What’s Sabotaging Your Wealth in Kenya - And It’s Not What You Think

This episode is brought to you in partnership with I&M Capital. Portfolio building is one of the most talked-about, least understood topics in personal finance. Everyone tells you to "diversify," but nobody tells you where to actually start, or what to do when life, land, love, and inflation get in the way. In this Season 2 closer of the Just Money Podcast, host Just Ivy Africa sits down with Roselyn Wanjiru, Economist, Blockchain Strategy Consultant, and former Forbes contributor, to pull apart Ivy's real personal portfolio and rebuild the blueprint for what a portfolio should look like heading into 2026 and 2027. Roselyn and Ivy break down exactly how everyday Kenyans, not just finance professionals, can start building a portfolio that reflects their real life, their real income, and their real goals. In this conversation we explore: - Why "the individual" is the true starting point of any portfolio, before income or investments - The difference between anxiety and a gut feeling when making financial decisions - Why some people can't tell you where their money went, even after 40 years of working - Real estate vs REITs vs rentals, and why rates in Kenya often sit below inflation - The Principle of One: why chasing too many investments at once keeps you stuck - Alternative assets like whiskey and gold, and when "unconventional" still makes sense - Real world asset tokenization and why land, IP, and credit are about to change - 125 Kenyans holding more wealth than 43 million others, and what that means for you - The hidden things that sabotage wealth building: toxic relationships, wasted time, and self-doubt - Why every investment needs to sit above inflation, or it isn't really working for you Roselyn also walks through her own portfolio breakdown, real estate, offshore stocks and ETFs, business equity, money market funds, and alternative assets, explaining how each piece is meant to serve a real, long-term goal rather than just sit on a spreadsheet. One lesson stands out: your portfolio isn't just numbers. It's your health, your peace, your income, your information, and the people you allow into your life while you build. Whether you're starting from zero, sitting on land you haven't touched in years, or trying to figure out what to do with your first extra shilling, this conversation offers an honest, human roadmap into building wealth without losing yourself in the process. Follow our Host Just Ivy Africa on Socials: Instagram: https://www.instagram.com/just_ivy_africa_ TikTok: https://www.tiktok.com/@just_ivy_africa LinkedIn: https://www.linkedin.com/in/just-ivy-africa Linktree: https://linktr.ee/justivyafrica_ Get in touch with our Guest: Roselyn Wanjiru - Economist, Blockchain Strategy Consultant & Former Forbes Contributor Instagram : https://www.instagram.com/wroselyne_?igsh=bWcwYnYyYXB5bXRu Follow I&M Bank on Socials: Facebook: https://www.facebook.com/imbankke/ X (Twitter): https://twitter.com/imbankke Instagram: https://www.instagram.com/imbankke/ LinkedIn: https://ke.linkedin.com/company/imbankke Customer Journey To get Started with I&M Bank: 1. Go to Play Store or App Store 2. Search for "I&M Bank" 3. Download Stay ahead of everything happening in the economy, powered by The Kenyan Wall Street: https://whatsapp.com/channel/0029Vb6bsWC0rGiScNY6zP47 👉 Subscribe to The Kenyan Wall Street for new episodes every week! 🎧 Listen & Follow Just Money Podcast: YouTube: https://www.youtube.com/@kenyanwallstreet Spotify: Just Money Podcast TikTok: Just Money Podcast X (Twitter): @JustMoneypod Instagram: @JustMoneyPodcast Sponsors: Set Provider: Thank you to Cofisi for providing our beautiful, world-class set, where ideas like this thrive. ⚠️ Disclaimer: This content is for educational purposes only and does not constitute financial advice. Please consult a licensed financial or tax advisor before making investment decisions. ⭐ If you're listening on Apple Podcasts or Spotify, please rate us 5 stars and leave a comment. It genuinely helps the show grow. #JustMoneyPodcast #PortfolioBuilding #IMCapital #PersonalFinanceKenya #WealthBuilding