝙮𝙤𝙪 𝙛𝙤𝙧?
- "She's always late."
- "He does the bare minimum."
- "She's reliable."
- "He always delivers."

Three years before a life-changing opportunity found Rina... She simply stayed late to help five people understand investing.

𝗧𝗵𝗮𝘁'𝘀 𝗶𝘁 • 𝗡𝗼 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 • 𝗡𝗼 𝗮𝗴𝗲𝗻𝗱𝗮 • 𝗡𝗼 𝗻𝗲𝘁𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗺𝗮𝘀𝘁𝗲𝗿𝗰𝗹𝗮𝘀𝘀 -𝙅𝙪𝙨𝙩 𝙀𝙭𝙘𝙚𝙡𝙡𝙚𝙣𝙘𝙚!

The scary thing? Most people never know which moment is being remembered.

𝗗𝗼 𝘁𝗵𝗲 𝘀𝗺𝗮𝗹𝗹 𝘁𝗵𝗶𝗻𝗴𝘀 𝘄𝗲𝗹𝗹 - 𝙮𝙤𝙪𝙧 𝙛𝙪𝙩𝙪𝙧𝙚 𝙞𝙨 𝙥𝙖𝙮𝙞𝙣𝙜 𝙖𝙩𝙩𝙚𝙣𝙩𝙞𝙤𝙣!

Save this for the days when nobody seems to notice your effort.

Fellow Kenyans 😭

Don't we just 𝙇𝙊𝙑𝙀 retaining things.
- Land.
- Plots.
- Savings.
- Random biashara stock
- Storage containers, gift wrappers... name it!

But multiplication? 𝑊𝑢𝑒𝑒𝑒ℎ

Someone has had land in Kitengela since 1989 and it is still “𝑤𝑎𝑖𝑡𝑖𝑛𝑔 𝑓𝑜𝑟 𝑑𝑒𝑣𝑒𝑙𝑜𝑝𝑚𝑒𝑛𝑡” 😭😭😭

Rina Hicks said something DEEP: “𝘞𝘰𝘮𝘦𝘯 𝘢𝘳𝘦 𝘷𝘦𝘳𝘺 𝘨𝘰𝘰𝘥 𝘢𝘵 𝘳𝘦𝘵𝘦𝘯𝘵𝘪𝘰𝘯… 𝘣𝘶𝘵 𝘵𝘩𝘦 𝘤𝘩𝘢𝘭𝘭𝘦𝘯𝘨𝘦 𝘪𝘴 𝘮𝘶𝘭𝘵𝘪𝘱𝘭𝘪𝘤𝘢𝘵𝘪𝘰𝘯.”

And honestly? That exposed many of us.

Because some people think wealth means:
• Owning things
• Keeping money untouched
• Avoiding all risk

But wealth also requires growth.

Question: 𝘞𝘩𝘢𝘵 𝘩𝘢𝘷𝘦 𝘺𝘰𝘶 𝘣𝘦𝘦𝘯 𝘩𝘰𝘭𝘥𝘪𝘯𝘨 𝘰𝘯𝘵𝘰 𝘰𝘶𝘵 𝘰𝘧 𝘧𝘦𝘢𝘳 𝘪𝘯𝘴𝘵𝘦𝘢𝘥 𝘰𝘧 𝘮𝘶𝘭𝘵𝘪𝘱𝘭𝘺𝘪𝘯𝘨 𝘪𝘯𝘵𝘦𝘯𝘵𝘪𝘰𝘯𝘢𝘭𝘭𝘺?

Is it a skill? Money? A business idea? Land? Yourself? 😭

Because fear sounds wise… until 15 years pass.

Get your copy or Rina's book Moneywise: bit.ly/MoneyWiseBook - simplified steps to financial freedom

A painful truth? 😭

Many people are earning… 𝙗𝙪𝙩 𝙣𝙤𝙩 𝙧𝙚𝙩𝙖𝙞𝙣𝙞𝙣𝙜.
Money enters - 𝙥𝙧𝙚𝙨𝙨𝙪𝙧𝙚 𝙚𝙭𝙞𝙩𝙨 𝙬𝙞𝙩𝙝 𝙞𝙩 𝙞𝙢𝙢𝙚𝙙𝙞𝙖𝙩𝙚𝙡𝙮
• School fees.
• Black tax.
• Lifestyle.
• Emergencies.
• “𝑚𝑎𝑖𝑠ℎ𝑎 𝑛𝑜 𝑚𝑎𝑦𝑎" 😅

Then years pass… and you realize you worked hard but planted very little.

Rina always says: “𝑇𝑟𝑒𝑎𝑡 𝑦𝑜𝑢𝑟 𝑖𝑛𝑐𝑜𝑚𝑒 𝑙𝑖𝑘𝑒 𝑠𝑒𝑒𝑑.” Because seed is not meant to be eaten entirely.

Question: 𝙒𝙝𝙖𝙩 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙝𝙖𝙗𝙞𝙩 𝙞𝙨 𝙦𝙪𝙞𝙚𝙩𝙡𝙮 𝙘𝙤𝙨𝙩𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙛𝙪𝙩𝙪𝙧𝙚?

🎙️ The 𝗨𝗻𝗺𝗼𝘁𝗵𝗲𝗿 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳 webinar is going down tonight with Dr. Jennie Karina and Rina Hicks - an integernerational discussion on the many things women need to unlearn - key of them being money - you coming?

👉 bit.ly/AnchorMums

One thing nobody prepares you for as an adult is realizing how EMOTIONAL money actually is... 𝙬𝙪𝙚𝙚𝙚𝙝!😭😭

Because sometimes the fear is not: “𝙄’𝙡𝙡 𝙡𝙤𝙨𝙚 𝙢𝙤𝙣𝙚𝙮.”
The fear is:
• “What if I struggle again?”
• “What if my family needs me?”
• “What if I fail?”
• “What if I can’t maintain this life?”
• “What if people see I’m not okay financially?”

And honestly? That fear quietly shapes SO many decisions.

Rina shared recently that when she felt convicted to give a large amount financially, her body literally reacted.

- Heart palpitations
- Panic.
- Full on shock

And it made her ask herself: “𝙒𝙝𝙮 𝙖𝙢 𝙄 𝙨𝙩𝙧𝙪𝙜𝙜𝙡𝙞𝙣𝙜 𝙨𝙤 𝙢𝙪𝙘𝙝 𝙩𝙤 𝙧𝙚𝙡𝙚𝙖𝙨𝙚 𝙩𝙝𝙞𝙨 𝙢𝙤𝙣𝙚𝙮?”

That question is DEEP.

Because many of us grew up where money was survival.

So now as adults:
• We overwork
• Over-save
• Over-carry people
• Panic financially
• Struggle to rest
• Struggle to release control

Not because we are greedy... but because money became emotional safety.

Question: What’s your REAL fear around money? 👀

Mine? I think many people secretly fear going backwards financially after working so hard to move forward.

Get a deeper understanding of money psychology in Rina's book: MoneyWise: Create, Grow & Preserve Wealth 👉 bit.ly/MoneyWiseBook