Unapata comrade anakula smocha kila siku badala asave hiyo pesa kwa Money Market Fund(MMF). Ama hutaki kugraduate na over Sh 500k kwa account? –

Financial educator Llewellyn Ouya has sparked an online conversation after advising university students to rethink their daily spending habits and start investing early.

In a viral post, Ouya humorously pointed out how many comrades waste money on snacks like smocha (smokie-chapati) instead of saving or investing in a Money Market Fund (MMF).

“Unapata comrade anakula smocha kila siku badala asave hiyo pesa kwa Money Market Fund. Ama hutaki kugraduate na over Sh500k kwa account?” he posed.

He then broke down the math: “Smocha kila siku ya Sh70 for around 30 days ni Sh2,100. Ongeza Sh3,000 ya kubuy county for the whole three months — hiyo ni Sh5,100. Hii pesa at 12 percent for six years itakupatia over Sh500,000. Nimeeka six years juu mtu anakula smocha na county daily hatagraduate na four years.”

His witty financial lesson drew laughter and applause online, with many admitting they had never looked at small daily expenses from an investment perspective. Ouya urged students to adopt a saving culture early, reminding them that wealth starts with discipline and small, consistent choices.