𝙹𝚄𝙼𝙰 (@PRO_IFAx) - Twitter Profile | Zamantika Mersobahis Locabet

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The "Rule of Three" Strategy: When that salary hits, don't just spend. Divide it: 1.Fixed Bills: Keep the lights on and rent paid. 2.Future You: Allocate a percentage to savings/investments first. 3.Lifestyle: Spend what remains guilt-free. Discipline now equals freedom later

cheruiyotkb@cheruiyotkb

When your salary hits the account, pay all bills and fixed expenses. Don't just decide how to spend what's left. Have an advance plan. Many times, we procrastinate paying bills and end up spending that money on things we don't really need. Remember to treat savings as bills too.

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𝙹𝚄𝙼𝙰@PRO_IFAx·41m

@kijana_ghetto Morning

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BLANK@kijana_ghetto·51m

Good morning friends? Where are you replying from?

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𝙹𝚄𝙼𝙰@PRO_IFAx·9h

@schruttee Dm lets structure something

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Dunder Mifflin This is,@schruttee·13h

Nimekula savings zote nimebaki na 2k😭😭

𝐌𝐢𝐜𝐚𝐥🐉@KatheuNzyimi

I’m so bad at saving money

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𝙹𝚄𝙼𝙰@PRO_IFAx·9h

@____sire Whatsapp number iko kwa bio

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𝐒𝐚𝐠𝐞:_𝐢𝐧𝐭𝐞𝐥🧐@____sire·9h

@PRO_IFAx Okay

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𝐒𝐚𝐠𝐞:_𝐢𝐧𝐭𝐞𝐥🧐@____sire·10h

How much money should someone have before hiring a financial advisor?

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𝙹𝚄𝙼𝙰@PRO_IFAx·10h

@Savo_ke Such gigs ziliisha

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savo@Savo_ke·10h

Hakuna influencer wa betting anaeza nipea kazi walai?

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𝙹𝚄𝙼𝙰@PRO_IFAx·10h

@KiongoziGk Follow me Thank you later

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Arap Chelel@KiongoziGk·10h

I nolonger want followers, i need real friends, drop them handles

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𝙹𝚄𝙼𝙰@PRO_IFAx·10h

The problem isn’t usually lack of discipline. It’s lack of structure. Try this simple shift: → Pay yourself first (10–20% into assets/savings) → Automate it the same day salary hits → Then spend what’s left guilt-free Most people do the opposite and wonder why nothing remains. What’s your biggest saving struggle right now?

𝐌𝐢𝐜𝐚𝐥🐉@KatheuNzyimi

I’m so bad at saving money

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𝙹𝚄𝙼𝙰@PRO_IFAx·10h

@kahome_steve That thing called critical illness,,,, many ignore it. Kindly enlighten them.

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Gichuki Kahome@kahome_steve·10h

🧵 THREAD: How to use a Whole Life Insurance policy to replace your income & protect your family's cash flow Read this especially if you have children or dependents.👇👇

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𝙹𝚄𝙼𝙰@PRO_IFAx·10h

@ggiste You'de have unlocked passive income in your life

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GISTE@ggiste·11h

For the next 5 years: - Learn to live on 50% of what you make - Learn to make 25% more each year - Pay off all your debt - Invest as much as you can into index funds The outcome is that you will have just re-written your entire life journey.

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

The "Rule of Three" Strategy: When that salary hits, don't just spend. Divide it: 1.Fixed Bills: Keep the lights on and rent paid. 2.Future You: Allocate a percentage to savings/investments first. 3.Lifestyle: Spend what remains guilt-free. Discipline now equals freedom later

cheruiyotkb@cheruiyotkb

When your salary hits the account, pay all bills and fixed expenses. Don't just decide how to spend what's left. Have an advance plan. Many times, we procrastinate paying bills and end up spending that money on things we don't really need. Remember to treat savings as bills too.

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𝙹𝚄𝙼𝙰 retweeted

WAM AI@wam_ai_tech·1d

My father is 83 years old and has studied US stocks for almost 52 years. He summarized some simple rules for beginners: 1. Price falls 5% → Hold 2. Price falls 15% → Buy 10% 3. Price falls 25% → Buy 25% 4. Price rises 5% → Continue holding 5. Price rises 15% → Continue holding 6. Price rises 25% → Sell 10% 7. Price rises 35% → Sell 20% 8. Price rises 45% → Sell 30% 9. Price rises 60% → Sell 40% 10. Price rises 100% → Sell everything Discipline + patience = stable long-term growth. (Save this later).

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𝙹𝚄𝙼𝙰@PRO_IFAx·11h

@Savo_ke Utashangaa

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savo@Savo_ke·14h

Kesho haifiki aki 🥲😂😂

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

@invest_cashflow *time

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

@invest_cashflow Your greatest weapon ti creating passive income after retirement is times

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Kitheka@invest_cashflow·1d

Cash flow is king. Timing is your lifeline. You've built a tidy KES 1M portfolio across the usual NSE dividend names: Stanchart, Stanbic, Coop, BAT, etc. At 12%, that's roughly KES 120K a year. Looks solid on a spreadsheet. But your actual bills don't care about spreadsheets: rent 25K, KPLC 3K, water 1.5K, wifi 3K, school fees 35K, plus transport and food every single month. That's roughly 80K before health insurance, or the WhatsApp harambee from a cousin you can't dodge. Here's the catch: most companies pay dividends once or twice a year. Your bills come monthly. That timing mismatch, not the yield, is what actually breaks your budget. So don't chase dividend yield. Build a payout calendar across companies with different dividend dates. Stagger it right, and one payout becomes one less bill to worry about.

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

@TheAbojani Without addiing the compounding effect

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Abojani Investment 🇰🇪🇺🇬🇹🇿@TheAbojani·21h

MYTH: I don't have enough money to invest Reality: Sh2,000 invested regularly, every month, over 30 years (a total of Sh 720,000) has the potential to become Sh 3.7 million, assuming a growth of 9% p.a.

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𝙹𝚄𝙼𝙰 retweeted

Mwango Capital@MwangoCapital·22h

Standard Investment Bank’s disclosure in Family Bank’s Information Memorandum looks wanting, given that the document states SIB had no material direct or indirect interest in Family Bank beyond its Transaction Advisor role. —Yet one of its funds, the MansaX Special Fund -KES. disclosed Family Bank as a 1.52% Q1 2026 portfolio holding, implying ~KES 2B exposure on KES 132.18B AUM. —Given Family Bank’s expected listing valuation of about KES 30B, that exposure should have been material enough to warrant clearer disclosure. —Investors deserve clarity on why this advisor-linked exposure was not expressly addressed in the Information Memorandum.

Mwango Capital@MwangoCapital

MansaX and Kenya Re are among the disclosed institutional holders of Family Bank: — Kenya Re discloses a 1.0% stake in Family Bank, valued at KES 252M as of December 2025. — MansaX Special Fund - KES disclosed Family Bank as a 1.52% holding of its KES 132.18B AUM in Q1 2026, implying exposure of ~KES 2.01B. Using Kenya Re’s valuation as a rough marker, MansaX’s exposure would imply an estimated ~8.0% stake in Family Bank ahead of a planned listing by introduction in Q2 2026.

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

Which bucket do you struggle with most? Reply

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𝙹𝚄𝙼𝙰@PRO_IFAx·20h

@stephenAnyonje Spread the word

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Money World@stephenAnyonje·22h

Pay yourself first, savings and investments, the moment salary lands, then let bills come out of what remains. Bills have built-in urgency (late fees, shutoff notices force you to pay them), but savings have zero urgency, which is exactly why they keep losing the fight for your attention. Automate the discipline, don't rely on willpower for it.

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𝙹𝚄𝙼𝙰@PRO_IFAx·1d

@FabrizioRomano Liverpool saw Newcastle doing all the hard work and said "thank you for the scouting report.

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Fabrizio Romano@FabrizioRomano·1d

🚨💣 The exclusive news out of nowhere: Víctor Muñoz will be new Liverpool player on contract until June 2032. Hijack completed tonight and #LFC to pay €40m to Osasuna (and €20m will go to Real Madrid).

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