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What Does It Really Mean to Be Financially Smart? | Money Moves: The Rich Woman Way — Transcript

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0:00[muziki]
0:02Ah.
0:07[muziki]
0:13>> [muziki]
0:20[muziki]
0:24>> Welcome back to Money Moves the Rich
0:26Woman Way, the podcast where we unpack
0:28the realities of building and of course
0:30explore stories, lessons and mindsets
0:34that pave way for opportunities like
0:36financial freedom, sustainable growth,
0:39financial empowerment and of course
0:41generational
0:42wealth Wendy K is my name your host for
0:44today and always I'll pass it over to
0:46the beautiful rady on my right kama
0:49kawaida today we are having a new signal
0:53location tuko outside the leg side yeah
0:56they have a beautiful background and we
0:58are so excited because we are having an
1:00amazing guest for you today and I would
1:03like to just give a brief but I want to
1:06let her introduce herself she is a woman
1:09>> she is a woman that has done it all
1:13>> from humble backgrounds to where she is
1:15right now. Oh my god. Like you can't
1:17wait for this. And it's not just a story
1:19cuz money moves is not just about the
1:23the laid back or the the polished
1:26version.
1:29kwa
1:31kunafanana aje na leo tutachanganya
1:33lugha kidogo
1:36>> maanake mchanganyiko itafanyika leo so
1:39ladies and gentlemen let me
1:41>> introduce let me welcome the beautiful
1:44>> wow
1:45>> the bold
1:46>> m
1:46>> eh
1:47>> mh
1:48>> the wis buse every time we sit down with
1:51her we are just [kicheko] taking not
1:53right
1:53>> naamini
1:55>> thank you thank Thank you. Thank you.
1:57Thank you guys.
1:59That is so awesome. Thank you. I'm so
2:03happy to be here. Asanteni sana sana.
2:06Kama mlivyosikia jina langu ninaamini
2:09Obura. Yeah. I am a kisumian.
2:13Yeah. This is my home. I'm not about to
2:15move very soon.
2:17Yeah. And we love talking about money
2:21because [kuimba]
2:22somehow money moves things, right? Yeah.
2:25>> And of course we have money moves the
2:26rich way. Right. Yes. Of course.
2:28Somebody for somebody who does not know
2:30you, who are you? Who are you? What do
2:32you do? Um
2:34>> yeah. Tell us tell us tell us about
2:36yourself.
2:36>> Okay. Naamini is a mother, Namini is a
2:40wife, naamini is a business woman.
2:44Mimi ni mfanyiashara ambaye nimekithiri.
2:48>> Yaani ina maana nina mizi.
2:51Hapa katika [kicheko] huu wa Kisumu.
2:53>> Wow. How many years in business?
2:56>> Ah since more than 15 years.
2:59>> Wow. Wow.
3:01M just in Kisumo.
3:03>> Oh yeah.
3:03>> Okay. So for our listeners to anyone who
3:07is watching you or listening to you
3:09today, you know, we have a lot of
3:10information about money on social media
3:13platforms, right? Why should they listen
3:15to Naamini today?
3:17>> Well, kwa sababu unajua um pesa
3:22>> watu wameweka sana wameweka sana
3:26wameweka sana mambo mengi kwenye pesa. M
3:29>> Lakini pesa wanadamu tunaihitaji
3:31>> kweli
3:32>> katika kila kitu tunachofanya
3:34>> mh
3:35>> inahitaji pesa.
3:37>> Unaelewa?
3:37>> Kwa hiyo ni kitu ambacho watu
3:39hawaongelei kwa sababu labda hawana ile
3:41confident ya kuongelea kuhusu pesa.
3:44Lakini pesa ni kitu kinahitajika. Kwa
3:46hiyo ni kitu ambacho tunatakiwa
3:47tukiongelee
3:48>> na ni kitu ambacho tunatakiwa tukizoee.
3:50Usiseme tu sijui pesa ni ya yule ama ni
3:52ya yule.
3:53Hata wewe unaweza kuwa nayo.
3:55>> Oh interesting. Interesting.
3:58>> Na hata hivyo ukikuwa nayo unaweza
4:00unaweza jifunza jinsi ya kuitumia
4:03so that you have you keep on having buse
4:06it's one thing to have the money and
4:09it's another thing sorry to keep to keep
4:12money and use it well. Pesa inataka
4:14discipline. Inataka discipline. Inataka
4:16uiheshimu
4:18kwa sababu inakuseme inasolvia
4:22inakuondolea matatizo fulani hapa na
4:25pale.
4:25>> Kwa hiyo ukipata hiyo pesa unatakiwa
4:29ujue vile unaweza itunza na vile unaweza
4:33endelea kuwa nayo mpaka wakati ule
4:35ambapo
4:35>> m
4:36>> hutahitaji tena. Na huo wakati ni wakati
4:38umekufa. Of course.
4:38>> Umekufa.
4:41katika safari yako ya kuiguza pesa maybe
4:45you explain to us maybe share with us
4:47when was the first time you interacted
4:49with money when was as naamini mara
4:52yangu ya kwanza sasa nimepata pesa right
4:55take us through that you know that
4:57journey how was it when was the first
4:59time you literally interacted with money
5:01or let's go back to her childhood first
5:04buse I believe that is where it all
5:06starts that's the foundation right just
5:08tell a bit about your childhood. Yeah.
5:11>> Okay. Naamini amelelewa katika maisha ya
5:13kimaskini.
5:14>> Ah
5:15>> siwezi sema kivingine zaidi ya hapo.
5:18Yaani wanasema stinking rich. Mimi ni
5:22yule nililelewa katika maisha ya
5:24stinking poor.
5:25>> You know maisha ya kimaskini maisha
5:27yenye hayakukuwa yana usingejua lunch
5:30itatoka wapi. You know sapa itatoka wapi
5:33kama utakula ama hautakula. M
5:35>> kwa hiyo nimelelewa hivo mpaka mpaka
5:37miaka mpaka miaka 19
5:40katika hiyo hali. Lakini hapo katikati
5:44ilinibidi nianze biashara m
5:46>> kwa sababu najisaidia mwenyewe kusoma.
5:49Mh. Tulikuwa watoto wengi. Babangu
5:51alizaa watoto wengi.
5:53>> Kwa hiyo ah katika ile kunani
5:57kukosa kile kitu ambacho msichana
5:59anataka ilinibidi nianze kufanya
6:01biashara ndogo ndogo kama kashata. kuuza
6:03kashata shuleni. nilijifunza kuuza
6:05kashata nikiwa na miaka sijui 12 unajua
6:08>> m
6:08>> kwa hiyo nikawa nina zinanisaidia ni
6:10shilingi shilingi tulikuwa tunauza
6:12>> lakini zilikuwa zinanisaidia kununua
6:14vitu vidogo vidogo vyangu mimi mwenyewe
6:16labda viblauzi ya visketi unajua kwa
6:20sababu baba yetu alikuwa kwa sababu ya
6:21watoto wengi anachoangalia cha muhimu ni
6:23shule na chakula
6:25>> kweli
6:25>> hayo mavazi nini hiyo ilikuwa ni luxury
6:28unajua so ilinibidi mimi mwenyewe nianze
6:32kusimama na kuangalia vile nitaishije,
6:35nitafanyaje ili niweze kupata vile vitu
6:38vingine alafu hakukukuwa na option kama
6:39zenye ziko saa hizi sijui wababa sijui
6:42wa nini sisi hatukukuwa na hizo option
6:44>> eh
6:45>> hatukukua watu walikuwa hatukukuwa
6:47tunafikiria m hata siku moja sijawahi
6:49fikiria kitu kama hicho unajua
6:51>> so ah katika hiyo kupata nikaona
6:54biashara kale kabiashara kakashata
6:56kanafanya nikaanza kujiwekea m
6:59>> sitaki kuitumia yote kwa sababu
7:01ninaogopa kukosa buse ninajua maisha ya
7:03kukosa yalivyo.
7:05>> So kutokana na kukosa nilijifunza kuweka
7:08>> ndio niweze kuitumia wakati ule
7:10ninahitaji. M
7:11>> and then nikaendelea kujitrain sasa
7:13nikawa nikiweka shilingi 20 naona m
7:16nimefanya kitu niweke tena 20 naona
7:18nimefanya kitu. Kitu kimoja ningesema
7:21>> mh
7:22>> watu wengi wanadharau pesa ikiwa ndogo.
7:25>> Ah
7:26>> unaelewa kweli?
7:27>> Ah sasa nalipwa 1,000 nitasave nini na
7:31nivae unaona? Lakini kumbuka milioni
7:35moja inaanzia na shilingi moja
7:37>> kabisa kabisa.
7:39>> Mimi hata huwezi nipata unakuta sasa
7:40hivi shilingi hazitumiki tumiki sana na
7:43unaweza pata sometimes you have them in
7:44your bag.
7:46Mi ikianguka utaona venye naconcentrate
7:48kuitafuta
7:50because yaani because it is important to
7:53you might not know but it is important
7:56and once you take seriously the issue of
7:58money utaanza kubadilisha maisha yako.
8:02haijalishi unafanya kazi gani ni kidogo
8:04ama ni kubwa unaweza kuwa
8:07>> mh
8:08>> so kile napata what I'm picking is your
8:11first interaction with money was wakati
8:14ulianza kuzi zile kashata aha ukaanza
8:18kujiweka pesa pole pole pole pole pole
8:20pole kukijinunulia viblozi visketi ili
8:24at least you get a way of keeping
8:26yourself given the background that you
8:28are coming from right so what did that
8:31do to your mind at that age you 12
8:34>> I was 12
8:34>> 12 what did that do to your mind right
8:38um buse you know as a child sisi tukiwa
8:39miaka 12 my god si tulikuwa tunafikiria
8:42vitu vingine vile right of course yeah
8:45um so what did that do to your mind as a
8:48child right looking back now as an adult
8:50what did that do to your mind as a child
8:53>> okay um nikiangalia kwa sasa hivi
8:56>> m
8:58>> i see myself that i was a very little a
9:00very smart little girl. Yeah, I was a
9:04very smart little girl because there
9:06what I learned for myself, on myself
9:11pekee yang unajua
9:13>> hicho kitu nilichojifunza ni kwamba
9:15kimenifanya niwe who I am today. M
9:18>> yeah kwa hiyo
9:20I'm proud of myself. M
9:22>> Yeah. I'm very proud of myself for doing
9:25that because it has made me learn. And
9:27right now even when I have that money I
9:30am still I'm disciplined. Very
9:32disciplined. Yeah.
9:34>> So basically
9:35ilikuwa ni kama tabia ulijifunza
9:38>> buse you talk about she talks about
9:40discipline a lot and what I'm getting is
9:43ni
9:44>> it's more than kujua nafaa kuweka. Ni
9:47ile ku
9:48>> kufika mahali yenye una yaani ni hali
9:52yako ya kila siku.
9:54[kicheko] Karakta yangu ni hali yangu ya
9:56maisha. M so kama unaweza kama unaweza
9:59weka 20 bob unaweza 20,000
10:02>> kabisa
10:02>> na kama huwezi weka 20 bob hiyo 20000
10:04ndio utaweka
10:06>> utaweka and we say here a lot of times
10:08that unajua and and I love that she's a
10:11practical example tunasemanga hata kama
10:13uko na hiyo kidogo you can still keep it
10:15away you don't have to wait at wait ile
10:19day itafika 1,000 ndio mimi nitaanza
10:20kusave ama ile day itafika 10,000
10:23ndio nitaanza kusave buse haitawahi
10:25fikafika So ni ile inafaa kuwa ni hali
10:29unajifunza kama wewe discipline ni akuwe
10:33ni wewe tu yaani ni wewe in
10:3710 20 30 40 in one thing um
10:45savings now that you're talking about
10:46savings is
10:48>> save as soon as you earn
10:50>> don't spend and then ile imebaki ndio
10:52unakumbuka oh nafaa kuwa naweka kitu
10:55kitu kidogo asve
11:00as
11:03not saving saving to invest
11:06na imagine ukishaweka yes utanunua vitu
11:10zako lakini hiyo pesa umeweka kuna yenye
11:12utarudi kuongeza stok
11:14>> right
11:15>> kama unaona nilivyokuwa ninauza kashata
11:17niliuza kashata nikauza kashata nikatoka
11:20>> nikarudi shule
11:22>> kwa hiyo sikukuwa nafanya vitu tena
11:23lakini nilikuwa na hela ninaweka
11:26Kwa hiyo baada ya hapo nikaanza sasa
11:27kufanya nauza viingua nimepanda bei
11:30bwana kwenye [kicheko] kashaka
11:33kwenye
11:33>> nimepanda kwenye eh nina nani niko
11:36kwenye vipuli nauza vipuli nauza bangili
11:38nauza visa ninaendelea kupanda panda
11:41naendelea kupanda sasa lakini sasa
11:43savings yangu si ile ya utoto tena
11:46>> sasa hivi niko na goal sasa ninaona I
11:48can have a boutique I can have you know
11:51so unakuwa na nani na mtazamo pia pamoja
11:54anakuwa una ile hela
11:56>> unatakiwa ujiambie unaenda wapi unataka
11:58nini
11:59>> what's your why you just saving averal
12:03saving ever [kicheko]
12:06>> lazima ukuwe na goal
12:08>> hii ndio nataka
12:09>> na ni kitu gani kizuri ninapenda kufanya
12:13>> usifanye kitu kwa sababu
12:15>> m
12:16>> faith anafanya ama nani ahah usifanye
12:18kitu it's the in thing kwanza hicho kitu
12:21kiko sana hapa kisumu ni mtu amefungua
12:23popcorn mwingine anataka kufung fungua
12:2410 akun knockout badala afikirie kitu
12:28chake cha kufanya. Unaona? [kicheko]
12:30So nani? Unakuwa na ni nini ni wapi
12:33ninaenda
12:34>> ni nini ninataka
12:36>> alafu katika kutembea pale endelea kuona
12:39katika mawazo yako
12:40>> m
12:41>> who do you want to be.
12:43>> Wow.
12:44>> Yeah. Envision who you want to be and
12:47>> always envision and because that one
12:49will give you a guide. m
12:51>> eh itak nataka kukuwa mtu fulani siku
12:54moja
12:54>> m
12:55>> nataka kukuwa mtu fulani kwa hiyo tembea
12:57katika hiyo njia ukijua ndio nauza ereni
13:00lakini pale ndio naenda
13:01>> mh meaning this like if you know where
13:05you're going hiyo inamaanisha haufai
13:08kuwa na aibu ya biashara ahah
13:10>> hata kama leo wewe ndio unauza hiyo
13:12earring hafai buse unajua mahali una
13:15>> nikuambie faith unajua nilivyokuwa nauza
13:17earing sikukuwa ninauza eti ninauza
13:20mahali
13:21Nilikuwa nafanya Tanzania tunaita
13:23umachinga m
13:24>> hapa Kenya mnaita nini? Hoker
13:26>> hawing nilikuwa nafanya hawing
13:30kwamba nilikuwa eti nimekaa very
13:32beautiful place ninafanya no nilianza na
13:34kufanya hawing nilikuwa nabeba mabag
13:36mikono inauma usiku jioni nikifika
13:38nyumbani nakuwa kama nimetoka gym lakini
13:41ni bags zangu za hwing nimebeba huku
13:42nimeweka sijui nini nimeweka sijui nini
13:44natembea kupanda ngazi kwa maofisi uuzie
13:47wanaume mashati uuzie nikaja nikaanza
13:49kuongeza za mashati nikaanza kuongeza
13:51vipochi vya wamama unajua kwa hiyo si
13:55kwamba tulianzia eti na very beautiful
13:57place we started by hawking so you must
14:00start from somewhere what I'm getting is
14:02do not despise humble beginnings because
14:04it is the humble beginnings that I've
14:06got you to where you are todayakupeactly
14:11>> exactly kuna kitu umesema I want to
14:14touch on it umasesema enzi zenu hamkuwa
14:17na wababa hii enzi zetu tuko na wababa
14:20Sasa [kicheko]
14:22kwa sababu tuko na wababa
14:24>> tuweke pesa tusiweke pesa
14:26>> m
14:27>> tuwafuate tusiwafuate.
14:29Give us your eh
14:32>> kwanza
14:33>> ehe
14:34>> kwanza mimi nitasema na mtanisamehe sana
14:37>> mosikiliza.
14:38>> Ehe
14:38>> mimi nawachukulia watu wanaotafuta
14:40wababa kuwa ni wanawake dhaifu.
14:43>> Okay.
14:44>> Wanawake ambao ni lezi. Mh
14:47>> kwa sababu ngoja nikuambie
14:49>> ehe
14:49>> nikupe mfano je huyu mbaba ehe
14:52>> m
14:53>> huyu mbaba angekuwa tu amekaa pale pale
14:55barabarani hana kitu chochote
14:57>> m
14:58>> amevaa nguo zake tu za kawaida jasho
14:59limemtoka m
15:01>> m
15:02>> anauza labda karanga m
15:04>> m
15:04>> mh
15:05>> ungempenda
15:06>> ah hata ungemwangalia
15:08>> hata usingemwangalia ukweli wa mambo
15:09ndio hivemuona hata kama angekuwa ndio
15:12handsome old guy handsome boy
15:16Silver Fox.
15:17>> Yes. Silver Fox. [kicheko]
15:19>> Hata ungekuwa Silver hakuna mtu
15:20angemwangalia kwa sababu yuko pale
15:22anauza. Nani anataka kutuende tukauze
15:23karanga na wewe?
15:24>> Napenda vile fedha. Ako very active.
15:26[kicheko]
15:29Eh
15:32so kwa hiyo ina maana wewe uliwinda
15:35>> m
15:36>> ukamuona ana gari la aina hii ana
15:39familia maybe aina hii mahali anakaa ni
15:41mahali fulani labda hujui mahali labda
15:43mahali ulipompata ukamuona ni mahali
15:44ambapo ni klasi
15:46>> ukajiavail
15:47>> kweli
15:47>> wewe ni msichana lezi
15:49>> that is the bottom line m
15:52>> lakini kuna msichana anasema eh lakini
15:53wewe huelewi situation yangu mi nataka
15:56anipee capital ndio nianze nianze
15:58biashara yangu unaweza ambia huyo
15:59msichana nini kwa
16:00>> pesa yoyote inayopatikana kwa urahisi
16:02huwezi heshim
16:03>> samahani kwa sababu on the same breath
16:06we have women who are you nini who are
16:10advising young girls to do that
16:12>> eh kuna wenye kwa podcast kama the way
16:15tunakaa podcast hivi na wanakuambia eh
16:17vaa hivi in fact vaa klasi hivi eh
16:20ukienda tembea hii style
16:24>> nywele ikae hivi eh wewe instead of
16:27kuinvest kwa biashara wewe invest kwa
16:29nguo nzuri ndio ufanane klas yake ndio
16:33akuone
16:35eh so that akutoe poverty
16:38ama ama anakuambia they make it sound
16:40very smart anakwambia sasa akikupa hiyo
16:42pesa usiende shopping nayo sasa
16:45akishakupa hiyo pesa enda sasa uinvest
16:47nayo. So instead of kuteseka kwa jua
16:50labda ukiwenda endaenda tu eh
16:53ujiposition tu kwa mbaba enda enda kesha
16:55enda nini jiposition tu akikupea capital
16:59>> uanze. Sasa naweza sema unajua ukikuwa
17:03katika ukiwa na pesa
17:04>> kuna kitu inaitwa discipline
17:07>> saa ile unaijenga ile hela
17:09>> unakuwa na discipline umeelewa
17:11>> ehe
17:12>> unlike yule mtu mwenye ametoka ameenda
17:14kwa mbaba akapewa milioni moja hajawahi
17:17fanya biashara
17:19hajawahi hajawahi hajawahi jua kusave
17:22yaani hajui kitu chochote. yeye
17:24ameambiwa tu wewe nenda katafute capital
17:26ukipata hiyo capital yako ya shilingi
17:28200 ununue vitu ambavyo utatafutia tena
17:31capital nyingine. Unajua huyu sasa huyo
17:33ndio biashara yake hiyo ndio biashara
17:35yake. Let's just name it the way it is.
17:38You know we just name it the way it is.
17:40If you tell me to dress up
17:42>> so that I can attract something then
17:44that is my business. M
17:46>> alafu itafika mahali labda kama amekuwa
17:49na akili nadhani labda Mungu amjalie
17:51aseme okay labda labda nifungue
17:53biashara. Lakini huwezi niambia mtu
17:55ambaye amepata pesa kiurahisi anaweza
17:58aiheshimu atafanya hata ile ataenda
17:59ataha fun akijua s kuna yule nilipata
18:02huyu mbaba wa 200 si niende ninunue nguo
18:05alafu niende nikatafute mwingine wa
18:07milioni moja unaelewa alafu milioni moja
18:10ikifika itakuwa kidogo asema ah sasa si
18:12niende nikatafute some MP somewhere or
18:15some politician somewhere mwenye yuko na
18:17pesa nyingi mwenye atanipeleka na ndege
18:19hafikirii
18:21>> hii hela sianze biashara anania niache
18:22hiki kitu
18:25>> huyo hiyo ndio biashara yake haijalishi
18:27how much utaiweka
18:29>> ifanane nzuri
18:32>> you know you should
18:36>> akishapata hiyo 200 ataenda kujinunulia
18:38nguo unafikiri atataka tena kwenda ku
18:41atoke hapo aende akafungue biashara ya
18:43kufanya hawing ndio ajibuild anaona this
18:46hii ngazi ni rahisi kupanda
18:48>> kushinda hii ya kwenda kutafuta kutafuta
18:51bidhaa za kuuza nita nitafute client
18:54nitalipa kodi na nini unaona hii ni
18:56haraka haraka biashara hiyo ni kama
18:58biashara
18:58>> hiyo ni biashara kuna biashara kuna wale
19:01ambao watakaa
19:03>> wataenda mahali tunawajua tu hao
19:05wanakuanga mahali fulani ukienda pale
19:06wanaume wakitaka wanaenda pale
19:07wanawachukua wanaenda kuna hao na kuna
19:10wale smart yaani wako na grades
19:12[kicheko]
19:13>> unaelewa
19:14>> kuna wale ambao wako ndio hao wewe nenda
19:17tu tafuta vaa vizuri eh hakikisha uko
19:21smelling good M do man ni hiyo biashara
19:25tu. ni hiyo
19:26>> what
19:28>> so okay it's
19:31>> okay just no you [kusafisha koo] know
19:32I'm just like reflecting buse una the
19:35bababa thing
19:37>> it starts as early as campus
19:39>> m yeah
19:40>> unapata mtu mtoto wa university
19:43>> ako na ako na gari
19:45>> mh
19:45>> ako na ako na sijui anaishi kwa
19:47apartment
19:48>> m
19:50>> but nimela flight
19:51>> booking flights
19:53>> so kwa nje unaweza ona it's a very rosy
19:55picture lakini what I'm getting is it's
19:58a trap because
20:00discipline what makes you teaches you to
20:03keep money you don't get that character
20:06buse money is a behavi behavioral
20:09um
20:10>> it's behavioral it's your behavioral
20:13skill yeah that will make you keep the
20:16money but if you don't have the
20:17behaviorial skill you keep spending and
20:19going back to the same cycle same cycle
20:22>> alafu unajua pesa pia ina nguvu yake mh
20:24>> ukiwa nayo unaweza jisau haraka sana
20:27>> inakuongelesha
20:28>> ah pesa inaongea na inaongea vizuri.
20:32[kicheko]
20:32>> Eh inaongea vizuri kwa sababu iko. Eh
20:35>> kwa hiyo unatakiwa ndio hiyo discipline
20:37ni kitu cha maana sana
20:39>> kwa sababu pesa itakuambia pesa
20:41itakuonyesha vitu vizuri.
20:43>> Itakuonyesha begi nzuri. Itakuonyesha
20:45nyumba nzuri. Wewe umetoka huko kondelea
20:47unataka kuja kuishi milimani sijui
20:48unataka kuja kuishi kwa apartment. Yaani
20:50pesa inakuambia njoo niko njoo niko
20:54unaelewa m alafu ukishiwa inakuambia
20:57sasa si ulinitumia
20:58>> m
20:58>> umebaki hapo pekee yako
21:00>> buse most of these relationships hata
21:03kuoa tuseme tu ukweli
21:05>> huyo hata kuoa
21:06>> mh
21:07>> ah atakuoa nani alikuambia and na
21:10>> na hao wasichana na hao pia watakuambia
21:12nani alikuambia mimi nataka anioe
21:14>> lakini unajua it's it's as long as
21:17you're young
21:18>> ndio hiyo market ama hiyo biashara
21:19inatrive Mhm.
21:20>> Mh.
21:21>> Hiyo tati za
21:22>> hiyo biashara inaisha fashion inaisha
21:23fashion haraka
21:26haina haina haina matumaini haina
21:29matumaini ya miaka yako ijayo. Ngoja
21:31kitu kimoja unajua ukiwa msichana hivi
21:33hivo vuko eh
21:35>> ukiwa hivo nakuambia mbichi tuseme
21:37mbichi. Eh
21:39>> unajua
21:40>> huamini kama utafikisha miaka 40 ya
21:42>> unaona iko mbali. m
21:44>> unaona iko mbali sana
21:46>> m
21:47>> na wakati huu muda ndio umepewa wa
21:50kujengea miaka 50 kwa sababu haiko mbali
21:52inaonekana iko mbali machoni pa watu
21:55machoni pako kwa sababu wewe ni mdogo
21:57lakini hiyo miaka haiko mbali
22:00>> na ndio utapata mtu mzima atakuweka kwa
22:03apartment
22:05atakununulia chakula
22:06>> atakupa kila kitu unachokihitaj
22:08>> mh
22:09>> m
22:09>> mhm
22:10>> kumbuka unapewa you are not training
22:14yourself
22:15>> to do anything.
22:17This man when you are 30 ataona mtoto wa
22:21miaka 18
22:24hapo. Kwisha wewe kwisha wewe.
22:26>> Ataona mtoto wa miaka 25
22:29>> wewe uko 30 ushaanza kuchakaa. Unaanza
22:31kuchanika.
22:33>> Unanielewa? Tamani yako inarudi chini
22:36>> kwa macho ya huyo huyo mtu.
22:37>> Kwa huyo mtu thamani yako inarudi chini.
22:40>> Kwa hiyo unakuwa wewe mwenyewe hujifunzi
22:43vile ambavyo utajisaidia
22:46baadaye.
22:47>> M
22:48>> kama mtu anajifunza vile anajisaidia
22:50baadaye ni sawa. Lakini watu wengi mara
22:53ngapi mmesikia kuwa mmesikia nadhani
22:56mimi nimeshasikia sijui nyinyi
22:57>> mmesikia mara ngapi celebrity wanatafuta
23:01mchango wachangiwe
23:02>> mara mingi
23:03>> wachangiwe. Hujawai kutana nayo?
23:06>> Nimekutana nayo
23:07>> kwa nini? Na wanashika hela na wanaitwa
23:08mpaka celebrity. M
23:11>> kwa nini wako na hiyo tag? Ina maana
23:13there is time they have the money.
23:15>> M
23:16>> Yeah. Na hawa ni watu wanafanya kazi.
23:18Kumbuka
23:18>> mh
23:19>> wanafanya kazi kuwa where they are
23:22>> m
23:22>> na wakapoteza
23:24mpaka kiasi kwamba labda tatizo
23:26linampata inabidi watu wamchangie.
23:29>> Sasa mara ngapi wewe ambaye umechukuliwa
23:30na mbaba?
23:34>> Mhm.
23:39>> Right. So kile kile napata what I'm
23:43getting is it is easier to thamini to
23:47respect what you your had and money
23:51>> kuliko handouts zile unashinda umepewa
23:53huku pale huku pale handouts
23:56>> haijalishi ni milioni moja
23:58>> ni milioni mbili they are just handouts
24:00m
24:01>> yeah you've not worked for them
24:03>> so you can't even you can't even see
24:06value. hauna value hata kuitumia
24:09wanasemaje?
24:11Ni kama vile unasema ukikuja kuniomba
24:14marashi ju
24:15>> eh utaweka nya utajispray kweli kweli
24:19notuse it's not yours when it's the pain
24:23yes
24:24>> easy come easy go
24:29>> m
24:32[kicheko]
24:34>> no it's like it's really important that
24:36We hear these things because
24:39>> wakati mtu ako hapo ndani haoni haoni
24:42mbele like you said haufikiri kama
24:45utakuwa 50 years one day haufikirii kama
24:48unafikiria ya saa hii unasema yolo you
24:50only live once eh na saa hizi unasema ah
24:53si kesho itajipa si nitapata mwingine
24:56>> lakini you never know huwezi
24:58>> you never know and there are so many
25:00risks and yaani ile kuweka your future
25:02kwa mkono ya mtu
25:04>> m
25:05>> it's risky na hata ni mtu mwenye hujui
25:07haujui. It's risky risky risk.
25:09>> Haya niwape mfano mfano uliye hai
25:12kwanza.
25:13>> Ehe
25:13>> this lady ambaye sitaki kumtaja jina
25:16huyu msichana ambaye alikufa na mimba.
25:19>> Oh tunamjua.
25:20>> Ehe ambaye alikufa na ujauzito.
25:23>> Si alikuwa anapiga picha na mandege.
25:26Alikuwa anapiga picha kwenye mahoteli
25:27nini nini. Alikuwa na kijana. Eh alikuwa
25:31na high profile alikuwa na high profile
25:33now akaja akaaga dunia sindio
25:36>> alivyokufa mliona kwao
25:39>> we niambie si alikuwa si alikuwa na nani
25:42alikuwa anapata hela
25:43>> alikuwa anapewa hela
25:44>> sasa mbona hakutengeneza nyumbani
25:47>> mbona hakutengeneza mahali ambapo
25:49angerudi hata akienda basi
25:51>> m
25:52>> aonekane ni mtu wa
25:53>> alikuwa anaishi high profile but you
25:55know nyumbani ni nyumbani siku moja
25:57utarud
25:58>> mh
25:59>> siku moja utarudi
26:00>> kweli kweli
26:00>> si tunarudi wote kuwasalimia wazazi wetu
26:03is [kusafisha koo]
26:04>> sasa ndio nasema easy come easy go
26:07hakudhamini ya kuwa wacha nianze kama
26:11hakudhamini kuanza kutengeneza mahali
26:13anatoka mpaka kujitengeneza yeye
26:16mwenyewe alidhamini kuvaa alidhamini
26:18kwenda kwenye hoteli nzuri ndio hivy
26:20pesa pesa inaongea inakuambia unaenda
26:22nyumbani kufanya nini hutarudi huko
26:23ushapata
26:25ushapata huko ni nyumbani usipoteze pesa
26:27yako M
26:30>> wewe jjoy. Unapewa hii umeshaipangia.
26:33>> M
26:34>> unapewa hii ushaipangia. Unapewa hii
26:36ushaipangia.
26:36>> Na seizo inakata kidogo
26:37>> inakata.
26:39Mh.
26:41Sasa what would you advise? Huyo
26:44msichana L anakuona na anasema eh
26:47>> naskia kitu unasema lakini tayari niko
26:50hapo
26:52naweza naweza what can I do to change
26:55and make now nisiend up kwa hiyo
26:58statistic wenye wanabaki sawa
27:00wamedhaifika nimekusikia
27:03>> sasa naweza fanya nini ukiongelesha
27:06msichana unaweza mwambia nini
27:07>> kujitoa
27:08>> m
27:08>> wasichana kuna kazi [kusafisha koo] M
27:10>> kuna kazi ambazo usichague kazi
27:12>> m
27:13>> m kwanza usichague kazi
27:15>> okay
27:15>> ukichagua kazi hakuna mahali utaenda
27:17wanasemaje achaguaye jembe sio
27:19>> mkulima
27:20>> m
27:21>> sasa usichague kazi na watoto yaani it's
27:24very sad like the gnz watoto wetu wa
27:26sasa hivi sio kama sisi venye tulilelewa
27:30unaona sisi tulilelewa tofauti
27:32>> kwa hiyo
27:33>> kwanza msichana asichague kazi
27:35>> okay
27:35>> usidharau shilingi 500 unayotengeneza
27:38>> shilingi 1000 unayetengeneza usidharau.
27:42M
27:42>> mimi nilianzia hapo katika kutengeneza
27:44shilingi 1000 kwanza nilikuwa
27:45natengeneza wewe unasema nini 100
27:49unauza 100 naona kama nimeuza 10,000
27:52>> you know na ilikuwa nika shilingi 100
27:54nguo zilikuwa bei rahisi tunaenda Mtumba
27:56tunachagua chagua ah tunakaa poa
27:58jumapili tukienda kanisani tunakaa
28:00vizuri unaona
28:02>> hivo hivo hivo hivo nikaanza kukua
28:05nikaanza kukua nikaanza kukua kwa sababu
28:07gani nilitunza kuanzia pale nilipoanza
28:09na unajua vile nilivyokuwa naendelea
28:11kufanya nilikuwa napata ninapata yaani
28:14ni kama unajitrain
28:17>> unapata training over and over as you go
28:19as you go as you go so anza mahali na
28:23kama umejikuta hapo uko ndani za already
28:26basi labda ufuate hiyo ufuate nani
28:29ufikirie kutoka mh
28:31>> usifikirie kukaa pale for long unaona
28:34>> fikiria kutoka
28:36>> mh
28:36>> kwa hiyo kile ambacho unakipata
28:39>> jifikirie kufanya kile kitu
28:40unachokipenda enda
28:41>> m
28:42>> like huyu mtu hata kwanza biblia inasema
28:44mtegemeaye mwanadamu alaaniwe
28:45>> m
28:46>> sasa wewe unamtegemea mwanadamu huyo
28:49mbaba ni mwanadamu already unaoperate
28:51katika laana
28:52>> m w
28:54>> eh
28:54>> eh unaoperate katika laana
28:56>> mh
28:57>> ategemee mwanadamu alaaniwe. Mhm.
28:59>> Una katika hiyo hujui kitu chochote
29:01ambacho unatakiwa kufanya. Wewe
29:04unangojea kupewa na pia utadharauliwa.
29:07Wacha nikuambie
29:08>> Mhm.
29:09>> Mwanume hamheshimu mwanamke ambaye hana
29:11hela haki.
29:13Hauna pesa hutapata respect.
29:15>> Mhm.
29:16>> Hautapata respect. Wewe ni ombaomba. ni
29:19vile tu labda hawezi kukuambia
29:21>> kwa nini umtegemee mh
29:25kwa nini umtegemee mwanadamu
29:26>> lakini wana wengine wanasema aliniambia
29:28nikae na yeye atanichunga
29:31>> m
29:31>> m
29:32>> m atakuchunga ndio
29:34>> m
29:34>> lakini utanyauka kama wa rose flower
29:38>> m
29:38>> eh alafu atamtafuta mwingine na
29:40atamwambia vile vile anavyokuambia wewe
29:43>> what makes you think you're above the
29:45program [kicheko]
29:47yeah
29:47>> alafu Ubaya ni kwamba baada ya hapo yote
29:51wanarudi
29:52kwa hao hao watu wao wake zao.
29:55>> M
29:57>> eh that's a reality that most people
29:58don't know.
29:59>> They don't know till it happens.
30:03Ladies and gentlemen, ladies and
30:04gentlemen, the
30:06>> the conversation is hot. M what we just
30:08trying to say is wealth, building wealth
30:11or financial literacy is more than
30:13theory. M
30:15>> it's what it's who you are.
30:18>> It's who you are.
30:18>> When you when you when you work towards
30:20something, success is not an event.
30:23>> M doesn't happen once.
30:24>> Yeah. Success is the daily habits that
30:27you have every day.
30:28>> That is what makes you successful.
30:30behavioral skills that is skills. If you
30:32want to be successful at finances there
30:35are certain behavi behaviors that you
30:37have you should have you must have na
30:39hizo behaviors lazima ujitrain kama
30:41hukuwa nayo lazima ujitrain to do those
30:44things right
30:46>> na
30:47>> and that is why
30:49>> shortcuts ni long cut
30:50>> ni long cut
30:51>> m
30:52>> because ina
30:53>> utakwama
30:54>> utakwama
30:55>> right and we not wenye wana if you are
30:57in that situation we not trying to judge
30:58you all we are trying to say is
31:00>> hebu fungua akili
31:02>> akili Fungua macho.
31:03>> Fungua macho.
31:04>> Exactly.
31:05>> Fungua macho.
31:07>> Even the rich people si eti wako na one
31:09stream of income. Tuseme sasa labda ni
31:10biashara.
31:12That is one stream of
31:14ikikatika
31:16>> hauna mahali pa kwenda.
31:18>> M right.
31:19>> So that's the conversation we are having
31:20today. And and I'm learning I'm learning
31:23a lot. I'm learning that more than that
31:26money that quick fix you need that
31:28training hiyo discipline
31:30>> ya kujifunza kuweka kuweka buse kweli
31:33kama huwezi weka 20 bob what makes you
31:35think utaweka 200,000 utaweka
31:38>> ina maana hata ukiwa na shilingi 10,000
31:40yenye unatakiwa kuweka ni zaidi ya
31:42unayotumia
31:43>> m
31:44>> na unatakiwa kuiweka constantly and for
31:48a long time
31:50>> hutakiwi kuiweka tu kwa mwaka moja
31:53unaiweka kila wakati kwa muda mrefu.
31:58>> Patience.
31:59>> Patience.
32:00>> Kwa hiyo inataka patience ni something
32:02unagrow nayo everyday.
32:04>> Eh kuna vitu utajinyima. kuna vitu
32:07utasema ah in fact kwanza mimi nilikuwa
32:10mimi napenda napenda kuvaa
32:12>> kwa hiyo kitu nilikuwa napatanga
32:14nijitrain sana ni hiyo challenge kwa
32:17sababu sisi wanawake uko na viatu 10
32:21>> hata i wanted to ask a question on that
32:23we are living in a consum wanasema
32:26consumerism time where
32:29>> everything yaani social media hata saa
32:32hizi tu nikifungua tu simu kuingia tu
32:33hivi kibeti ingine imeweza
32:36Yaani inaniita
32:39unaona mpaka unakosa usingizi mimi
32:40nilikuwanga mpaka silali
32:43mimi nilikuwanga silali nafikiria tu top
32:45niliona
32:46>> nikiingia kwa botique ninaona top jamani
32:48ninajiambia ninasema niko discipline
32:50sininunu
32:52>> lakini itanitorcha nikirudi nyumbani
32:54kama sijaichukua
32:55>> w
32:56>> it will torture you just want it unaona
33:00>> so unatakiwa pia kuna vitu vingine
33:02utajiambia jamani una vibeti 10 uko na
33:05vibeti
33:06Mh.
33:06>> Bado kuna kingine kinakuita unaenda
33:08unakinunua unaweka. Jamani hivi vibeti
33:10hivi vipochi havikuingizii pesa ujue
33:14>> m
33:14>> havikuingizii pesa
33:17hizi hivi viatu havikuingizii pesa alafu
33:20unakuta kiatu chenyewe high heill
33:22>> m
33:22>> unaivaa labda mara moja kwa ama mara
33:25mbili kwa wiki
33:26>> alafu umeiweka
33:27>> alafu umeiweka tu most of the time
33:29imekaa more than the way you are using
33:31it m
33:32>> what if that was your money inside the
33:34bank or inside the somewhere unajua siku
33:36hizi watu hawaweki hawaweki pesa ya
33:38benki siku hizi bana M na wait na wenye
33:41wanasema you know a bug is an investment
33:43a good cloth is an investment hebu
33:46ongelesha watu
33:47>> hao wanafanya investment ni wale ambao
33:49wanaambiwa ho hiyo kitu vaa hivi fanya
33:52hivi uonekane hivi hiyo ni investment
33:54kwa sababu hiyo ni biashara unaelewa
33:57[kicheko]
33:57hiyo ni kazi kwa sababu ana nani ana
34:00target yake unaelewa lakini mtu kama
34:02mimi mimi ni mama
34:03>> mimi ni mk
34:05>> nitaweka pale kiatu nakivaa mara moja
34:07kwa wiki mbili
34:09Ah hiyo pesa nimefanyia kitu cha maana
34:11sana nayo. So you need you need you need
34:14to look at you need to have the things
34:15you need.
34:16>> Yes.
34:17>> Right.
34:18>> And know to discipline the things you
34:20want. You
34:21>> unafaa kujua nini nahitaji nini sihitaji
34:24vile
34:26delayed gratification.
34:29>> Sii sitapata sitapata hiyo begi nzuri
34:31utapata.
34:33Wacha nieke hii pesa kwanza
34:36nikikomaa
34:38kifedha then nitaipata.
34:41>> Unajua unatakiwa upike mahali ambapo
34:43unataka kwenda unataka kwenda Dubai
34:46you just take a flight.
34:48>> M
34:48>> m
34:48>> you don't
34:50>> sasa acha nichange acha nisave wacha
34:52Mungu afungue
34:55breakthrough. Hakuna cha breakthrough.
34:58Pesa inataka ufanye kazi. Hakuna pesa
35:00unapata kwa maombi.
35:01>> Eh
35:01>> kweli
35:02>> hakuna pesa unapata kwa maombi.
35:03>> Tukiambiwa receive wewe unambiwa
35:06receive what?
35:07>> Miracle money.
35:08>> Eh hakuna miracle. Hiyo ni uongo
35:10tumeambiwa kanisani for the longest.
35:13Ndio. Kuna wakati Mungu anashow
35:16>> unique way.
35:17>> Unique way. I'm not saying that God does
35:18not do that. He does that.
35:21>> But si kitu ati utategemea sasa as mpaka
35:24no bwana. Pesa inapatikana kwa kufanya
35:26kazi. M
35:27>> amka nenda kazini usiamke nenda kwenda
35:30mlimani kuomba.
35:31>> Utaamka utaenda mlimani utaomba
35:34utang'atwa na mbu utarudi hapa na
35:36malaria [kicheko]
35:38na bado utakuwa unahitaji pesa
35:40kukupeleka hospitali. Huo ndio ukweli wa
35:42mambo. Ah
35:43>> na hiyo ndio
35:45>> angalia hata ndugu zetu wahindi jamani
35:47wahindi wanaenda kazini kuanzia saa 2:00
35:50mpaka saa 11. Kila siku
35:53>> kila siku
35:55wanafanya kazi. Mhm.
35:57>> Na mamiungu yao wanaiombea huko huko
35:59kazini. M
36:00>> wewe unaenda unaenda mlimani yes
36:02ukiingia kwenye duka la mwindi Mungu
36:04wake yuko pale
36:05>> m
36:06>> ataenda kumpa maziwa atamwagia maziwa
36:09atamwagia pilipili sijui nini [kicheko]
36:12unajua atampa hivyo vitu vyote akule
36:15kwanza ni pilipili [kicheko]
36:20>> mungu afel kidogo
36:23>> achangamke unaona kwa hiyo mungu wake
36:26yuko pale
36:27>> ehe
36:27>> ako naye
36:28>> yeah Oh wow.
36:29>> Kazini
36:31>> anafanya kazi anatengeneza pesa na Mungu
36:33wake yuko pale.
36:35>> Wewe uko kanisani unaambiwa receive
36:38receive receive. Ukitoka hapo umereceive
36:41a lot of air. Umerudi nyumbani mtoto
36:43analia anataka chakula anataka school
36:45feees. Anataka kitu fulani unashindwa.
36:47Na ile yenye ulikuwa nayo pia umetoa
36:49umepeana imebaki pale.
36:50>> Eh unaambiwa nenda nenda mountain.
36:53Nadhani kuna mtu sijui anakufanyia nini.
36:54Nenda mountain. Unaenda mountain.
36:56ukirudi umechoka uko na umekatwa na
36:58mng'atwa na moskito uko na malaria
37:02unataka tena jirani akusaidie hela ili
37:04uende hospitali
37:06watu wafanye kazi
37:09toka uza nenda kibuye uza tafuta
37:11biashara fanya biashara tembea
37:13jishughulishe
37:14>> alafu uone kama mungu hatakubariki kwa
37:17hicho unachokifanya
37:18>> m
37:18>> lazima utaziona baraka kwa sababu
37:21unafanya kazi mh
37:23>> so whether it's small whether you just
37:26fanya just
37:27>> kile unachokipenda angalia kile
37:29unachokipenda kifanye.
37:31>> Mh.
37:33>> Usikae kusema ninaomba tunaomba we mi
37:36nachukia kitu kinaitwa religion
37:38>> nani? Religion and also this thing that
37:42I waiting for breakthrough.
37:45>> The Lord will see me through this
37:46breakthrough. You are breaking
37:49>> to go where?
37:50>> M
37:51>> Wow. Tuka open doors. Open doors. You
37:55waiting God for open doors. Which door
37:56God is opening?
37:58>> Inarusha mawe kwa police station. Hapana
38:00hapana [kicheko] hapana hapana hapana
38:02hapana. Wewe jipange.
38:04>> M
38:04>> wewe jipange. Wewe niambie ngoja
38:06nikuambie ngoja niweke hivi.
38:08>> Mh.
38:09>> Unajua itakuwa Mungu kwanza atakuwa
38:11hayuko fair. Kwa sababu kuna mtu anaamka
38:13saa 11
38:14>> anaenda baharini kukaa kwenye hii bahari
38:17akivua samakiuka
38:19>> ili apate nini? Apate hela yake kila
38:21siku.
38:22apate hela yake ya kila siku. Alafu wewe
38:24umeenda tu mlimani eti unaenda na
38:27unapata hela. Si watu wote tungeenda
38:28tungekutananga mlimani tukitafuta hela
38:30kwa sababu kila mtu anaamka asubuhi
38:31kutafuta pesa.
38:33>> Kila mtu anaamka asubuhi kutafuta pesa.
38:34>> M
38:35>> sasa wewe niambie kama ingekuwa
38:36inapatikana mlimani wewe unafikiri
38:38kungekuwa na milima hapa nje? Milima
38:40yote ingekuwa iko taken?
38:42>> True.
38:42>> Mh.
38:43>> Kwa sababu huko ndio pesa inapatikana. M
38:45>> na Mungu hatakuwa fair ikiwa kuna mtu
38:46aliamka saa 11 kwenda kufanya kazi
38:48anang'atwa na mbu baharini akitafuta
38:50samaki ili aende auze alishe watoto wake
38:52na wewe umetoka eti umeenda umepiga pale
38:54magoti umepata pesa na yule amepata he
38:56will not be a fair god
38:58>> eh
38:59>> so tufungue akilifungue
39:02akili na tufungueni macho opportunities
39:04zikitokea
39:07good opportunitiesi opportunities ya
39:09wababa good opportun
39:11>> wachana na biashara ya biashara wachana
39:13nayo wachana nayo
39:15hiyo nayo tutaisema hata kama hata kama
39:17itawa wengine lakini tutasema tutasema
39:21tu kuna yule atayukua kuna yule
39:23atakayeacha it's okay it's not bad but
39:26the truth will be spoken
39:27>> truth will always be the truth to never
39:29chang the truth is the truth right m
39:33>> jifunze train yourself train yourself
39:36tengeneza pesa
39:37>> okay okay
39:39>> so um
39:42I have a question when comes to making
39:44money. Is it about working hard or
39:47working smart?
39:49>> Or is it both?
39:50>> Or is it both?
39:51>> It's both.
39:52>> Okay.
39:54Expound hebu ju expound.
39:57>> Unajua mara nyingi
40:00>> katika biashara siku zingine kuna zile
40:01siku ambazo hata hutaki kuamka.
40:04>> M
40:04>> ziko hizo siku. You don't feel like
40:05going anywhere.
40:06>> M
40:07>> unaona tu hii pesa ah
40:09>> natafuta my. Kuna ile kuna wakati pia
40:12kwenye biashara unakuta hakuna hakuna
40:15biashara
40:16>> m
40:17>> lazima ukuweko lazima ukuwe unakuta kuna
40:19season kuna biashara na kuna season
40:21hakuna biashara
40:22>> mh
40:23>> you have to keep going
40:25>> you don't stop you keep pushing
40:29>> mh
40:29>> na ndio unaweza nani kuna work smart in
40:33this sense wakati kuna biashara
40:35>> mh
40:36>> pangilia mipango yako kwa wakati ambao
40:39hauna biashara
40:41Ah so you just don't plan like in your
40:45life. You also plan in your
40:47>> smartness is planning planning. It's
40:49>> planning that is being smart.
40:51>> A good example is I'd love to cite a
40:53story from the Bible when Joseph was the
40:56king. Was it king? Remember there was a
40:59time drought ilikuwa inakuja but
41:00walikuwa wameanza kuweka preparing for
41:04years ago. Exactly. Exactly.
41:07Mani
41:09wakati ule ambao kuna biashara m
41:12>> lipa lipa kodi yako ya nyumba mbele.
41:16Unaona lipa kodi yako ya nyumba kwa
41:18sababu si umekodisha nyumba labda
41:20unalipa 15,000 unalipa whatever amount
41:24>> yeah whatever amount
41:26>> wakati ule biashara iko nzuri kulipa
41:28kodi za mbele
41:30>> kipindi kile kwa sababu utajua kama wewe
41:31ni mfany biashara utajua kipindi wakati
41:33fulani kuna biashara wakati fulani
41:35hakuna hata biashara ya hoteli
41:37>> imagine watu wanakula everyday lakini
41:39kuna wakati kuna biashara na kuna wakati
41:41hakuna biashara
41:42>> unaelewa so saa ile wakati wa biashara
41:45unak
41:46kujisaidia wakati ule hakuna biashara
41:49pia. Kwa hiyo biashara yako inakuwa iko
41:52constant
41:53>> m
41:54>> na watu wanashindwa huyu hakuna hakuna
41:55biashara hata na analipaje rent
41:58>> m
41:59>> ni kwa sababu amejipanga mbele. That is
42:01the smartness. W
42:04>> you work smart have to work hard.
42:06>> Unaw hard na unajua wakati ule wa
42:09biashara you work so hard.
42:11>> M ni kama wakati wa kupanda.
42:15Wakati wa kuvuna bwana mahindi
42:16yameshakuwa yaani unataka unajua ya ni
42:18yangu yote heka tano
42:21>> hautaku utakuwa unalegea tu unalegea
42:23legea kwenda kuvuna unajua yapo unaelewa
42:25kweli
42:27>> na sharp boys unajua tuko na
42:31[kicheko]
42:32>> tuna shar boys unajua it is very
42:36discouraging sometimes wewe
42:37umeng'ang'ana uko na biashara alfu ehe
42:39unang'ang'ana na makare unang'ang'ana
42:41and then kuna sharp boy tu hapa
42:44Eh amefungua tu
42:46[kicheko]
42:47>> amefungua nini
42:50kushikanisha hiyo sh kwa sisi wakati
42:55na sh
42:57>> wacha nikuambie sha boy ni mwenye sasa
42:58wewe umeng'angana na butik yako let's
43:00say for example we are we we are ladies
43:02we have you have your buti umengang'ana
43:04umestock umeng'ang'ana
43:05>> then sharp boy anakuja ama sharp girl
43:08>> anakuja anafungua boutique anastok in
43:11one setting And then and then and then
43:14all of a sudden like wakati sasa wewe
43:16yako iko chini yeye ndio sasa anaboom.
43:18>> Mhm.
43:19>> Because anashinda tu akileta
43:22anashinda tu akileta. So you get
43:24intimidated unasema eh mimi mbona
43:26ning'ang'ane
43:27na kuna malsals. Eh kuna deals mbona
43:29nisipige deals? Mbona nisicha deals na
43:32>> nisicha deals kama my fellow sharp girls
43:34and sharp boys. Mimi nimeshinda tu hapa
43:36mimi ndio danda nimekaa tu hapa ni kama
43:40working hard working hard. Deals kama
43:42gani?
43:43>> Deal kama gani? Ndio tujue hao mashap
43:44boy wanafanya
43:46>> na mashap girls. usiogope
43:48wewe si unajua
43:49>> ah mi sijui niambie
43:53[kicheko]
43:53sijui
43:54>> like just deals like utapata like most
43:57of them the ones at least like ziko kwa
43:59ziko internet utapata most of them let's
44:02say wamepata mzungu [kusafisha koo]
44:03fulani
44:05>> oh sharp girls
44:06>> sharp boys ama sharp boys yeah they've
44:09scammed somebody for 100 m they scamed
44:12somebody for 50 million right ama
44:15unapata unapata Ninio mtu tu ameweka
44:18buti just for the sake
44:21>> na chini ya maji anafanya biashara the
44:23illegal kind of eh ana nini anaekea watu
44:28anafichia watu mavitu vifaa fing smart
44:32>> eh ndio nasema yeah this like si mtu
44:34anasema si I'm working smart
44:36>> si ndio hii mungu amenipea shortcut
44:40>> mbona mimi nikuwe danda niwache hii
44:42shortcut no you are a thief [kicheko]
44:44you are a thief pleas Please please ndio
44:47wacheni kuinani sugar
44:50>> mnaia jina tam
44:53sh [kicheko]
44:55>> wewe ni muiz
44:56>> wewe ni mwizi tu tofauti yako hauna
44:59bunduki pekee yake m
45:02>> wewe ni mwizi
45:03>> m
45:03>> yeah wewe concentrate kwa kazi yako kwa
45:05nini uangalie mwenzako anafanya nini
45:07>> kama hiyo kazi yako inakupa kodi hiyo
45:09kazi yako inakulipia school fees hiyo
45:11kazi yako inakuvisha hiyo kazi yako
45:13inakufanyia nini wewe unahangaika nini
45:15na chenye yeye anafanya hata kama
45:16amesimamisha Mercedes Benz mwacha
45:19asimamishe na ushap boy wake
45:20>> m
45:21>> jiel
45:21>> wewe concentrate umeenda pale
45:24>> kufanya biashara
45:26>> kuna mahali unaenda
45:28>> okay focus on
45:29>> sharp boy atakufanya utoke katika goli
45:32yako
45:33>> kwa sababu utakuwa umetoa focus nao
45:35unaanza kufukuza sharp boy
45:37>> kwa nini huyu anauza huyu na anafanya
45:40nini oh ako online sana let me get let
45:43me get online M ana nani? Anaendanga
45:47wakati wa soko anaenda kuuza vitu vyake
45:49wakati wa Let me do that yeah but
45:52usiseme tunataka kuchukua shortcut. M
45:55>> so copy good strategy.
45:56>> Yeah copy good. Of course hata mimi
45:59kabla sijaanza biashara nilicopy. Kila
46:02mtu anacopy ama you can find what you
46:05love from someone else.
46:07>> It doesn't mean unamnyanganya biashara
46:09yake. Unaweza itoa hapa ukaenda
46:11ukaifungulia sijui Eldoret. Mhm.
46:13>> Eh.
46:14>> Lakini uliiona wapi? Uliiona labda
46:16Nairobi ama uliona Mombasa? Mh.
46:19>> So copy good strategy but us don't lose
46:21yourself.
46:23Usifuate shortcut. Usifuate shortcut
46:25because watu wanafanya wanafuata short.
46:26>> Hi umetoa focus yako sasa umeanza nataka
46:28gari kama lake nataka. Na wewe ulikuwa
46:30unasema unaenda pale
46:32>> unataka kununua kiwanja chako ujenge
46:33nyumba.
46:34>> M
46:34>> unaelewa? Ulikuwa unataka kununua
46:35kiwanja chako ujenge nyumba. Sasa shab
46:38amekukujia na amekukujia na jeep. Eh
46:42amekuja amepak jeep hapo
46:44>> kwa sasa hii ni GL masamuona
46:46hapo unamuona huyu tulianza na yeye tu
46:48hapa tukisota jasho hapa [kicheko] leo
46:51ako na nani eh ukienda anakuambia ah
46:54bwana ni hivi na hivi na hivi ni hivi na
46:56hivi na hivi sasa unaanza kutoka
46:58>> m kwa
46:59>> nilikuwa nataka plot sasa unaacha plot
47:01unaenda kununua
47:03>> mh
47:03>> jeep kamtumba kajip
47:05>> m kamtumba
47:06>> hiyo gari inataka maintenance inataka
47:09mafuta kwa hiyo ile hela yako ambayo
47:11ungekuwa unategemea kwenda pale
47:13umeshaidi sasa inaenda hapa ndio
47:16uonekane na wewe pia ni sharp girl
47:18[kicheko]
47:21>> we miaka itakuchosha
47:23>> utajikuta kesho kesho kuta uko na 50
47:26kama sisi tunataka kupanda fifth floor
47:29>> eh utajipata hapo unasema tu hey what
47:31happened
47:32>> where was i
47:33>> no
47:34>> wow so with time those things don't
47:36matter they don't matter
47:38>> they don't wacha nikuambie there is
47:39nothing beautiful like when you are in
47:41my age right now and you just want to
47:43take a flight and go anywhere and you
47:45don't budget you unasema okay I'll take
47:47it from that account it's okay
47:49>> that account take
47:51>> financial freedom that is what we call
47:53eh si we unasema sasa nataka kwenda
47:56sijui kununua nini wacha nitashika hawa
47:57ni wababa wangapi wababa watano by then
48:01somebody who was used to say that unafaa
48:03kuwa na baba wa rent wa wa nini wa m
48:09biashara
48:11that is a lot of work
48:13>> it's a lot of work so wewe unapiganga
48:16bajeti zako unapigia mifuko ya watu
48:18>> m na pia anaweza kataa
48:19>> na pia anaweza [kusafisha koo] kataa by
48:20the way ama anaweza kukuambia baadaye
48:24next week
48:25>> and you see that's that's the thing
48:27that's the thing about putting your your
48:29finances on somebody else's else's hands
48:32right it's literally like is it
48:34sabotaging your future like you're
48:36playing around with your future right ni
48:38kama umechukua maisha Maisha yako mzima
48:40umeiwekelea kwa mkono ya mtu and
48:42expecting itently beautifully.
48:46It can't
48:47>> it can't unakuwa na ile freedom yenye
48:49you want to do something you
48:50[kusafisha koo] don't have even to go to
48:51your husband.
48:53kesho let's go to Mombasa for two days
48:58>> anakambia eh babe
49:01no don't worry it's my ticket there's
49:04some in a woman who has you know your
49:09ticket is ready
49:11you feel good
49:12>> m
49:13>> si kila wakati nipee nipee nipee nipee
49:15nipee even your selfestem
49:17>> sukari nipee atakudharau
49:20>> even your selfestem as a woman imagine
49:25dongo nipe
49:28>> wanaj wanyenyekea buse hakuna hiyo
49:31selfem right
49:33>> i read a book and the book was saying a
49:36man
49:37>> pension um a family might be there for
49:41you in the future but I wouldn't just
49:43count on it
49:44>> right m we're not saying that Namini's
49:46husband does not have maybe Nam husband
49:49has money maybe my fisher husband has
49:52Maybe your husband has money is not
49:54about them not about you.
49:57>> Without anybody else are you financially
50:00free? Do you can you be independent?
50:03>> Yeah. And most women most women are most
50:06women are going under because they don't
50:09have that independence.
50:10>> Unaona
50:12tumemtegemea Bwana katika kila kitu.
50:14umemtegemea mume wako sijui afanye hivi
50:16afanye hivi afanye hivi kwa hiyo yule
50:17mume wako akiondoka tu kid ama akose
50:19kazi familia nzima imeangukaelewa
50:23>> so mwanamke unatakiwa uwe na kazi yako
50:25uwe na pesa zako ambazo uwe na pesa
50:28tuseme tuseme uwe na pesa tuseme usiwe
50:30na pesa zako kwa sababu ni kwa sababu ya
50:32familia yako. Unaelewa? Siku ile mume
50:34wako kesho kesho kutwa labda hana kazi
50:37>> wewe pale alipokuwa anakuinua na wewe
50:38unajaribu kumuinua ina maana watoto
50:41wanaendelea kwenda shule kama kawaida.
50:43Sio baba amekosa kazi mtoto sasa alikuwa
50:45anasoma international ama mtoto alikuwa
50:46anasoma tu a good school anaenda
50:49anapelekwa kwa shule ingine yenye hata
50:51hajielewi kwa hiyo kunakuwa na confusion
50:52in the whole family.
50:54>> And this has wanawake wengi wameingia
50:56into depression only because you find
50:58the husband now amekuacha. M
51:01>> ameenda
51:02>> unaskia
51:03>> amekuacha na ulikuwa unamtegemea kila
51:05kitu mh
51:06>> akatoka akaenda kwa hiyo unapata
51:09mwanamke ako na despression because now
51:10hajui afanye nini rent atalipaje watoto
51:13watakulaje na unajua mtu akiamwaga
51:15kwenda anaendanga kule ndio anapenda
51:17sasa
51:17>> kule ndio macho yake anaona
51:20>> yaani ya kusikia anaweza acha tu kwani
51:21hamjaskia wanaume wameacha watoto wao
51:23wengi wameacha watoto wao na unakuta
51:25wanawake wanafall into depression
51:26because they don't have ngoja nikuambie
51:29>> ah mwanamke mke ambaye ana hela na
51:31mwanamke ambaye hana pesa wakichapwa hao
51:33wanawake wawili wakichapwa character
51:35development atayeumia zaidi ni yule hana
51:37pesa
51:37>> kweli
51:38>> kweli
51:39>> huyo ndio ataumia zaidi
51:41>> kuna mwenye atalilia kwa choo na kuna
51:43mwenye ataenda kuthink
51:45>> ataenda tu akeshe analia akikunywa
51:48[kicheko] kasip kaglass of w
51:51>> eh unaona so
51:54ina slap differently
51:56>> ndio unapata wengine wanafall into
51:57depression because akiangalia mbele
51:59nyuma ni yeye na bwanake walikuwa m
52:02>> hana kitu chochote cha kumsaidia so the
52:04guy is not there anymore. What happens?
52:07>> Tuweke pause hapo tumefika tamati ya hii
52:11conversation but of course we relax
52:15relax relax
52:19>> what we are about to do right. Yeah. So
52:22the conversation bado inaendelea.
52:24Hatujamaliza. Hatujamaliza guys. Um that
52:28was it from me your host for today and
52:30always ke [kicheko]
52:34>> na kama kawa your host also
52:37>> Faith Baraka
52:39>> and our guest would you give us a
52:41parting shot even as you
52:44>> work smart have money
52:45>> have money
52:46>> have money
52:47>> m
52:48>> inafanya roho inatulia
52:50>> when you have money
52:51>> work smart have money ladies and
52:54gentlemen that was it for us see you
52:56next Bye in the next episode
52:59bye
53:01[muziki]
53:09[muziki]
53:17[muziki]
53:24Yeah.

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