Families and friends are encouraged to create traditions rooted in thoughtfulness, like handwritten letters, shared experiences or even charity contributions.

Finance coach Margaret Njeri noted that opportunities gravitate toward people who have already created room for them rather than those waiting on luck.

Finance coach Margaret Njeri says there is also a cultural belief that money is meant to be enjoyed when the year ends, so people tend to relax their budgets.

It’s not just budget worries or investment decisions; it’s a deeper, more pervasive unease, a fear of money that can influence our career choices and even impact our overall well-being

Margaret advises people to identify their strengths and research ways to turn their skills into digital products or services for profitability

As Mr. Mbaya puts it, “Teaching your daughter how money works early, gives her the power to make choices, solve problems, and lead her own journey”