Financially Incorrect

How do you build an agribusiness managing nearly 5,000 acres across Africa without owning the land? When Kevin Kamau returned to Kenya in 2015 after a decade in the US, he struggled to find employment and turned to farming with no personal capital. What began with one acre of family land grew into Tukalime Ventures, an agribusiness operating across Kenya, Rwanda, Mozambique and Nigeria. But growth came with expensive lessons. Failed harvests, rising production costs and delayed payments from large buyers exposed the financial risks of commercial farming. At one point, Kevin turned down a senior role offering up to KSh 1 million a month to continue building his business, eventually securing a proposed $100,000 investment that opened the door to expansion.In this Financially Incorrect Business Edition, Kevin breaks down the economics of commercial farming, why leasing land makes more sense for his business than owning it, how commodity trading helps manage risk, and the partnerships that enabled Tukalime to scale.---------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🧑‍🏫 Learn how to trade: https://lnk.bio/fxpesa📲 Open a demo trading account: https://bit.ly/DemoAccountYT 📈 Start live trading: https://bit.ly/LiveAccountYT---------------------------------------------------------------------------------------------------------------------------------------Episode Chapters00:00 Introduction02:29 Welcome to Financially Incorrect05:28 The Risks of Agribusiness09:06 Family, Inheritance & Generational Wealth16:08 Life in America21:08 Returning to Kenya25:41 Starting Farming With Zero Capital32:33 How Tukalime Ventures Started37:24 Farming Failures & Financial Lessons43:25 Finding Customers & Growing the Business46:35 The Cash Flow Problem55:30 The KSh 1 Million Job Offer59:00 Securing a $100,000 Investment1:03:15 Choosing Business Over Employment1:05:40 Building a Scalable Agribusiness

Fakii Liwali spent decades helping shape Kenya's entertainment industry, working with some of the country's biggest artists and corporate brands. From Homeboyz and Capital FM to Coca-Cola and managing artists like Nyashinski, he built a successful career behind the scenes. But despite earning millions and building a reputation that opened doors, his journey with money was far from straightforward.Fakii reflects on dropping out of college, building a career without formal qualifications and rising from a KSh 5,000 salary to earning over KSh 450,000 a month. He shares how producing the Kenyan movie 40 Sticks for approximately KSh 8 million left him KSh 5 million in debt, the financial hardships that followed, and the lessons he learned about managing creditors, taking risks and rebuilding financial stability.---------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🧑‍🏫 Learn how to trade: https://lnk.bio/fxpesa📲 Open a demo trading account: https://bit.ly/DemoAccountYT 📈 Start live trading: https://bit.ly/LiveAccountYT---------------------------------------------------------------------------------------------------------------------------------------Episode Chapters00:00 - Introduction: Fakii's Money Story05:30 - Dropping Out of College to Support His Family09:34 - His First Experience With Forex15:36 - Breaking Into Kenya's Entertainment Industry27:10 - Starting at Homeboyz on KSh 5,00032:25 - Building the Homeboyz–Sprite Partnership38:11 - Selling Kenyan Music Before Streaming43:52 - Making Money Managing Kenya's Biggest Artists48:22 - Making Money From Election Campaigns55:00 - Why Kenyan Artists Undervalue Their Work01:00:14 - Climbing the Corporate Ladder Without a Degree01:22:50 - The KSh 8M Cost of Producing 40 Sticks01:43:45 - Surviving Debt and Financial Hardship02:05:26 - How His Name Became the Capital Behind Kulture02:18:28 - His Biggest Money Regret and Lessons on Wealth

What would make a senior banking executive walk away from career security to return to university while supporting a family? For Kevin Rudahinduka, the decision meant rethinking how he financed his future, adjusting his household expenses and finding alternative income, including renting out his car. In this Rwanda Edition of Financially Incorrect, Kevin reflects on the early experiences that shaped his relationship with money, from losing his mother at 14 to learning resourcefulness, pursuing education and building a career across financial services.As CEO of Eden Care Healthcare Rwanda Limited, Kevin also shares lessons from his work in microfinance, digital banking and healthcare insurance. He explains how technology helped lending officers reach borrowers through mobile money, why access and trust matter in insurance, and how Eden Care grew from approximately RWF 700 million to RWF 6 billion in three years, according to his account. The conversation explores career risk, family responsibility, financial decision making and the business of making financial services more accessible in Rwanda.---------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🧑‍🏫 Learn how to trade: https://lnk.bio/fxpesa📲 Open a demo trading account: https://bit.ly/DemoAccountYT 📈 Start live trading: https://bit.ly/LiveAccountYT---------------------------------------------------------------------------------------------------------------------------------------Episode Chapters00:00 Introduction05:23 Hiking, Reflection and Decision Making10:24 Losing His Mother and Learning Financial Responsibility21:29 How Microfinance Reached Underserved Borrowers41:51 Taking Banking Beyond Cash52:40 The Property Investment He Delayed57:09 Leaving Banking to Pursue a Master’s Degree01:27:43 How Eden Care Grew From RWF 700M to RWF 6B01:30:50 Why Insurance Access and Trust Matter01:34:07 Kevin’s Lessons on Money, Family and Investing

From playing keyboard at church for KES 5,000 a month to becoming Sauti Sol's musical director and building his own music ventures, Mutoriah's career has been shaped by a willingness to keep creating beyond the opportunities already available to him.In this episode of Financially Incorrect, the Kenyan musician and producer opens up about the decisions behind his journey, from working with one of the country's most recognised bands to developing music experiences of his own. He shares the lessons he learnt from early business ventures, how his hit song “Beta” changed his performance bookings, and why building a sustainable music career takes more than making good music.We also explore the thinking and investment behind projects such as Nikili Sessions and Mutoriah and the Orchestra, and what it takes to turn a creative idea into an experience people are willing to pay for.---------------------------------------------------------------------------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🧑‍🏫 Learn how to trade: https://lnk.bio/fxpesa📲 Open a demo trading account: https://bit.ly/DemoAccountYT 📈 Start live trading: https://bit.ly/LiveAccountYT---------------------------------------------------------------------------------------------------------------------------------------Episode Chapters00:00 Introduction03:42 From Playing Keyboard at Church to Earning KES 5,000 a Month08:16 Finding His Place in the Music Industry13:35 How His KES 1.5M Studio Budget Dropped to KES 150K18:42 Learning to Start With What You Can Afford23:57 The Cost of Getting Business Decisions Wrong27:35 His Journey as Sauti Sol’s Musical Director34:18 Building a Career Beyond an Established Band41:06 The Business Ideas He Tried Outside Music49:05 What Failed Investments Taught Him About Money55:23 Turning Music Into Experiences Through Nili Sessions1:02:14 Building an Audience Beyond the Song1:08:36 The Cost of Staging an Orchestra1:15:59 What a Hit Song Actually Earns1:21:18 How “Beta” Took His Monthly Gigs From 2 to 151:26:10 Building His Own Path in the Music Industry

Manuela P Mulondo had the kind of public success most people would assume came with financial security. She was speaking at major events, meeting presidents and receiving international recognition, while her business was generating more than UGX 40 million a month. But behind the visibility, personal and business finances were intertwined, debt was mounting, and the business was funding a lifestyle it could not sustain.After stepping away from public speaking for nearly two years, Manuela rebuilt how she approached money, business and value creation. The systems she had developed for her own life became products, generating approximately KES 1.7 million during the pandemic, while her investment journey grew from UGX 10,000 every two weeks to UGX 1 million.In this Uganda Edition of Financially Incorrect, Manuela opens up about UGX 150 million in debt, the cost of public success, building financial systems, monetising her knowledge, and what it meant to eventually become someone who could “lend to Uganda.”---------------------------------------------------------------------------------------------------------------------------------------Shoot Location: https://www.airbnb.co.uk/rooms/1325239957948826362?guests=1&adults=1&s=67&unique_share_id=456f0edd-03c2-4850-9438-4cd16bce1729&source_impression_id=p3_1791294604_P3l0_qcJT5mP098LAccess all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🧑‍🏫 Learn how to trade: https://lnk.bio/fxpesa📲 Open a demo trading account: https://bit.ly/DemoAccountYT 📈 Start live trading: https://bit.ly/LiveAccountYT---------------------------------------------------------------------------------------------------------------------------------------Episode Chapters00:00:00 The Financial Habits I Had To Unlearn00:06:42 I Fought To Control Our Family Money00:13:18 I Started The Cradle With $5,00000:20:08 UGX 40M A Month. Still No Control00:27:34 I Was Funding My Public Image00:34:51 The World Was Celebrating Me00:42:36 I Realised I Was The Problem00:50:12 I Turned My Systems Into Products00:58:47 My Home System Made KES 1.7M01:07:05 From UGX 150M Debt To Saving 60%01:17:21 I Started Investing UGX 10K01:27:18 From UGX 10K To UGX 1M01:35:06 I Started Lending To Uganda01:41:02 What Financial Stewardship Changed