From sourcing Mitumba in Kawangware to owning a Luxe Kenyan fashion brand | Scovia Miruka

What does it really take to build a fashion brand in Kenya when local work is rarely valued at premium price? Scovia Miruka, founder and creative director of Hawi RWT (read to wear), shares her raw money journey shaped by loss ambition and ownership from selling second hand clothes to pay her school fees to leaving a stable job and pricing a dress at KES 10,000 that changed everything.She reflects on grief, early financial responsibility the limits of salaried work and the real cost of making clothes locally,while unpacking the mindset shift required to believe Kenyan made brands can compete globally. ----------------------------------------------------------------------------------------------------------------------------------------------------------------- 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 ----------------------------------------------------------------------------------------------------------------------------------------------------------------- 00:00 Introduction and the First Lessons About Money Scovia Miruka opens up about her earliest understanding of money, growing up in Kenya where locally made products are often undervalued, and the childhood moment that shaped her relationship with ambition and financial effort. 01:00 Loss Responsibility and Learning to Earn Early Following her father’s passing, Scovia is forced into financial independence, selling second hand clothes to fund her education and discovering her ability to create value from very little. 02:00 Entering the Conversation About Money A candid start to the interview where Scovia admits discomfort around discussing income and finances, setting the tone for an unusually honest conversation. 03:30 Family Christmas Memories and Early Markers of Stability Reflections on home, tradition, and the subtle ways comfort and lack shaped her expectations around money and giving. 05:10 Wins Regrets and Hard Lessons in Business From recovering stolen business money to choosing fashion over content creation, Scovia reflects on decisions that tested her resolve and sharpened her focus. 06:30 Choosing Fashion Over Influence Why brand deals were never enough and how Hawi read to wear revealed a path with scale ownership and long term potential. 07:40 Childhood Environment and Class Awareness Growing up between abundance and limitation, and the early awareness of wealth gaps that quietly fueled her drive. 12:20 High School Awakening and the Hunger for More At Pangani Girls, exposure to privilege reframes her understanding of wealth and ignites a deeper determination to change her future. 17:20 University Dreams Interrupted by Grief Missing medicine by one point, navigating loss, and entering adulthood under financial strain while holding on to resilience. 21:30 Entrepreneurship Born Out of Necessity How selling clothes during university became a survival strategy that paid fees and built confidence. 24:40 First Paid Internship and Reinvesting Early Income Earning her first consistent income and learning to recycle money back into her hustle. 28:30 Employment Comfort and the Ceiling of Salaries Five years in corporate communications, growing online influence, and the quiet frustration of capped income. 32:40 Walking Away Without a Perfect Plan Leaving employment with uncertainty, faith in herself, and content creation as a safety net. 36:40 Building Hawi read to wear From the Ground Up From a mabati house to a tailoring partnership, the unglamorous beginnings of a fashion brand. 40:40 Growth Pains Systems and Learning the Business Scaling orders, hiring help, working from Nairobi Textiles, and learning every layer of production. 45:50 Education Business Systems and Financial Discipline Why creativity alone is not enough and the importance of structure pricing and financial literacy. 54:40 The Pricing Shift That Changed Everything The day a ten thousand shilling dress sold fifteen times and dismantled a long held belief about Kenyan buyers. 56:50 Redefining Success and Looking Toward 2026 Wealth beyond the business, investments, systems, and a vision for global expansion. 57:50 Closing Reflections A grounded ending on money growth grief and building something lasting from Kenya to the world.