cheruiyotkb ✓
@cheruiyotkb · Nairobi, Kenya · joined 06 Oct 2013
~ NSE ~ Insurance ~ Personal Finance ~ Retirement Planning ~ SACCO ~ Unit Trusts ~
209 117Followers
180 136Following
48 911Posts total
270.5KViews on collected posts
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A new budget that gives you property deposit in 24 months:
•Loan 50K - keep
•Sacco 5K - keep
•School fees 8K - keep
•Chama: Reduce to 5K
•Miscellaneous capped: 10K
•Rent 10K, househelp 10K, Mom 5,000 = 25K - keep
•Shopping: reduce to 10K - Nyandarua food is fair, do
1.3K views · 14 likes
· 0 reposts · 0 replies
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@cheruiyotkb I’m suspecting this 50k is car loan
635 views · 4 likes
· 0 reposts · 1 replies
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Sh 18K food shopping appears a lot in "Potato County" With two young children and a househelp, examine leaks in your kitchen. You can cut costs by purchasing directly from farmers' markets.
Open 2 MMF sinking funds - "School Fees" and "Plot Fund". Standing order on payday: 8K to
1.6K views · 11 likes
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You can't invest until you seal these money traps. What's the Sh 50K loan for? Property, home upgrades, or consumption? What's the balance? After paying it off, never take a consumption loan again.
Chama 10K and SACCO 5K is 15K savings but you can't access them when broke. Is
1.9K views · 16 likes
· 1 reposts · 2 replies
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With Sh 150K net in Nyandarua, you shouldn't be broke by 5th. You have a leakage, not an income problem. You cannot account for Sh 34K. That's Sh 408K annually gone without a plot to show for it.
90% of middle income female earners spend on Bolt/car fuel/errands, airtime/data,
1.9K views · 18 likes
· 1 reposts · 1 replies
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"I am a single mom of two, age 8 and 2. I earn a net salary of Sh 150,000 and live in Nyandarua.
My expenses are: Loan 50K, SACCO savings 5K, Chama 10K, Mom 5K, Shopping 18K, Rent 10K, Househelp 10K, School fees 24K per term.
The rest disappears into miscellaneous. Despite my
14.3K views · 177 likes
· 16 reposts · 19 replies
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X Space!
Running a business means dealing with sales, expenses, suppliers, employees, taxes, debt and, hopefully, profit. But making money from a business and managing that money well are two very different things.
Learn the practical side of managing business finances with htt
2.9K views · 12 likes
· 3 reposts · 0 replies
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"Financial capital is a result of social capital, which is a result of mental capital" - Robert, CEO @TheAbojani
At the 6th Economic Empowerment Conference 2026, you sit next to someone who already has shares CDS, DhowCSD, SACCO, and REIT. You exchange contacts. That's how you h
2.8K views · 14 likes
· 2 reposts · 1 replies
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Building a low-risk portfolio on Sh 70K net salary:
Allocate 20% allocation to savings and investments, that's Sh 14,000.
~Put 9000 in a FIF
~Put 5000 in a SACCO BOSA
End of year 1:
FIF = 119,880 net average 11%
SACCO = 66,600 net average 11%
Total = 186,480
9.3K views · 163 likes
· 17 reposts · 5 replies
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@cheruiyotkb Great analysis. I usually tell people, risk is a privilege for the young and rich. If you're not either, really think hard on anything with a risk above 20%
4.9K views · 43 likes
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On Sh 60K net salary, if you can add Sh 15K side income from a skill business, you effectively net Sh 75K. That's better than a Sh 700K business that requires your fulltime presence to run effectively, or a postgraduate course that may not convert to cash sooner.
8.5K views · 49 likes
· 5 reposts · 3 replies
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Remain with Sh 300K to invest in yourself:
- Option A: Part-time Masters, Sh 250K (pay semester by semester from salary, not lump sum) and Sh 50K for a small side hustle.
- Option B: Professional cert that raises salary now, eg. CPA final, CIPS, KISM — Sh 40K-90K, 3-6 months,
9.3K views · 50 likes
· 5 reposts · 3 replies
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3. What is the hybrid plan most age 40 actually win with?
• Keep Sh 400K intact — never touch.
- Sh 200K in MMF = 6 months emergency (target Sh 60K x 6 = 360K)
- Sh 200K in IFB Bond @ 13% tax-free can be a retirement starter. >>
10.1K views · 59 likes
· 7 reposts · 3 replies
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Good businesses for a 40 y/o on Sh 60K salary:
• Service you already do: If you are an accountant, start tax filing/audit side hustle — you need a Sh 50K laptop and KRA certificate, not Sh 700K
• Consultancy, training, tuition, procurement supply to your employer network.
•
11.2K views · 71 likes
· 7 reposts · 1 replies
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2. What business do you want to start?
At 40 y/o, good businesses are skill-based, not rent-based.
"Bad" businesses for Sh 700K:
• Boutique, salon, bar, taxi, wines & spirits (80% die in one year, rent eats cash flows)
• Farming far away you can't supervise >>
12.3K views · 55 likes
· 5 reposts · 1 replies
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If Masters is just for knowledge with no promotion prospects, like an MBA at Sh 450K from a private university, that ROI is zero in this market.
You may bet your chances at a teaching job, or moving employment. Most employers pay for skills, not papers. >>
13K views · 50 likes
· 3 reposts · 2 replies
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Three Questions:
1. Will the postgraduate give him a pay rise in 12 months?
In Kenya public service/corporate, some Masters give you nothing, some give you a job group jump.
If you are in public service at Job Group L/M (C3/C4) and a Masters moves you to N/P (C5/D1) (Sh
14.7K views · 79 likes
· 4 reposts · 1 replies
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Sh 700K is not business capital. It's his emergency and freedom fund.
If Jack spends all Sh 700K on either business or Masters and the business fails, he will be 41 earning Sh 60k with zero savings. The post-grad course will take up to 3 years and the salary conversion may not
15K views · 85 likes
· 6 reposts · 1 replies
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Jack, age 40, earns Sh 60K monthly salary. He has accumulated Sh 700K savings. He is in dilemma on whether to start a business or pay for postgraduate studies. My take 👇
At 40 with Sh 60K and Sh 700K savings, this is the most dangerous decision point. One wrong move wipes 5
134.8K views · 859 likes
· 117 reposts · 38 replies
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Face aux comptes de taille comparable
19 posts des 90 derniers jours, à côté de la tranche de 100K–1M abonnés. diffusé largement, mais peu de ces spectateurs réagissent.
Vues médianes9 332ce compte5 995médiane pour 100K–1M
Portée, %4.46%ce compte1.62%médiane pour 100K–1M
Engagement, %0.70%ce compte1.03%médiane pour 100K–1M
| Indicateur | Ce compte | Médiane pour 100K–1M | Rapport |
|---|---|---|---|
| Vues médianes par post | 9 332 | 5 995 | 1.56× |
| Portée (vues ÷ abonnés) | 4.46% | 1.62% | 2.75× |
| Taux d'engagement | 0.70% | 1.03% | 0.68× |
Autres comptes de cette tranche → Comparer avec un autre compte → Comment ces repères sont établis →
Growth & engagement
How the posts we collected actually performed: views and reaction rate post by post, what the audience did with them, and where the follower count goes.
Views per post
11.2K8 Sep
10.1K
9.3K
8.5K
4.9K
9.3K15 Sep
2.8K
2.9K16 Sep
14.3K
1.9K
1.9K
1.6K
635
1.3K
Last 14 collected posts, oldest on the left. The scale is logarithmic: one post can outrun the rest a hundred times over.
Engagement rate per post
0.70%8 Sep
0.68%
0.62%
0.67%
0.97%
1.98%15 Sep
0.61%
0.53%16 Sep
1.49%
1.03%
1.02%
0.73%
0.79%
1.08%
Reactions — likes, reposts, replies and quotes — divided by views. Median for 100K–1M accounts is 1.03%.
What the audience does
Likes67.5%1 829 in total
Reposts7.5%203 in total
Replies3.1%84 in total
Quotes0.3%7 in total
Bookmarks21.7%587 in total
Share of every reaction we collected for this account. Replies mean argument, reposts mean endorsement, bookmarks mean the post was worth keeping.
The follower curve appears once this account has two daily snapshots — we take one a day, and this one is on its first.
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