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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. Follow our Host Just Ivy Africa: Instagram: https://www.instagram.com/just_ivy_africa_ TikTok: https://www.tiktok.com/@just_ivy_africa LinkedIn: https://www.linkedin.com/in/just-ivy-africa Linktree: https://linktr.ee/justivyafrica_ Follow I&M Bank: Facebook: https://www.facebook.com/imbankke/ X: https://twitter.com/imbankke Instagram: https://www.instagram.com/imbankke/ LinkedIn: https://ke.linkedin.com/company/imbankke Get Started with I&M Bank: Search "I&M Bank" on Play Store or App Store and download. Stay ahead of the economy with The Kenyan Wall Street: 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 Spotify: Just Money Podcast TikTok: Just Money Podcast X: @JustMoneypod Instagram: @JustMoneyPodcast 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. 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 #PortfolioBuilding #IMCapital #PersonalFinanceKenya #WealthBuilding

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

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/) Follow our Host Just Ivy Africa on Socials: https://linktr.ee/justivyafrica_?utm_source=linktree_profile_share&ltsid=63b80341-307e-4644-a2d7-dadb5367987f Stay ahead of everything happening in the economy, powered by The Kenyan Wall Street: 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 Spotify: Just Money Podcast TikTok: Just Money Podcast X (Twitter): @JustMoneypod

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.

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.

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.

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.

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 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?

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.

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.

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.

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.

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 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.