What does it really take to build a fashion brand in Kenya when local work is rarely valued at premium price? Scovia Miruka, founder and creative director of Hawi read to wear, shares her raw money journey shaped by loss ambition and ownership from selling second hand clothes to pay her school fees to leaving a stable job and pricing a dress at KES 10,000 that changed everything.She reflects on grief early financial responsibility the limits of salaried work and the real cost of making clothes locally while unpacking the mindset shift required to believe Kenyan made brands can compete globally.

Eliud's money story didn't follow the usual script. Before insurance offices, boardrooms, and BIMA TV, there were matatus, fruit crates, daily cash, and survival decisions. In this episode, Eliud opens up about the uncomfortable middle. The phase where income grows but discipline slips. Where loans feel like progress until they don’t. Where mistakes teach harder lessons than success ever could.

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Timestamps 00:00 – Introduction02:40 – 2025 Wins & Financially Incorrect Decisions04:35 – Early Money Lessons & Childhood Hustles06:20 – Entering the Insurance Industry08:30 – Hawking, Makanga Life & Surviving Nairobi12:40 – Choosing Stability Over Fast Cash14:30 – Makanga Side Hustle & Early Investments19:10 – Career Growth: From Filing Clerk to Insurance Professional26:30 – How Insurance Really Works (Claims & Mistakes)34:30 – Career Acceleration: Underwriting, Jubilee & Big Business38:15 – Costly Financial Mistakes & Loan Lessons41:30 – Money Mindset Shift & The Birth of BMA TV44:50 – Marriage, Family & Financial Responsibility47:25 – Happiest vs Saddest Money Moments49:15 – Advice to His Younger Self51:15 – Final Reflections & Outro

What happens when you do everything right and life still doesn’t follow the script? In this episode of Financially Incorrect, we sit down with Dr Gladys Ngetich, a Kenyan engineer, Rhodes Scholar, Oxford PhD graduate and former MIT postdoctoral researcher, to talk about the parts of success people rarely admit out loud. Gladys grew up in Kuresoi South, excelled academically at JKUAT, graduated with one of the strongest first-class records in her class, and went on to secure some of the most competitive academic opportunities in the world, including a PhD at Oxford and a postdoctoral fellowship at MIT. On paper, her story looks flawless. In reality, it wasn’t. She opens up about graduating top of her class and failing to find a job, being rejected repeatedly after Oxford, discovering how automated hiring systems quietly filter out even elite candidates, and why networking mattered more than merit in moments that shaped her career. We also talk money. The scholarships that gave her more cash than she knew how to manage. The years of reckless spending. The moment she finally learned to save. The Uber cars and Airbnb investments she made back home in Kenya. The books she self-published that quietly earned more than some salaries. And the decision, at 31, to walk away, travel across 13 countries, and sit with a mid-life reckoning most people postpone. This is a conversation about ambition, detours, financial literacy, burnout, and what it really means to build a life beyond credentials. If you’re a student, a high achiever, or someone questioning whether success is supposed to feel this confusing, this episode will stay with you.--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

🔍 Read more about Gladys here: 👉 https://www.gladysngetich.com/about--------------------------------------------------------------------Timestamps00:00 Introduction & Context06:56 – Meet Dr Gladys Ngetich: Oxford, MIT, and the life behind the CV09:14 – Her 2026 money goal and why intentionality came late10:44 – What her PhD was really about (in plain English)14:38 – How she joined a PhD project and patented research15:06 – Growing up in rural Kenya and learning that money was scarce17:30 – Unpaid labour, family sacrifice, and early money beliefs20:07 – Why she chose engineering and life at JKUAT24:02 – Chasing A’s, ignoring business, and living for grades26:35 – Scholarships, excess cash, and reckless spending34:33 – Graduating top of her class and still not getting a job37:52 – Online writing, first real income, and lifestyle inflation39:17 – The banking detour that taught her more than engineering46:28 – Discovering the Rhodes Scholarship and applying anyway52:19 – Life at Oxford: money coming in, none staying55:20 – Skipping a Master’s degree and going straight into a PhD59:38 – Post-PhD rejection, SpaceX dreams, and reality hitting again01:01:37 – Landing MIT, earning six figures, and moving to the US01:03:02 – Visas, pressure, and limits of working abroad01:04:05 – ATS systems and why great CVs get rejected01:10:08 – Turning 31, quitting suddenly, and a 13-country reset01:25:35 – Writing books, passive income, and unexpected leverage01:27:22 – Why she paused academia to learn money and business01:28:18 – Final reflections and closing

Suraj didn’t “blow up.” He toiled. From playing Hindu temples in his hometown of Kisumu, to DJing for drink vouchers, to taking years just to make his first KES 100,000 from music - this wasn’t a fast story. It was a patient one. He gave his early earnings to his mum. Got told “not yet” more times than he can count.So he stopped waiting. He built Gondwana alongside Euggy and two friends. Captain’s Terrace. Thirty people in the room. Two meals and two drinks as payment. And he kept going. Seven years in, the world finally started listening.What changed everything wasn’t luck. It was the choice to keep building - quietly - long before anyone was watching.

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In this episode, we sit down with Dorothy Ooko — former French lecturer turned Nokia and Google Communications leader — to explore the financial mindset behind her incredible career pivot. Dorothy shares how she went from teaching at KU and USIU to leading communications across Africa at two global tech giants — despite having no PR background. She opens up about disciplined money habits, avoiding debt, buying her home in cash, and why she now teaches women to negotiate confidently. We also unpack her role in the zero-rated mobile tax campaign that transformed phone accessibility in Kenya, her life after Google, and the experiences and friendships that pushed her beyond her comfort zone.-----------------------------------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

On this episode of Financially Incorrect, we sit down with Allan Mutuma, founder of Brown Cap Developers, to break down how he transitioned from corporate finance into building a fast-growing real estate business in Kenya. Founded in 2021, Brown Cap Developers has completed projects worth ~KES 400M and sold units totaling ~KES 500M in under four years — largely through personal networks, referrals, and disciplined execution rather than heavy marketing. Alan shares how growing up in a middle-class Nairobi family shaped his money habits, his early ventures selling second-hand shoes, investing while at Strathmore University, and how his first property project started as a family solution with just 15% equity and a lot of creative financing. We also talk about the role of partnership with his wife, family governance, faith and financial discipline, and why 70–80% of property investors are women — a point backed by behavioral finance research. A grounded conversation on real estate, money, and building quietly in Kenya.
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Sir M is one of Kenya’s most exciting new-age DJs, and this episode breaks down exactly how he got here. From dropping out of university with his parents’ support, to chasing a music career that never took off, Sir M shares the real story behind the pivots, setbacks, and discipline that shaped his journey. He walks us through his process — how he built his sound, sharpened his craft, and positioned himself in a crowded scene — plus the moments that changed everything--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

In this episode, we dive into the untold story of Eric Thimba — the Kenyan who left for the US to chase a degree, came back without one, and had to rebuild his life from zero. He talks about drifting through his early years, finding direction much later in life, stumbling into his first business, and eventually cofounding Mookh Africa before uprooting everything and starting again in Uganda. It’s a raw, creative, late-bloomer’s story about finding your lane long after everyone thinks you should have it figured out.--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

Thinking of buying your first home in Kenya? 🏠 This video walks you through everything you need to know about getting a mortgage backed by Kenya Mortgage Refinance Company (KMRC) — from eligibility criteria to the step-by-step process for securing an affordable, long-term home loan. We explain how KMRC works, how it partners with banks and SACCOs, and how you can take advantage of its fixed-rate, single-digit mortgage financing.--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

Monicah Etemesi is a Nairobi-based entrepreneur, wedding planner, and luxury events stylist, best known as the founder of Pritt Events, a company she built from the ground up in 2020 at the height of the pandemic. Raised in Kitale by a resilient single mother after losing her father at age 10, Monicah credits her strength and drive to the example set at home. Pritt Events has grown into a respected name in Nairobi’s events scene, delivering high-end weddings, corporate launches, political events, influencer activations, private socials, balloon artistry, florist work, and furniture hire. Her journey includes working with prominent politicians, major brands, and luxury clients. But her success has come with real struggle — seasons of zero cash flow, overwhelming debt, unpaid staff, burnout, and moments where the business almost collapsed. She also openly shares that she has had three failed businesses before finding her footing. Her biggest win has been the rebuild: rebuilding her systems, confidence, and mindset to create a sustainable brand that continues to attract high-profile clientele. Alongside entrepreneurship, Monicah is a fitness, lifestyle, comedy, and business content creator, known for her honest, unfiltered storytelling about the realities of building a life and a business from scratch. Her work speaks to women who are rising through adversity and fighting for better every day.------------------------------------------------------------------------------------------------------------------------------------------------------------------Apply for Podcast Operations Partner Role: t.co/ykbpjSimInSubscribe to our newsletter: https://shorturl.at/o2jpCHelp Shape the Future of Financially Incorrect – Take Less Than 5 Mins: https://shorturl.at/3iiJZWant to Be Featured on Financially Incorrect? Apply Here: https://forms.gle/5tkdjgx9vHgXyJSC6💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux