Saving money is important, but is it enough to build wealth? In this episode of Cele’s Reflections, we sit down with financial expert Susan Wanjiku to break down basic investments simply and practically, from emergency funds to money market funds, SACCOs, shares, and bonds. We unpack where beginners can start without feeling overwhelmed. We also discuss common mistakes people make, why consistency matters more than large amounts, and how to move from just saving to actually growing your money. If you have been wondering how to start investing this year, this conversation will give you clarity and confidence to begin
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Heeeey,,I'm watching this now just turned 23 and wow I'm glad I got it
great talk…Susan manzee umenichanua..
is a pension fund similar to what our employers deposit at NSSF or other private fund group? Pls enlighten me..
Thank you so much 🙏🙏🙏💯💯💯
To that emergency fund how much per month on average?
Suzan my financial coach always 👏
Hey i have come across this channel, thanks for the investment advice really needed it
She has NAILED this interview. Kudos
do i keep on buying budget sheet every year ?
Mr zimele you almost killed me😢
I want to buy the budgeting tool, how do I get it at the subsidized amount?
So coach the pension fund will start paying you when you get to the set retirement age?.if so what's the difference of it and nssf which did so well last year
Cele you are funny😂 kwanza hapo Kwa safaricom😂😂.we are both adding on this knowledge from this lady❤
I agree with Susan on saccos. Saccos are good when you want a loan. But they also give dividends which is also a give
Listening this while in Gulf trying to unchain myself from this slavery 😢😢. Thanks for this
@celestinendinda na kama your total earnings can't account for retirement savings plus Sacco plus MMF plus spendings
44:43 Hapo kwa cash and cash equivalents, what's the benefit given that una invest and you can withdraw the money short term ?
An observation on your discussions on what you are spending now (100k) at age 31 and what you will need at age 50 (200k), I find it way above.
This is because now you have school fees but in retirement when kids have left home, you will scale down on both domestic and school fees.
In my pedestrian estimates, a retiree now with no rent or education fees requires 70k to live comfortably. He will require a max of 120k in 15 years with inflation.
200k is an overkill.
At NAWIRI SACCO we pay dividends at an interest rate of 15% both for the capital shares and unwiithdrawable deposits,
finally understood how bonds work. thank you
so you are not liquid so that you can be guilt free when saying no to black tax……. but when they die you can be part of the harambee. Just have money to give when they ask. give and it shall be given unto you.
THIS, VERY POWEFUL INFORMATION….ASANTE SANA😍😍😍
Buying share capital is good but remember they dont refund the share capital incase you want to leave the sacco. Secondly depositing is good since its a way of savings as well.
Leo nimeenda shule: feels like a Finance Master Class.
This a mind blowing conversation, thank you coach Susan and Cele for this insightful conversation. As a Genz , I have learnt a lot from this podcast .
That was a class and half. Thank you Susan.
Insightful.Thank you so much
Soo educative. Thank you coach and Cele. Weeee I've learned alot
How much money can you consider as fully funded emergency funds?
Hapo kwa zimele wah😂😂😂
Any time i listen to Susan, she challenges me to do better.
I love your hair, Cele.❤
thank you for this Cele,am now woke
Thanks Cele, very informative class