Ujana ni moshi, the right time to make money work for you is NOW! These are your most productive years(youth). By the time you are 40-50 years, you should have established yourself financially.

The 4 streams of income you should always be making money from:-

1. Employment: Getting a job-exchanging your time for money.

2. Self-employment:-At first, you would have to work long hours putting in the time, creating systems in place and training workers.

3. Franchise:This is a business that has scaled up; big enough to include different branches that run independently. Here, other ppl work for you.

4. Passive income:-Money that keeps making itself while you sleep- can come from investments, pensions, book sales, online courses that you've created, etc.