The fastest way to build wealth is to separate survival money from investment money.

Here’s how:
Let your side hustle pay for your daily expenses — things like food, transport, and rent. That means if you make, say, Ksh 25,000 from selling clothes online or doing freelance work, use that to run your life.

Then, take your main salary — for example, Ksh 60,000 from your job — and direct it towards investments that grow your net worth. This could be buying shares, investing in a SACCO, starting a small business, or saving for property.

When you do this, you stop using all your income just to survive. Instead, you start using it to build your future. Most people stay broke because every shilling they earn goes toward bills. But when you let one income stream handle expenses and the other build assets, you start escaping the survival trap.

Wealth grows fastest when your money works for you — not when you work for money alone.