Financial education gaps.

The older I get, the more I realise school gave us many answers, but to questions life doesn’t always ask. I mean, one plus one equals two great! But what about, "You earn 100,000, how do you survive, save, tithe, invest, and still enjoy life without running mad?" Now that’s math I could’ve used earlier.

Our school system drilled formulas into us: algebra, trigonometry but skipped how to make money work for us. Budgeting, saving, compounding, investing all things I had to learn through trial, error, and sheer panic. Some of my best financial moves? Pure luck. Someone said “try this,” and I did. Somehow, it worked. No textbook, no syllabus, just vibes and hope.

In The Richest Man in Babylon, George S. Clason says, “A part of all you earn is yours to keep.” That hit hard. Because sometimes, by the time bills, family WhatsApp groups, and surprise boda costs take their share, there’s barely a “part” left to keep!

But truth is, saving 10% is noble. Investing it smartly even better. Yet, nobody warned us about inflation playing hide and seek with our returns. You save for three years, get excited about your interest, only to find chapati prices doubled and fuel mocking your budget.

I started real financial learning in my late 20s. I wish I knew earlier that self-care doesn’t always mean a new wig, and that compound interest is the real soft life. My goal now? Help the next generation start smarter not just with degrees, but with direction.

So here's the lesson: Life’s real syllabus includes earning wisely, spending intentionally, and investing consistently. And while school missed a few classes, it’s never too late to start yours.

Celebrate every coin you save, every budget you stick to, every shilling that earns while you sleep. That’s real graduation!