Nobody wants to retire broke. There is a time you will no longer be in the position to work, you will have tired bones that won't allow you to work. How well are you prepared?

Savings. I am fully committed to savings in chamas. I have 4 chamas where I save my money

1. Merry go round where we pass around 300/- per week each. We are 50 individuals. Ever individual gets Kshs. 14,700/- minimum.
2. Welfare In this chama we contribute Kshs. 200/- per month towards funeral, sickness and emergencies
3. Tuko na chama ya ku exchange foodstuff. Every week we donate food ( sugar kilo moja, mafuta ya kupika kilo moja, unga ya chapo mfuko moja kila member). We are 15 community members with the numbers growing each week. This week the receiver will get 14kg of each category of foodstuff mentioned.
4. Family chama This is for my family members the side where I am married. We contribute a total sum of 230/- per week. The money is shared equally at the end of the year.

Note:

1. You have to balance
2. Committed
3. Disciplined
4. Know what you want