Meshers, financial literacy is very important. We’ve all seen or heard of young Kenyans being auctioned or drowning in debt because of poor money choices. Don’t wait to learn the hard way—check these points to guide you while still young:

1. Budget smart – Know what comes in and what goes out.

2. Save early – Build an emergency fund; don’t mix it with spending money.

3. Avoid bad debt – Stay off loan apps; borrow only for assets or business.

4. Invest small, grow big – Try SACCOs, MMFs, T-bills, or stocks.

5. Hustle wide – Don’t depend on one source of income.

6. Stay disciplined – Say no to impulse spending; focus on assets.

7. Think long-term – Understand taxes and start planning for retirement early.