Mwangi Maina

I moved from Kenya to Germany to work. Here’s the financial reality Africans aren’t told 🇩🇪 1/ You earn more. But you don’t feel rich. Europe is expensive in quiet ways: • insurance • tax • rent • energy • transport Salary rises. So do costs. 2/ In Kenya, money pressure is visible. In Germany, it’s invisible. Bills are automated. Deductions silent. You don’t see money leave. But it leaves. 3/ Sending money home changes meaning abroad. €100 in Germany = small €100 in Kenya = big You live in two value systems at once. 4/ Saving abroad is easier structurally. But harder emotionally. Because: You compare You support family You feel responsible 5/ The biggest shift: Abroad, wealth isn’t income. It’s what remains after stability. Most immigrants reach stability. Few reach wealth. 6/ Still — moving abroad changed my financial life. Not because Europe is rich. But because systems are predictable. And predictability builds wealth. — Sharing diaspora money lessons as a Kenyan in Germany 🇰🇪🇩🇪

@Safaricom_Care @GathogoBMwangi @SafaricomPLC Nyinyi ni washenzi @Safaricom_Care @SafaricomPLC

@GathogoBMwangi @SafaricomPLC Hi @GathogoBMwangi sorry for the inconvenience. To log back into My OneApp while abroad, ensure your Safaricom SIM is inserted as primary, roaming is active, and use mobile data (not Wi‑Fi) for the first login. You can switch to Wi‑Fi after. Thanks for your patience.

Dear @SafaricomPLC @Safaricom_Care this is utmost inconvenience for users of Mpesa outside the country. You have logged out all of us and the only way to login again is to have the Safaricom network connected, which doesn’t work on roaming. One had to wait to come to Ke so they can activate the app. Now tell me, what do you want me to do with the money in my mpesa? How will i continue using it?? Huge disappointment!

@GathogoBMwangi @SafaricomPLC @Safaricom_Care This guys have messed us big time. I am also stuck there despite buying those roaming Nonsense bundles. I do most of my investments back home via Mpesa. This was a very stupid move.

@kahome_steve @carlmwania 😂😂

@carlmwania Please ignore it

If I was a beginner investor starting with just KES 100,000 on the NSE today, Here's exactly how I would split it. Portfolio breakdown below 👇🧵

@_falsi1ke IFB 100%. Unfollow if I dont follow ASAP. Let us grow together. There is enough for us all.

Bro to bro, build your X account.

@moneyacademyKE We need to know who those Saccos are. Waiting for that publication.

Over 10,000 Saccos in Kenya are facing closure over failure to file returns. Out of 13,000, only 2,700 are compliant.

@CoachDanGo Never skip leg day.

The most important muscle for aging is your legs. You avoid falls and improve balance. Stronger legs are associated with a bigger brain and slower cognitive decline. Having a strong set of legs is your key to staying independent as you get older.

@MwangoCapital Where does Kenya stand here? I thought Nigeria was an Emerging market.

FTSE Russell has reclassified Nigeria from Unclassified to Frontier market status:

@pkomot @moneyacademyKE Big people at the top must take their cut.

@moneyacademyKE Despite the stringent tests, explain why some petrol stations would still sell adulterated fuel?

Here is how fuel moves from the Gulf to your car in Kenya Save the thread below:

@moneyacademyKE So who was incharge at this stage? He should be in jail.

Quality check Fuel is tested before storage. Only fuel that meets standards is accepted.

@moneyacademyKE The World Bank and all other multilateral Organizations like BIS, WTO, IMF etc are all insiders. Hosts and at the same time parasites. They are not interested in public good. Dont be fooled. "Profits are privatized and losses are socialized".

World Bank has approved extra funding for the 740km Isiolo–Mandera highway at a cost of about Sh71 billion

@invest_cashflow @moneyacademyKE Modern slavery. The entire financial system is set up to oppress the poor citizens and enrich the Wealthy.

@moneyacademyKE So, how does the IMF hold nations accountable? Do they really follow up to ensure funds are used for the intended purpose? Or are they in the business of lending nations for profit?

@moneyacademyKE I still insist. At the end of it all, some people must end up locked up. If we are serious.

Energy CS Opiyo Wandayi has failed to appear before the National Assembly Energy Committee over claims of substandard fuel imports outside the G-to-G framework.

@moneyacademyKE I hope more Kenyans come onboard and the random Whatsapp group additions slowly die a quiet natural death. It is achievable.

Britam Connect, a unit of Britam, has launched the Heshima Farewell Plan, a funeral cover from Sh1,000 per year to cater for burial expenses.

@MwangoCapital Shamba pesa ngapi hapo Isiolo?

The World Bank has approved $550M to upgrade 508 km of the Isiolo–Mandera corridor and deploy ~1,270 km of fiber infrastructure. Travel time between Nairobi and Mandera is expected to fall from ~3 days to 1, reducing transport and trade costs.

@moneyacademyKE People should be in jail.

Oil marketers now say the recalled Sh11.8 billion petrol cannot be removed. They say it’s already mixed inside KPC pipelines, making it impossible to trace. (Despite govt orders, the fuel may still be in circulation)

@machuche1 Adoption will come eventually. Anyone who understands or has lived through volatility or currency devaluations should understand BTC. Or atleast hedge using other asset classes. Financial illiteracy could be the biggest culprit.

@SteveMwangi_ I like btc but real people on ground don’t use btc for everyday payments, nor do institutions..

Every African currency loses value against the dollar. Every year. That’s not pessimism, it’s just math. Dollar scarcity’s real in Africa. Makes you think what if you could hold your local currency digitally, move it instantly & swap to USD / any other currency when you need to?

The most valuable financial habit: Investing even when life feels stable. Because stability can disappear faster than people expect.

A quiet truth about money: Your financial future is shaped more by habits than by salary.

People from stable economies see Bitcoin differently. People from unstable currencies understand it immediately.

@RufasKe Exactly. People who live in stable economies or currencies view BTC as just speculation. People who come from unstable economies and currencies understand BTC right away. Or easier.

Or just HODL Bitcoin