Financially Incorrect

What happens when you do everything right and life still doesn’t follow the script? In this episode of Financially Incorrect, we sit down with Dr Gladys Ngetich, a Kenyan engineer, Rhodes Scholar, Oxford PhD graduate and former MIT postdoctoral researcher, to talk about the parts of success people rarely admit out loud. Gladys grew up in Kuresoi South, excelled academically at JKUAT, graduated with one of the strongest first-class records in her class, and went on to secure some of the most competitive academic opportunities in the world, including a PhD at Oxford and a postdoctoral fellowship at MIT. On paper, her story looks flawless. In reality, it wasn’t. She opens up about graduating top of her class and failing to find a job, being rejected repeatedly after Oxford, discovering how automated hiring systems quietly filter out even elite candidates, and why networking mattered more than merit in moments that shaped her career. We also talk money. The scholarships that gave her more cash than she knew how to manage. The years of reckless spending. The moment she finally learned to save. The Uber cars and Airbnb investments she made back home in Kenya. The books she self-published that quietly earned more than some salaries. And the decision, at 31, to walk away, travel across 13 countries, and sit with a mid-life reckoning most people postpone. This is a conversation about ambition, detours, financial literacy, burnout, and what it really means to build a life beyond credentials. If you’re a student, a high achiever, or someone questioning whether success is supposed to feel this confusing, this episode will stay with you.--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux🔍 Read more about Gladys here: 👉 https://www.gladysngetich.com/about--------------------------------------------------------------------Timestamps00:00 Introduction & Context06:56 – Meet Dr Gladys Ngetich: Oxford, MIT, and the life behind the CV09:14 – Her 2026 money goal and why intentionality came late10:44 – What her PhD was really about (in plain English)14:38 – How she joined a PhD project and patented research15:06 – Growing up in rural Kenya and learning that money was scarce17:30 – Unpaid labour, family sacrifice, and early money beliefs20:07 – Why she chose engineering and life at JKUAT24:02 – Chasing A’s, ignoring business, and living for grades26:35 – Scholarships, excess cash, and reckless spending34:33 – Graduating top of her class and still not getting a job37:52 – Online writing, first real income, and lifestyle inflation39:17 – The banking detour that taught her more than engineering46:28 – Discovering the Rhodes Scholarship and applying anyway52:19 – Life at Oxford: money coming in, none staying55:20 – Skipping a Master’s degree and going straight into a PhD59:38 – Post-PhD rejection, SpaceX dreams, and reality hitting again01:01:37 – Landing MIT, earning six figures, and moving to the US01:03:02 – Visas, pressure, and limits of working abroad01:04:05 – ATS systems and why great CVs get rejected01:10:08 – Turning 31, quitting suddenly, and a 13-country reset01:25:35 – Writing books, passive income, and unexpected leverage01:27:22 – Why she paused academia to learn money and business01:28:18 – Final reflections and closing

Suraj didn’t “blow up.” He toiled. From playing Hindu temples in his hometown of Kisumu, to DJing for drink vouchers, to taking years just to make his first KES 100,000 from music - this wasn’t a fast story. It was a patient one. He gave his early earnings to his mum. Got told “not yet” more times than he can count.So he stopped waiting. He built Gondwana alongside Euggy and two friends. Captain’s Terrace. Thirty people in the room. Two meals and two drinks as payment. And he kept going. Seven years in, the world finally started listening.What changed everything wasn’t luck. It was the choice to keep building - quietly - long before anyone was watching.Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

In this episode, we sit down with Dorothy Ooko — former French lecturer turned Nokia and Google Communications leader — to explore the financial mindset behind her incredible career pivot. Dorothy shares how she went from teaching at KU and USIU to leading communications across Africa at two global tech giants — despite having no PR background. She opens up about disciplined money habits, avoiding debt, buying her home in cash, and why she now teaches women to negotiate confidently. We also unpack her role in the zero-rated mobile tax campaign that transformed phone accessibility in Kenya, her life after Google, and the experiences and friendships that pushed her beyond her comfort zone.-----------------------------------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

On this episode of Financially Incorrect, we sit down with Allan Mutuma, founder of Brown Cap Developers, to break down how he transitioned from corporate finance into building a fast-growing real estate business in Kenya. Founded in 2021, Brown Cap Developers has completed projects worth ~KES 400M and sold units totaling ~KES 500M in under four years — largely through personal networks, referrals, and disciplined execution rather than heavy marketing. Alan shares how growing up in a middle-class Nairobi family shaped his money habits, his early ventures selling second-hand shoes, investing while at Strathmore University, and how his first property project started as a family solution with just 15% equity and a lot of creative financing. We also talk about the role of partnership with his wife, family governance, faith and financial discipline, and why 70–80% of property investors are women — a point backed by behavioral finance research. A grounded conversation on real estate, money, and building quietly in Kenya.Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux

Sir M is one of Kenya’s most exciting new-age DJs, and this episode breaks down exactly how he got here. From dropping out of university with his parents’ support, to chasing a music career that never took off, Sir M shares the real story behind the pivots, setbacks, and discipline that shaped his journey. He walks us through his process — how he built his sound, sharpened his craft, and positioned himself in a crowded scene — plus the moments that changed everything--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux