 Muna jua hiyo, atu jui Anyway, today I want IV and of course AVOs to just walk us through how I as a content creator is able to secure that bag and maintain that bag because let me tell you kuna wa tu wa nei toa kia reu kumise naata, mini kusho kuna wa doa da jui 30th in your nukte doa niya kufo atu juu na hanzianga wampi ama ba doa na fael nil na sayo kuna doi na ingiya this is where we get to find out more on that karebusana IV karebusana AVOs I hope you guys are good nikiwa kilu misya sana by the way, I have seen AVOs na karela is way nihaza kwa mimi niya entertaina na sayo kuna unjo na niluti ya e na ni pair facts, I am sorry if I take you too fast niya me meri, calm down, calm down this is money talking na sayi nga kia reachana na niya kami niya begin juo, na sayi na toa kumita AVO so anyway, I have very briefly you want to understand how do I balance my money however little because let me tell you money is little so how do I balance that money as a content creator in a way that benefits me for the near future for the other future you and you combine and also just maintains my status and the kind of image I am trying to put out here let's just start from there especially for you be the content creator as well how I balance my money interesting question thanks Mary how much do I understand what you mean by how I do so how do I balance my money okay, how can you tell me to like balance the money that comes in where is it supposed to go because we want to have to enjoy zinafako in our priorities and not okay fine so before I answer that question I need to tell people who may not know I am a financial literacy enthusiast I am not a finance expert which is why I was so happy when Azit said I'm going to panel with my very good friend Amosu is a financial coach okay so what I'm going to share today is going to be on my journey even if you've followed my content you see that I say I am learning and taking with me I like to stay authentic and I always thought people do your due diligence so I don't want to say something here and people say I reset I reset yeah so I'm going to start with that first so how I balance to my money the first thing was to actually make it if you don't have the money you can't rebalance it so I'm going to start off by saying how I started off by making my money content creators the one thing I want you guys to understand we have a different type of currency that currency is called trust people who come to your platform do not trust what you're saying if you feel whatever you're selling is contrite you're trying too hard this is unbelievable you're not authentic they will not buy what it is that you're selling neither will your clients so I started I had a three year strategy plan after I quit my job and the first year was to build trust and build a brand so I would encourage everybody figure out who you are authentically do not copy any other people as I said your own essence and build that trust first once I built that trust and brands would come to me and that type of thing the first thing I would do is make sure I do such a solid job at the job at the work I've been given that they keep coming back we are in what you call the passion economy they give economy we are passionate about what we do you only get one chance to make that first impression so the first time someone offers you even if it's 10,000 oh man delight that customer do such a good job that they not only come back but they endorse your brand to the next person and the next person because every time you post something on that platform that serves that serves as your own personal advert to the next customer so build trust make money by being very very good at your job then I moved to negotiations for long term partnerships again when I give economy to balance your money you can't constantly accept give me one picture today and then you get your money then you go away what that happened what that does is it cuts your opportunity for the next job so for example I am in finance if today I took one picture with Absa I and them would see it and CBA would see it UBA would see it and not no end they would assume I'm continuously stuck with Absa what would happen that would not give me more work and what I've done is I've taken money for one picture so it limits my chances of getting money later to balance so I started moving to negotiating for long term partnerships I do not work for less than three months I can't because I won't have money to balance so you come and ask me for one picture I tell you no as I had said learn to say no I say no to a lot of clients and it's painful but at the end of the day I know I need to balance my money so once I get my long term partnerships this is something I learn from my friend Imos I have fixed costs every month I have my event I have my kids guys kids are so expensive I have my kids and I have this lifestyle that I like I like to look good I like to travel nice so I have my I don't have one budget I don't want to cover that later but I have this I have my expenses that I know that I have to cover every month the ones that are fixed as soon as I get money oh and I have my investments oh I always pay myself first as soon as I get money I do what you call prepayment Imos taught me this on a live a year ago 3 years ago I prepay everything my rent is paid months in advance if I can afford to pay fees months in advance I pay if I can afford to pay for travel early so I know to be where I'm travelling next year whether I do I do know where I'm travelling next year and I book in advance so that way when I have a fight month and that's another thing I always know that the brands I work with I know their fiscal years I know when they start I know kota wa I will get zero work but that means between September and December I've worked my butt off and paid my expenses so I'm not crying in January okay so I do that then of course I said paying yourself first I have goals I know where I want to be by 45 retired if I'm still creating content by 45 it will be out of passion but it may not be because I need the job so I have my goals so I invest towards those goals and they're very clear I say I don't say I think maybe I want to be living no I know where I want to live I know the homes I want to own I know the car I want to drive and I know how much they cost and I really doubt and I know every investment I make moves towards that and I know the amount of money my investments make me at the end of the year another lesson I got from Amos we always forget that our investments that interest is a form of income so I know how much I care from each and every one of my investments the ones that are active at the end of the year that is the short story I will give you I will not save your money until now maybe yeah that's what makes sense to me have I made sense yeah well you definitely put things in perspective quick question is the favorite car on the status balance? 100% you look like it I just had to ask anyway it was a really very quickly I'd like you to just delve into what exactly you do because she keeps mentioning you she keeps quoting you you guys had an entire life and I just want to get the full scope of who are you that you do and how you benefited her yeah well good afternoon everybody you guys look upset are you okay? you know the issue of money is very sensitive and I think I have preempted everything I wanted to say my name is Amos Gahu I am a financial coach and looking at all of you I feel like I was born in the wrong time I was talking to a man here who's dressed in colorful shorts and I'm like I wish I could get away with that and for the last 17 years I've been talking to people about money so I'm not young and one of the things that I love about money is that every day you get to spend money every day you get to make a money decision right you come in here you decide that I'm going to pay 3000 to come for this event or we're going to come up and take people sorry take the offer so I like having continuous money conversations so that every day you're making an informed decision so that's how I operate as a coach in my other life is that I coach and play basketball and I'm very good by the way locally they call me Steph Kea very few we get that but however I'm an author as well I've done a book called and around solutions and when we offer financial literacy it can be offered in so many ways you could be a group of people group of chama groups of employees your organization wants someone to talk to you about money then that's what I do for a living and most importantly we want like I say we want to have that continuous money conversation that is why I try to make it as simple living in my story and yeah that's what I do nice to know that very quickly could you tell me for example I am well I am I have a content creator okay I happen to depend on myself I happen to you know have a tiny house somewhere I have a passion for content creation and I want to monetize my content what are some of the things you would advise someone like that who is green in this industry has no idea what to look out for what to consider what any skans go any kind of clue at all but they'd like to have some sort of you know financial literacy to just help drive them towards their goal well at least the narrative of when you go to a hospital before anything is done they take your temperature they take your weight basically they want to know your body normal your body essential that and one of the things that I tell people before you have money conversation can you first of all do an evaluation of where you are now looking at you you guys look lovely the beginning of my coffee but as much as you might match your neighbor's outfit all of us are in different seasons never never please that you are in different seasons some of us here probably we didn't even have past fear to come here I've been there some of us have really worked hard to get that money to get us here isn't it some of us have just landed a very good deal and you're in that a season where by Sibna don't you wanna press her look at your neighbors the myth they are walking habit is different when they have money you have a different habit a few of us are you understand so you have to know that most of us are in different seasons and the moment you are aware that listen I don't have another kid coming in there or probably is my first one I'm so glad because an IV will talk to you but is the first one I started I started looking up to I didn't know who she was until I was told someone shared your continent like who is IV because I was not so keen in social media and the moment I met IV she's very selfless and she's able to teach you some of these things I didn't know that doing a campaign with one bank short term works as an advantage to you so I had to learn so my point is first of all understand the season you are in I in the season of plenty I in the season of luck I in the season of just balancing or in the season of recovery I went together once you understand that now you'll be able to know is it time now to buy that big iPhone or first of all I can survive with this one so that I meet my bills for the next three months are we together understanding that is very very important regardless of your income okay well thank you could I just add on to what Emosa said because you asked for someone who's just starting out how do they begin to monetize their content it's not immediate how I started was I did a lot of free work a lot of free work remember we said you're building your brand fast what you're doing is establishing trust trust with your audience and the brand so don't feel with my 5000 followers someone coming to say can I give you a parent package no don't say no say yes do a good job and also a blind tag other companies that will be interested in that same content because your customer does not know you exist don't be there thinking oh my lifestyle content creator so people know who I am people has no idea who you are tag them don't be mean with your tags that's the first way to start monetizing your content how many of us here have a read card we want to talk about monetizing content but only none of us have read cards why put yourself in the mindset of someone who's ready to make money so that when someone comes in and asks how can I partner with you you'll say I have a read card it can take a week to get a read card we are so many content creators guys by the time someone is asking for a read card it takes a week they'll have found someone else 10 other people so put yourself in that mindset get a read card in order I can talk about how to kill a read card for 10 hours but that will be a separate conversation do not only think of brand opportunities every time you see me posting a link especially when it comes to investment opportunities when you click on that link I make money that's called affiliate marketing but by too mean oh I'm not gonna post a read you'll make maybe 2,000 shillings like that when you get those peer packages tell that person if someone buys your dress because I posted it pay me 20% so don't only think of brands that's another way to monetize your content he said he's an author Kenna said he's an author get other products that you can sell outside of your content your shelf life guys I hate to say it but the shelf life for content creators not really one we only have a short window we bust into flames and then we wither so what's going to keep you buying other merchandise even we know musicians themselves what do they make money from concerts and streaming not selling albums that's dead no the other thing is who here talks has put in their profile in a marketing agency in an influencer marketing agency who's heard of WALC who's heard of AI influence if you want to make money find out who's giving out the jobs fill in the profile just have them in there and they'll send you an email you never know I can talk about this forever monetize the content it's actually a lot of things to do it's actually very inspirational that we every other day I keep learning something new about guys who've been doing content creation for the longest time last time we had Joy Kendi and she had vast knowledge I was just taking in and taking in but I think what most of us here would like to just know especially from you is that journey did you immediately know that I'm going to be a content creator and I'm going to be money wise I'm going to call it that I'm going to be very wise about my money I'm going to be did you have all these ideas with you from the get go or did you pick them up on your way basically what I'm asking is what was your journey to transition into this woman who is very aware very organized plans two years ahead just give us that no I did not know that I'd be here if at some time they still laugh I mean would you come to for more money I laugh doesn't it I can't believe this is why I'm very on that but I'm just like wow because on what 25 which was the block of my step