 Nikiwa na tao, na mende penda foodia miyanane Nara ruwa, supu ku ra ruwa Kesho? Kesho? Aa Kesho hii jipang ewe Miu jamia kama iu pesa ni konayo sa imi na skianjana nona ni kama binyume sema tao Ayu zima liza shideza angu Iu kuli? Nikiwa na ii kula Tiana? Nikiwa na ii kula Uspokula pesa ko sa ii Pese ya uza utakula na nani You are watching Friends Vibes All feelings are represented What's up guys Welcome to SPM Vibes This is another episode of Friends Vibes My name is Miss Kithinji And I am joined by Nisa Amti The great Eddie Gutita Ian official The great Ia na ziziwa kuna jigo Nga Gutita official Mami iu siku jipaya Iu kwa mituwa CU Ia na nani Ami nuna kuna fanya trading between Enter and speaker CU Iu kwa nga intermediari Kuma kwa kwa kwa kwa kwa kashkati kwa kota melon Mini doa kuhongelia watu apua speaker sato Hami badundu wa kwa begma, jemma zimi ni rege toansi surface. Rol kwa misawasi yu? Hei. Tei, masi ni yafik din ni liya debi ga kitabu. Hei, demi jemza sa heizi. Anyway, guys, our topic of discussion today is... Nma mokutwe kwa na umes edu modja. Pa, izewe, ni kama iwondo tumeketi wa chakilam tuwa. Tei, tumegi ala ini. Hei, light skin wa kwa esedu modja. Yaa. Representi ini. Una, wanasadani misi light skin, but kuna effect. Ini kwa gonga. Ini pig effect. From your rights. Mada imo light skin nuku atiyaji. Atiyaji. Ateye sewa ona buzu. You subjected us to... Imagine you do a collection ina kwa anga. Uki ungei wanda. What objects nima? Product nitu atiyaji ni recizi. Light. Exactly. Why is it... That's colorism. It's colorism, by the way. Mati skia, ma'r izimi. Ate, jiski angi rojo, you guys put us in a box that... It's okay. It's a society that has set these rules. So today what we are talking about is, what's your rule of life when it comes to finances? Is it yolo you only live once or save up for tomorrow? So today what we are talking about is, what's your rule of life when it comes to finances? I will tell you, I come first. So what's your rule of life when it comes to finances? Yes, but that's what I'm talking about. What's your rule of life when it comes to finances? Keshaw. Keshaw? Ah, Keshaw is in Japan. Mio ujya mela kama illo pesa niko nayo sa emi na ske nja nanonana kama binyw mese mataw. Ay jatim na liza shidasu angun? Nyukuli? Nake kula, haeni kula? Tenna, nake kula. Uspukula pesa wako sa ee, pesa waza utak ulananani. Mela za pesa wako iyo te sa ee. Ukiwa mze, tapuwa pesa waza wze. Ukiwa zewa tatoa kua kua kunisha. Tatoa kua da kunisha? Ukiwa mze wna buwa pesa waza waza. But I feel like 20. Nyukuli. Foka ipa man. Bura 260 years. Iki ya. Ati kwa nataotana mbene yuma, ondaku ikula fwo 2 months. Ii, ii, ii, ii. Sopa de, sopa de. Unashinu mekula mituflani, umesinju mekula maragwena kwa. Baba umesinu mekula, umenani kwa ondaku e reya. Eo, mena de, imesinu mekula na maine. Ii, ii, ii. Ii mekudungu mekufa. Aa ta ni ti na kwa u mefa nya ra metinu me tumi ando mua bone. No kwelit. Nu na. Nei, nei, ni, ni restart, spoil ya life, na tiki. Ji spoil. Dufo hindi seko. Ukiwa na kwa na, kama na fiil ii lifestyle yangu, ten thousand hai tu shiyi. Make more money. Look at how, you can diversify. Kuna sku moja mukurgezi ebel mutua liyse makirti na maana sana. Kuna jamaa, animi kwa maa liya na isi, Maliunaishi kumbe wa 7, onani disa mosa. Niki ni jwewe ni Mr. na kukona klas, na kukaragasa mosa kwa piloti ni aibu. Na kumbe ineza kupati ya extra coins, ukafasilitet diya ni. Onana. So wa say, tunastra go kufi niya ileki dogo iko. Ni ni sasa mimi ni mi amo, mimi si takula kwa kibanda, skasiti mentality ni takula kwa kibanda, mimi mi mi na save yo. On top of that, baba umesota diyo na nza kuchukiya servitu fancy, binda kula kwa kibanda KFC. Redmit. No, but also there is that point of scaling up for sure, 100% na piya kuna ile, pointi ya kwa welcome more money when you use money. Yo, so niya tumia pese iku zoe ni, yu pueli. Yuna, ila kwa pueli. Yu pueli kawi sa. But also, kuna kutumi ya ii pesa, illogikali, bila kufiki ria. Atinao because you've gotten like 500 Gs and you know next month uta pata another 500 Gs. Where were you made to me? I thought you were useless things. How are you made to me? No, useless things, they teach us in this life. U keep at a million in moja, one million, kuna one million, ana kwa miya wu save. Save. What percentage? Wana say bwanda say, wana say wana say 30% or 10%. Tiji ni 10? 30. 30 in your church. So in 100, in one million, wuma save so 30. Yeah. Then, kwa sa uto e tais? Kwa sa uto e tais? Wana say bwanda, rent, nini rent recepite, etan. Yeah, of your income. In a million, let's say 300,000 will go to rent. Marasi once, ataka mani baraka. So in that a million, pa si piya palemi kungoja na miya kenjema. Itena mkuzi, wana say bwanda. Lazi matena ubarikiwe wana wana. Tuna so, lazi motu e hungo, di ubarikiwe wana tiki. Nani washa iweka iwo. Nani ni e, ok, bwanda people believe, ni siya tisi, believe in 10%. Bwanda believe, mani wana ito ina matasa ana. Yeah, for sure. Nani ni na believe ni say diya watu pa say dikena yodo. Wana? Ni na believe ni maitoa iwo. I've given. And received. Then, But when they said, they don't know what and why somehow I set this topic. We were 80% sure that we would never give theApplause. So Mwenai went and continuously watched we hadn't even gotten people a good $5,000. She said to her team, there's just some cheap money here. So I did 10% for her, locks掰掰. Kwa ina ina so, sasa na save tena tena gine, na save miya Ile ten miya? Nihangu ya kwa ribu Ya mimi niji shukuru Na save tena? Ten Ya pasta tu one kama ni tampatia tena ten? Ten So nimi 1, 2, 3 na spend 3? 300 Mimi kitu na fanya na iyo 7 Ukiyamu urushe landlord, ufanya nimi Batu liji lipa for looking for that money I feel like that's important Hachanu kwa miye Venyutu li soma, piya mi li soma Right? Kwa lot wana big companies Wato ni na soma soma siku soma? Ume soma soma Haji wa sili kwa na soma Sidi yaf kwa evo ina liga na modza mca Kwa utengia, fomfa mo tengia Anyway, yunis begin I was reading somewhere All successful CEOs bako kwa payroll Ya camponi Okay? Ati kama manager na kula 50,000 Ya na koto pa miye kiasu Piya ya Kutuka kule kwa mtuwa finance anawayam shara yaki So samze No manakuni aspekt ya kujili pa kwanza Before anything else Piya Are we talking of a CEO Who is a director? Nu kwa an employed CEO? No, a director No, then legally in business it's wrong No, it's not Ya, do not pay yourself to be a director It's called There's something called director's brain As a director Unanguadia bieshara ifa yuwe Profit it okay Ule And then of the day As a director I suppose to facilitate your errands Faciliter na director taku kibiya Dubaia na li piwa fair Taku li piwa nyuumba Laki ni mshara So I think you look itu ya no na same Wanaji li pa Wanaji li pa Si Nisa ano amo na li po Ya me jikiya aspekt ya cheki Mi ni SPM Tu na meku 500,000 Beti na ampatia 20 Nisa na ampatia 20 Mi mi na kwa na pewa 40 Kwanza Ifa ta profit zangu ziruti Tempita balance from there That at the end of the day Tu mi ya rilfa Si ni SPM tu na meku 5 million Nya okay Skutaka wo dis close Du ya auditing SPM on a bad man SPM on a bad man tu na meku 5 to 6 million Sao sao On a bad man So giliya good man On a bad man On a bad man During covid times Eksapo tu na kwa na ya po Eksapo Okay Ya na jili pa Ya na jili pa Alright This simply shows that Kitu ya kwanza wewa kama mone kampuni You really value your company To a point uta kwanza kuskuanda do Ya kampuni hako Ati Mi mone Beti ta mi na tegniza 5 million Naki ni ta kwa nyumbaya 100,000 Kwa na principles of life Okay Pi ya kuna hi patingine Ni kona thawa Sao saawa Kunola tu na nga jengu kawme Toka kwa mekula Instanti Arodi siya muli shukrani Wom tu na diyambia mi labda God Ame pangakesho ni skwe na do Wona ni aribu plani ya ke Ni plani ya God Wono na tu kwa kwingili ya Kwa evo venietu ni lisema bifu Kula pesa maliza heu teka pisa Ukiwamze Uta saidi wana sere kali Jitazata Jitazata Of your aspect here, you only live once We cannot ignore that aspect Because it comes into your mind Una juli za e So sai pesa na save na labda Tata 5 years from now Ata hita kwa But Ima rangapi Ima rangapi me pata Billionia flania na shati me parara Na lungi flania sijime Chapa na tri sinipa spikona wombi Atine billionia Sa saa mi ari Why billionia You're not enjoying Kwa wana na kwa ude diwata wana nga niye bilio Like Makzuka bag Ya yu se maa Ako na yu panga outfits Za mande to friday, same kala So ati vene wo Uhang shats, trousers Yana zifunga ni siya pamaoja Kona shatia muna trousers Ni black ke shona vayo Yana yo time Una shangai pesa ono nga ni But also they are Most wealthy people are very stingy Even for themselves They are very stingy on themselves That's very true That is the way to get to become successful wealth He may be Actually we are not advocating for wastage I'm against kujifina atina save Bitu mi embele If we are saving to invest And get more money That makes sense Onani me kia says Una patam se Kama kumakitu moja sija wa yengiri na Ni poa mati miwa nga Ni kwa geni sija maiote niye Doa and evolve Ati tunatua, tao tunapati ya yano Tunatua Tao moja moja moja na pati ya yano Sa saka na 4 4k Anafi ya na nangoja Anada 4 weeks Tunapati ya 4k Sa saka 4 weeks Yaw ikingine anatua tao Ya ako Yungina na tao ya ako Ya asu Si ma siyeji wekietu ya tao ine Yaw kechu inasegi anga discipline butita Yaw kechu inasegi anga discipline Suwe newa punama fixed account No, it's Mi, mi, mi, this is my principle when you're saving Kama ni chama Tukola chama 10k isisi ya pa Siliyo 10, 10, 10, 10, 40 Yoni mozi ya kwanza 10, 10, 10, 10, 10, 40 Mozi ya pili 10, 10, 10, 10, 40 mozi ya tatu Tukola 120 Sasa yaw an 20 Kama kunakitutu nazafanya Yutuongizegi sa E, diyo, diyo, diyo Diyo, weo siji patia tata 3 months You only get 30,000 that you put in You get more Kuna, kuna Kuna some kitu kitu mefanya nye You're making more money So if you're putting money If you're saving money To grow another money I'm for it But now when you grow that O sii chitana, sii shidi apo Kwa diw na growth anye Sii ato Sii ato maindi umen na vunu Atiwa hei Atiwa It's a savings plan It's a savings plan Nene kuskuma You remember when in the morning we mentioned Sometimes Ukis kumua When you feel some sort of pressure That's when you get that money Because you see You get You know you owe 2 people You get 100 jeez On Sunday Some 4 jeez You will get that money Let me tell you You get 100,000 Rent in a kupigi anduru Ligia Mathematica Nashali yon na seima 30% So 30k goes to Around 35, 33 Goes to Rent Then the other one is Tima Sii ji maji Sii ji transport Nini Kidogo kuna mese Ui cha ukua myesha sota Ami kupigi asimu Omembuti Omemutumi anga pix Tawmili Tawmili Tawmili Tawmili Tawmili Tawmili Tawmili Tawmili Kuna sii nani kakuna mbori unafa wa Rata kapia 2k jez Meste akwa kuna miata Kuna kamiata ano Di uno kuna mtu na tumiya panche Anengia na kula jama kifrainairekut Ya mupeli, it's true E miya na meni, numa mzeba tumiya panche Tata di kune na yo Tawmili nima Nuna ji subjept kama teso It's true For the sake of wasi wegi Kuna jama ni upigia Anapili na imainda piya Tena una seimu Dios kumuwa jez Usa idea wich umuwekini Apahihwa ikab Anapili ni upigia simuwa lu Ibo li na boku Wana kwa nyomba Buu ni ekia mehine Nende apa koka loko Ikamon miya Beze time Saturday na Fika Rukomili ni upigia simungapi Na bbile ushoa na tatakwa street Mtu wana kwa omba Pesa E unangaliya mepiga yoga Tia kepale Ame piga fruits pale Unajemeni umuwekula Balanced diet kuni liko Nani umi unani omba 20 bucks aiziki So ni talk about yolo Nani prinspewa umuwe Nime patatao Lazi maniji furahisha Irgatles Si gari nesyagama futa Sweziya kagari so Tia tia tia tia umili Sweziya tia tia tia umili Danu after ipaande Sasa dinga Nikiwa na dinge mewakana irumiya Nime kia kongata Nime kia kongata Nime kia patao Nime kia pata umili Sengine full tank Lagi nimi kiskenja Kibanda express Cepati moja namaraguhe 30 30 kidogo Ukukeni yata Gari nimi gini yata Gezani nini naifuze too ziko Nini una patamsie Gari, nani pati endomob Keji jake Nidomob Nini zigi na Endomob ayastina Damob Maji Adi na byyfusa Domaob Nini Akuiriam, cakuli asan Tama, hata jawa ikula lampchops. Yaw jio na kwa ni paale radi sonu mlu. Aka se ma ni haji radi sonu mlu kura lampchops. Zhenu zinaweza hanga. Nini zio na maze. Nini nipi 3, 5 ama nili nipi da pi. Nini nipi nipi nipa ni. Niki ya pesa yam ni na niki ya. Duki okri na kwa ni na utamu saang. Iko na uta mu. Iko na uta mu. Iko na na fanya watu jamu. Yu kwa na utamu saang. Hati wakun na nandodame lalaga tu keja ni nga nga nga nyata reka na kutigi. Aka mounce ni na nika muna krufi. Yaw ni na nkwa musika finsa yo egia kushu. Yaw nieneripuls i 축iva yalakisha kwa nivii qanda hii. Shieran kw degree o Karatak ya. Andya baku ni se ma性a. Tama kuhمia k presa maze niwegi preiq cactus GoogleSFhhhlerde yu na na ni muna naji kapa naitai. Yaw ni esama kuburtku siya wire gl이고 nani. R Percy nizimoncha na na ni w save haalleo. Yini katеспpert patil su strategia. Iori na baaro finesna waka ductana hafiasn ya. Iwi, afaringa hikanduni wa mga hikanduni kumikata isu. Wakili, bari yauna yaw nau kutaseka. Bari yauna. Koui mga hikanduni yaw na luku na kuntika. Bari yauna. Bari yauna. Kutaseka, k울ain na ni kutaseka. Bari yauna. Kutaseka, kungutii isu. Bari yauna. Kutaseka, kungutii isu. Kutasezaka, kuteseka? Wajie zaEL. Kutaseka, kungutii isu. Tia ni kuna hikanda nistigha hikanda na huke, shubani, hikanda na hikanda nuke, But you know, nowadays, I feel like there are those small, small things, you don't have to like waka pesayako when you go to kuna save kwa bank pesayako. Kuna asa rapi kwa bende kwa asa na save at 50 or 60. Eh no, waka kwa you kwa kula, you kwa kula. Small money just to buy small, small shares here and there. Kuna jyama? To go get to those small, small shares here and there. Ako na ploti kubu asana li kufa. Ni nili muo anja. Ay. Postmuntam ni anja na mainizi li fungana karebu kwa shinku. Nani jwa na takaku hold on takilanda. Kuna tu ona takaku kwa na pesayako ni. Oneni pesa mi. Ala fortulie. Oneni pesa mi ki. Ala fortulie. That's the mentality. Ni tiawa na imtaita skasiti. Mi, ok, misia, obu na iawe na iawe na iawe. Ni otu. Misia na save. Aki fika kukumbele. Ako na salari mantili. Infact, pension plan. Andredu na li party. Ni nili. Ie nafa kuku kwa badu. Na wiji spoil badu. Na ona. So, when you took a balance? Onaji nima. Nani sa ona takaku kifika 60 yas na duende shere. Uta kuna twa kuna 60 yas. Onaji nina wuku inafa kuna fanya witu zigi ina. Sa satina wuku ona kunda misaimu. Una tika medali selo meboeka. Me misaimu kuna enaji ya kufanya kitu. Kama wasew semanga at if you travel, you learn. So, you're learning at 70 to do what? Io negeta umpani na mani. Nika evi na naparis. Nika evi na nina master class. Uko padebro. Uko padebro. Mendewe, for sure. I don't know, but you know there are people who are going to have different opinions when you're like, kwa sako kwa 6 yas. Kama onega kwa sako. Kama enega kwa sako. Na ona takaku witu miya yodo. Kuku create another source of income. Well, I'm good. Nega kwa geze weze kwa balance witu zako. But you know there are people who are going to have different opinions when you're like, witu miya yodo. Witu miya yodo. Witu miya yodo. Honestly, witu miya yodo. Bida imati kuna uto meka doi ni gisana na waneshi kwa very, very bad living conditions. Kwa nga kuna wala tu weka doi kandwati ya usikumbayati. Una jom tu gonjeka, ebunie keita onne. Una plan ku gonjeka. Una jom tu genda nga na gongabtu unagari. Ebunie keita utana. Ya ni doi kutuni yangori. Yangori tu. So you're going to attract those things that you're saving for? Ya ni wali. You will? Apana watu piyata after insurance ya help? Yandi na attractu goja. But waz kongek yukwe ni maze, healthy nexpe kwa ii kandwi na. Weze aniozi kusalimia tu daktari, 3k. Ya. Kwa wali zwa kama unaskia joto. Wacha kumasalimia mze, ukia na kwingi usi squeeze unaputana wala utwa packing caps. Yoni so bili kwanza? So bili. So bila doa packing wuko usi? Bila doa packing kwanza wuko usi. Kitabu wili ya dispenser squeeze nusu wa 450. Ya 500. 500? Ya. Ta bukuni kwa nabai 10. Ya. Nusu. So ina kuklabda jutu nafunga. Ya. Kumbeku na mani fukfanyaizu witu zote. Yata yuki dogo neza balance fanyaizu witu zote. Miste Kenyesi tu na dwingi, ni kuna watu na sherekei pesa na sisi. Ya. So mi na jini mani waparasalo, watu wengi na na sherekei ya? Naku bwana munya na sherekei nmunya daifanyaizu. Shikuli love to. Mi eke. Mwala mi eke. Kata pia kitu na tumizdanga afrikansis the black tax that you pay for home. Ya. Nasi nukitu mi ya watu pesa. Ya. You can't avoid it. Niai say, if it's your direct family, your dad, your mum, you can't. They brought it to this world. Lazi ma. Sao, wali spendi piya kubringapu. Yes. They would take care of them. But it's kwe tena nile. Lazi ma. Ila iti kuna watu tena round familiar. Unato wa nisha wa nisha. Because at the end of the day, watu wana naga tu kudisi? Food, clothing, shelter. Nalabda health kwa teken kia. So anything apart from that, nega exfoliation. Juhu matu na kwa mbe mi ni kuna do mze ya kou. Ikitu na fahu kwa 50-50. Ati kuna kazi ni ya mwa tika kwe tia watu ta umbe li, usun tumani e maindi na Nairobi. Ya. Ya. Kuna tumani e maindi. Kuna do. Kuna do. Kuna tumani e maindi. Tumani e ma lenge. Tumani e ma lenge. Ike na toi yo 2k. Ya. Hisha isun muwa. Kuna tumani e ma lenge. Kwe wiki tu nandi yong hadwa nuna tu kune itaimitu, na unna jwezo stories na nanasya. Ewi wle na brazilil yo cha wa atu. Ati shore usunno ii life kuna watu familiar ziti ya ceza kamao. Nukunia wa nisha kineには na kuna watu ready. Lazi ma watu ceza familiar. Nia. Bua balance familiar seke mahali. Dya wa sumin. Ok, we are not the same for sure. But anyway, let us know on the comment section what are your thoughts Where I went to Iolo Ama you're saving up for tomorrow Thank you so much guys for watching friends vibe What we're to wakataar Saudi Arabia? Hey! Shadow to you guys We see you on the comment section Asante ni sana Tulisema tunakuja kufanya hi podcast Namakataar Kuhuza wala asa lini asana Hei asa wabasi asa Kuku piki shya salamu Ondo wei a lu ganatu pigi Yemetro Hehehe, metru guy. Ah, ya.