Money, Relationships and the Cost of 'We'

YOUR MONEY SHOULDN'T LIVE IN ONE COUNTRY

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

This episode is brought to you in partnership with HISA: https://shorturl.at/nIZTt [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/ [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/ [https://www.linkedin.com/in/dr-mary-waceke-thongoh-muia-60b6ba2b/]) Follow our Host Just Ivy Africa on Socials: https://linktr.ee/justivyafrica_?utm_source=linktree_profile_share<sid=63b80341-307e-4644-a2d7-dadb5367987f [https://linktr.ee/justivyafrica_?utm_source=linktree_profile_share<sid=63b80341-307e-4644-a2d7-dadb5367987f] Stay ahead of everything happening in the economy, powered by The Kenyan Wall Street: https://whatsapp.com/channel/0029Vb6bsWC0rGiScNY6zP47 [https://whatsapp.com/channel/0029Vb6bsWC0rGiScNY6zP47] Subscribe to The Kenyan Wall Street for new episodes every week! 🎧 Listen & Follow Just Money Podcast: YouTube: https://www.youtube.com/@kenyanwallstreet [https://www.youtube.com/@kenyanwallstreet] Spotify: Just Money Podcast TikTok: Just Money Podcast X (Twitter): @JustMoneypod

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

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

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!

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.