Let’s be honest: most people don’t truly care that you’re drowning in debt, can’t make rent, or are juggling multiple loans just to stay afloat. They might sympathize and nod and say “pole” when you open up, but once the conversation ends, so does their concern. The truth? Your financial struggles are yours alone to carry—and that’s why you must be the first to care, deeply and urgently.
Painful? Yes. But necessary to acknowledge it.
In a world where everyone is focused on their own survival, hoping someone will come rescue you from your financial mess is a dangerous illusion. The system isn’t designed to save you. Your boss won’t. The government probably won’t- This Kenyan one most definitely can’t ! Even your friends, no matter how well-meaning, have their own financial fires to put out.
But there is one person who can step up for you, and that’s YOU!
How can you do this, you may ask?
Financial planning isn’t about being rich. It’s about being ready. Being Ready for life’s ups and downs. Ready for opportunity. Ready for freedom.
Think about it:
- Do you know where your money goes every month?
- Are you clear on what you owe, what you own, and what you’re working towards financially?
- Can you afford a financial emergency without panicking?
- Do you have a plan for retirement, or are you hoping your children or a miracle will provide when that time comes?
If these questions make you uncomfortable, good. That discomfort is a signal that something needs to change.
Financial planning is your way of saying, “I may not control the economy, but I control my choices.”
What then happens when you don’t plan?
No plan, no peace. When you don’t plan, life feels chaotic. You live paycheck to paycheck, avoid bank notifications, and feel a constant, low-grade anxiety whenever money comes up in conversation. That’s no way to live.
With a financial plan in place, you take back your power:
- You set clear goals—whether it’s saving for a home, starting a business, paying school fees, or taking a much-needed solo vacation.
- You build safety nets—emergency funds- take up protection policies (insurance), and investments that generate passive income.
- You gain clarity—no more blind spots or wishful thinking. You know where you stand and where you’re headed.
Many of us were never taught how to handle money, so we wing it. We avoid the numbers, delay decisions, and tell ourselves we’ll start “next month.” But hope is not a financial strategy.
The earlier you start planning, the more options you create for your future self. You deserve to live a life where money doesn’t control your every move, but that won’t happen by accident.
Ask Yourself:
- What does financial freedom mean to me?
- Am I actively working towards it, or am I just surviving?
- What would it take to finally take control of my financial life?
It’s time to stop romanticizing struggle. Your financial healing starts when you decide you’ve had enough. Not when someone hands you a miracle. Not when the system changes. But when you change.
If you’ve never had a financial plan, this is your sign to create one. Click on the link below and book a Free needs analysis session with a wealth advisor. Take that bold step today
While no one may care about your financial struggles the way you do, that doesn’t mean you should stop caring.
It means you should care even more.
And when you do, everything changes.