Just Money Podcast

What's Sabotaging Your Wealth in Kenya - And It's Not What You Think.

Mon, 20 Jul 2026 11:00:00 GMT

This episode is brought to you in partnership with I&M Capital.

Portfolio building is one of the most talked about, least understood topics in personal finance. Everyone tells you to diversify, but nobody tells you where to actually start, or what to do when life, land, love, and inflation get in the way.

In this Season 2 closer of the Just Money Podcast, host Just Ivy Africa sits down with Roselyn Manjiru, Economist, Blockchain Strategy Consultant, and former Forbes contributor, to pull apart Ivy's real personal portfolio and rebuild the blueprint for what a portfolio should look like heading into 2026 and 2027.

Roselyn and Ivy break down exactly how everyday Kenyans, not just finance professionals, can start building a portfolio that reflects their real life, income, and goals.

In this conversation we explore:

Why "the individual" is the true starting point of any portfolio, before income or investments

The difference between anxiety and a gut feeling when making financial decisions

Why some people can't tell you where their money went, even after 40 years of working

Real estate vs REITs vs rentals, and why rates in Kenya often sit below inflation

The Principle of One: why chasing too many investments at once keeps you stuck

Alternative assets like whiskey and gold, and when "unconventional" still makes sense

Real world asset tokenization and why land, IP, and credit are about to change

125 Kenyans holding more wealth than 43 million others, and what that means for you

The hidden things that sabotage wealth building: toxic relationships, wasted time, and self doubt

Why every investment needs to sit above inflation, or it isn't really working for you

Roselyn also walks through her own portfolio breakdown, real estate, offshore stocks and ETFs, business equity, money market funds, and alternative assets, explaining how each piece serves a real, long term goal rather than just sitting on a spreadsheet.

One lesson stands out: your portfolio isn't just numbers. It's your health, your peace, your income, your information, and the people you allow into your life while you build.

Whether you're starting from zero, sitting on land you haven't touched in years, or figuring out what to do with your first extra shilling, this conversation offers an honest, human roadmap into building wealth without losing yourself in the process.

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Set Provider: Thank you to Cofisi for our beautiful, world class set.

Disclaimer: This content is for educational purposes only and does not constitute financial advice. Please consult a licensed financial or tax advisor before making investment decisions.

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#JustMoneyPodcast #PortfolioBuilding #IMCapital #PersonalFinanceKenya #WealthBuilding

Your Money Shouldn't Live In One Country

Tue, 14 Jul 2026 14:53:00 GMT

This episode is brought to you in partnership with I&M Capital.

Offshore banking is one of the most misunderstood topics in Kenya.

Some people think it's only for the ultra-wealthy, others assume it's about hiding money.

So what's the truth?

In this episode of the Just Money Podcast, Ivy sits down with Fredrick Oruka, Investment Advisor at I&M Capital, and Robert Ochieng, CEO & Co-Founder of Abojani Investment, to demystify offshore banking and offshore investing once and for all.

Fred and Robert break down exactly how everyday Kenyans, not just the wealthy, can start building wealth beyond their borders, while walking through the real products, platforms, and processes involved.

In this conversation we explore:

- Why offshore banking has a perception problem in Kenya

- The K-shaped economy and what it means for your money

- The difference between offshore banking and offshore investing

- How to open an offshore account, even with as little as $1,000

- ETFs vs individual stocks — what's actually low risk

- Anchors, satellites, and wild cards — how to structure a portfolio

- Money market funds, dollar funds, bond plus funds, and GBP special funds

- Eurobonds and how governments raise money offshore

- How taxes work locally versus offshore, and why you need a tax advisor

- Why the investment advisor matters more than the platform you choose

Fred and Robert also share real rates across local and offshore products, from money market funds to government securities, and explain how to think about risk appetite versus

⭐ If you're listening on Apple Podcasts or Spotify, please rate us 5 stars and leave a comment . it genuinely helps the show grow.

#JustMoneyPodcast #OffshoreInvesting #IMCapital #PersonalFinanceKenya #WealthBuilding

You're Not Broke Because of Money... It's Your Mindset

Thu, 02 Jul 2026 15:00:00 GMT

This episode is brought to you in partnership with HISA: https://shorturl.at/nIZTt

Money isn't just about what you earn.

It's about what you believe.

Some people see opportunities everywhere, while others constantly fear there's never enough. So where does that mindset come from and can it be changed?

In this episode of the Just Money Podcast, Ivy sits down with Murugi Munyi, entrepreneur, influencer, and podcaster, alongside Dr. Mary Waceke, a life coach who specializes in women and wealth, to explore the powerful connection between mindset, money, and success.

Murugi opens up about how her upbringing shaped her abundant mindset, the beliefs that have influenced the way she approaches money, and how she intentionally built the Murugi Munyi brand. She also shares why she's become comfortable saying "no" to opportunities that don't align with her values even when they come with a paycheck.

Dr. Waceke unpacks the psychology behind abundance, explaining where our money beliefs are formed, how limiting beliefs hold people back, and the practical steps anyone can take to develop a healthier relationship with wealth.

In this conversation we explore:

What an abundant mindset really means

How childhood shapes our relationship with money

How Murugi Munyi intentionally built her personal brand

Why saying "no" can be one of the best financial decisions you'll make

The role of confidence in creating opportunities

How women can redefine their relationship with wealth

The psychology behind scarcity thinking

One lesson stands out:

Abundance isn't about having more.

It's about believing there is enough and making decisions from that place instead of fear.

Whether you're building a business, growing your career, or simply trying to develop a healthier relationship with money, this conversation offers practical insights into creating a mindset that supports lasting success.

Get in touch with our Guests:

Murugi Munyi

Instagram: [Murugi Munyi (@murugi.munyi) • Instagram photos and videos](https://www.instagram.com/murugi.munyi/)

Dr. Mary Waceke

Website:[Dr. Mary Waceke Thongoh-Muia | LinkedIn](https://www.linkedin.com/in/dr-mary-waceke-thongoh-muia-60b6ba2b/)

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Money and Forex: The Scams, The Lies, The Truth

Mon, 22 Jun 2026 08:00:00 GMT

Forex trading is one of the most misunderstood industries in Kenya.

Some people call it a scam, others have built careers and fortunes from it.

So what's the truth?

In this episode of the Just Money Podcast, Ivy sits down with Alex Muoki, an Exness Pro Trader, to separate fact from fiction and expose how financial scams actually work.

Alex shares his six-year journey from curiosity-driven beginner to professional trader, while revealing the tricks, traps, and psychological tactics scammers use to exploit desperate investors.

Money and Trusts: Building Wealth Is Only Half The Job

Mon, 01 Jun 2026 10:11:00 GMT

Most people think trusts are only for the ultra-wealthy.

They hear the words trust fund and imagine billionaires, inherited fortunes, and family dynasties.

But what if a trust isn't really about wealth?

What if it's about protecting the people you leave behind?

In this episode, Just Ivy sits down with Advocate Eliot Ngugi and Entrepreneur Matu Kihato to unpack one of the most misunderstood financial tools in Kenya: TRUSTS.

Matu shares his personal experience as a beneficiary of one of Kenya's most prominent family trusts following the passing of his grandfather, Jenga Karume. He speaks candidly about what worked, what went wrong, and how trustees can either preserve a legacy or become the source of conflict.

Meanwhile, Eliot breaks down the legal side of trusts, succession planning, trusteeship, and why many families misunderstand the role these structures play.

Money and Startups: Don't Leave Your Job to Build a Business!

Tue, 26 May 2026 06:18:00 GMT

Everybody loves startup success stories.

The funding announcements.

The Forbes lists.

The headlines.

But very few people talk about what it actually takes to build a business in Africa.

In this episode of the Just Money Podcast, Engineer, Entrepreneur, and Forbes Africa 30 Under 30 Honoree Ian Minjire breaks down the realities behind entrepreneurship, fundraising, governance, resilience, and survival in African markets.

Money, Music & Manipulation: Who Really Gets Paid?

Tue, 28 Apr 2026 22:05:00 GMT

Music looks glamorous on the outside, but the money story behind it is very different.

Breaking into global markets as an African artist can cost hundreds of thousands, if not millions of dollars, while local streams generate only a fraction of that value.

In this episode, Just Ivy Africa sits down with Moriasi Omambia, General Counsel and Head of Business Affairs at Sauti Sol Group, to unpack the real economics of the music industry, from discovery to global success.

Money, Relationships and the Cost of 'We'

Tue, 21 Apr 2026 08:34:00 GMT

We talk about love, compatibility, and communication in relationships, but we rarely talk about money with the same honesty.

In this episode, we explore something most people only confront when it's too late: the real cost of "we."

Who owns what?

What counts as contribution?

And what does the law actually recognize?

Relationships are not just emotional, they're also financial and, in many cases, legal.

This conversation is worth having early.

Money and the Impact of the US-Iran War on Kenya's Economy

Thu, 16 Apr 2026 11:54:00 GMT

Money is never just about money, especially during global conflict.

From rising oil prices and inflation risks to supply chain disruptions, Just Ivy sits down with economist Prince Muraguri and security expert Andrew Franklin to break down what the US–Iran conflict could mean for Kenya.

This isn't just a global story. It's a Kenyan one.

How much control do we really have over our economy?

Money, Capital, and Digital Infrastructure Investment- Eric Ruenji & Derrick Gakuu

Mon, 15 Dec 2025 08:00:00 GMT

In the eighth episode of the Just Money Podcast, our host, Just Ivy Africa, sits down with Eric Ruenji, an investment banker and Chairman of Theo Capital Holdings Limited, and Derrick Gakuu, Tech Founder at Siscom Africa, to discuss Tech and the Evolution of Africa's Digital Infrastructure.

Money, Technology, and The Artificial Intelligence Boom- Tony Muiyuro & Michael Michie

Mon, 08 Dec 2025 08:00:00 GMT

AI is no longer the stuff of dreams or a distant dystopian future, nor is it the preserve of a few select industries. AI is here and it is real, and Kenyans are leading the charge, representing about 24% of global usage on ChatGPT, the popular large language model (LLM) that took the world by storm back in 2022.

In the episode of the Just Money Podcast, our host, Just Ivy Africa, sits down with Tony Muiyuro, a Technology and Cybersecurity Executive and Regional Director for East Africa at Syntura, and Michael Michie, a seasoned Thought Leader in AI, Cyber Security, and Data Privacy and Co-Founder of Everse Africa, to delve into the AI revolution.

Money, Stocks, and Building Wealth on the Nairobi Securities Exchange- Ronny Chokaa & John Collins

Mon, 01 Dec 2025 08:00:00 GMT

Scared money doesn't make money!

In the sixth episode of the Just Money Podcast, our host Just Ivy Africa, sits down with John Collins Mbugua, Senior Analyst at Faida Investment Bank, and Ronny Chokaa, Senior Research Analyst at Capital A Investment Bank, to dispel the myth that investing is only for the wealthy.

We explore how the market is accessible to everyday investors and why research and timing are key for success in the Kenyan market.

Money, Corporate Culture and Career Breaks - Daisy Cherono & Michelle Ndonye

Mon, 24 Nov 2025 08:00:00 GMT

Do feel-good office vibes matter when fair pay and job security are on the line in the workplace? In the fifth episode of the Just Money Podcast, our host Just Ivy Africa sits down with Seasoned HR expert Daisy Cherono (Master in International Human Resources Management) and seasoned Office and Operations Manager Michelle Ndonye to tackle the most controversial and sensitive issues surrounding Money and the Workplace.

Money, Investment Mistakes and the Trading Psychology - Gertrude Njeri & Stormzy Mwendwa

Mon, 17 Nov 2025 08:00:00 GMT

In the fourth episode of the Just Money Podcast, we unpack the common blunders that sabotage investors and explore the critical mindset needed to win when the markets are volatile.

Our host Just Ivy Africa sits down with Gertrude Njeri, Community Manager at HISA, and Investment Educator & Financial Content Creator Stormzy Mwendwa, to expose the lessons learned from their toughest losses and the strategies that turn market fear into opportunity.

Money, Power and the Unfiltered Truth about Entrepreneurship - Ian Njoroge & Dr Renoh Omoro

Mon, 10 Nov 2025 08:00:00 GMT

Money and the acquisition of Power often follow an Unconventional path that business schools don't teach.In this explosive conversation, host Just Ivy Africa sits down with two exceptional young founders, Ian Njoroge of Mancave Market (grooming franchise) and Dr. Renoh Omoro of InSmile Clinic (dentistry), to share the unfiltered truth about building successful businesses from scratch.

Money, the Middle-Income Trap and Building Wealth -Val Njoroge & Stan Agacho

Mon, 03 Nov 2025 08:00:01 GMT

Are you earning more but still feel broke? That's the middle-income trap.In this must-watch episode of the Just Money Podcast, financial visionary Valentine Njoroge, Co-founder & CEO of Africa's Pocket, and Wealth strategist Stan Agacho, founder of One Million Nation (ONAMA), reveal the hard truths about money, the psychology of wealth, and the actionable steps you need to take to build true financial freedom.We cut through the noise on lifestyle inflation, conspicuous consumption, debt management, and the crucial financial conversations you must have with your partner.

Money, Markets, and The Quick Wealth Illusion- Leah Wakarima & Bernard Nyaga

Mon, 27 Oct 2025 07:30:00 GMT

The internet is flooded with hype promising high monthly returns, easy Forex trading success, and instant financial freedom. But what if that 'pompous lifestyle' is just an illusion?

In the pilot episode of the Just Money Podcast, we're pulling back the curtain on the most pervasive myths in finance. Our host, Just Ivy Africa, challenges experts Bernard Nyaga (Head of Country,HFM) and Leah Wakarima (COO,HISA) on how the markets really work, who they truly benefit, and the biggest mistakes people make with their money.