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SHOULD I?
This is you: you are young and hungry.
You are in your 20s or 30s. You are working hard, growing a decent career in your job or business. Making your own money. It’s all good.
Thing is, you are expected to already know what to do with this money. Granted you know how to spend it buying things – hell, everybody does – but you don’t know how to budget, save or invest it.
Should I? responds to these lingering questions about your personal finances.
Questions such as, ‘What should I know before joining a Sacco?’ ‘Should a rookie like me put money in shares?’ ‘Why am I so insecure when I don’t have enough money?’ ‘How am I always broke before my next payday?’ ‘Should I borrow money from my woman?’
Bett is a certified accountant, a small business owner and a former financial auditor. She is also a personal finance columnist with Daily Nation newspaper.
Bett has drawn from her personal experiences and from engagements with her readers, to respond to your questions about how to make money and manage it smarter.
You are in your 20s or 30s. You are working hard, growing a decent career in your job or business. Making your own money. It’s all good.
Thing is, you are expected to already know what to do with this money. Granted you know how to spend it buying things – hell, everybody does – but you don’t know how to budget, save or invest it.
Should I? responds to these lingering questions about your personal finances.
Questions such as, ‘What should I know before joining a Sacco?’ ‘Should a rookie like me put money in shares?’ ‘Why am I so insecure when I don’t have enough money?’ ‘How am I always broke before my next payday?’ ‘Should I borrow money from my woman?’
Bett is a certified accountant, a small business owner and a former financial auditor. She is also a personal finance columnist with Daily Nation newspaper.
Bett has drawn from her personal experiences and from engagements with her readers, to respond to your questions about how to make money and manage it smarter.
- GenresMoney
253 pages, Paperback
Published December 1, 2021
12 people are currently reading
67 people want to read
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Displaying 1 - 4 of 4 reviews
June 14, 2024
This is a selection by This Book Club Has No Name.
This book tackles the questions one might have on personal finance in the Kenyan context. It is very insightful and the writing is so good, you feel like it's a conversation between you and the author. I've never heard her voice but in my mind I can hear the sound of her laugh. The format is also very clever...it's question based so you can pick a chapter depending on the question you feel speaks to you in the moment.
I highly recommend the book for a young person looking for insights on personal finance from a Kenyan for Kenyans and in a very relatable way. As the author writes, it is for us 'young & hungry' Kenyans.
I didn't like the author's assertion that "a spouse armed with a marriage certificate is a joint owner of any property their fellow spouse acquires in the course of the marriage". This is inaccurate as far as Kenyan law is concerned and it is a concern that a book written in 2021 espouses this erroneous position. I, however, remind myself and others (especially lawyers) who read this book, that the value of the book is in the insights on personal finance and not the law. We thankfully have lawyers for the latter.
The grammatical and other errors were annoying to be honest. If managed to spot them, I don't see why the editors didn't.
The most confounding error was the reference to the Capital Markets Authority as "Central Markets Authority" yet in other parts of the book, the reference to the Capital Markets Authority was accurate. This could have been avoided.
All in all, it is a useful book.
This book tackles the questions one might have on personal finance in the Kenyan context. It is very insightful and the writing is so good, you feel like it's a conversation between you and the author. I've never heard her voice but in my mind I can hear the sound of her laugh. The format is also very clever...it's question based so you can pick a chapter depending on the question you feel speaks to you in the moment.
I highly recommend the book for a young person looking for insights on personal finance from a Kenyan for Kenyans and in a very relatable way. As the author writes, it is for us 'young & hungry' Kenyans.
I didn't like the author's assertion that "a spouse armed with a marriage certificate is a joint owner of any property their fellow spouse acquires in the course of the marriage". This is inaccurate as far as Kenyan law is concerned and it is a concern that a book written in 2021 espouses this erroneous position. I, however, remind myself and others (especially lawyers) who read this book, that the value of the book is in the insights on personal finance and not the law. We thankfully have lawyers for the latter.
The grammatical and other errors were annoying to be honest. If managed to spot them, I don't see why the editors didn't.
The most confounding error was the reference to the Capital Markets Authority as "Central Markets Authority" yet in other parts of the book, the reference to the Capital Markets Authority was accurate. This could have been avoided.
All in all, it is a useful book.
May 8, 2024
Any young adult in Kenya I meet always talks about finances. Last year, I had heard enough about MMFs, bonds, chamas, investments, side hustles, you name it. Every person I met was trying to do something about their financial situation; I mean, everyone had a problem. Every little coin had some investment to fill, an emergency to sort, and a black tax to pay. Cometh 2024, and I made it my mission to read something that would enlighten me on finance matters.
Reading ‘Should 1?’ felt like therapy, where the counselor diagnoses you with something you had suspected all along but chose to ignore. I enjoyed the book because it was 100% relatable. Being young and Kenyan, Bett captured my struggles, the little and big scenarios that felt too weighty, too much for me to handle, and explained it to me like you would a five-year-old.
Struggling with finances and wondering where to take my money have always been enormous tasks and responsibilities that I think are too unattainable. I enjoyed learning more about Saccos, MMFs, and what Chamas can do. It has shifted my mindset on money and how I will manage my finances in 2024. I am glad because it has also given me the confidence to settle in finance and money conversations without feeling inferior.
I will give this a 5 star because of the impact it had on me. Also, I think every young adult (23 - 29) should read it because you deserve to plan and save up for enjoyment without feeling like you’re committing a crime.
Reading ‘Should 1?’ felt like therapy, where the counselor diagnoses you with something you had suspected all along but chose to ignore. I enjoyed the book because it was 100% relatable. Being young and Kenyan, Bett captured my struggles, the little and big scenarios that felt too weighty, too much for me to handle, and explained it to me like you would a five-year-old.
Struggling with finances and wondering where to take my money have always been enormous tasks and responsibilities that I think are too unattainable. I enjoyed learning more about Saccos, MMFs, and what Chamas can do. It has shifted my mindset on money and how I will manage my finances in 2024. I am glad because it has also given me the confidence to settle in finance and money conversations without feeling inferior.
I will give this a 5 star because of the impact it had on me. Also, I think every young adult (23 - 29) should read it because you deserve to plan and save up for enjoyment without feeling like you’re committing a crime.
April 18, 2022
Nice quick read🙌🏾
Great for redirecting our focus on finances
Great for redirecting our focus on finances
April 2, 2024
The book encompasses practical advise on money and is a good eye opener on especially matters investments.
Displaying 1 - 4 of 4 reviews