25/03/2026
*WHY DO MANY PEOPLE START INVESTING TOO LATE?*
Most of us don’t start investing when we are young.
We start when our hairline starts retreating and responsibilities start advancing.
When we are young, investing feels like something for “future us.”
Right now we want enjoyment, comfort, and a little bit of showing life is moving.
I remember a friend of mine who started working immediately after campus. Every month he said the same thing:
"Nitaanza kuinvest next year when things stabilize."
Next year came.
But things did not stabilize.
Rent increased.
Family responsibilities increased.
Lifestyle increased.
But investments never started.
Ten years later he looked at his payslip and said something painful:
"I have worked for a decade… but my money has never worked for me."
And honestly, this is the trap many people fall into.
We delay investing because of several reasons:
1. We think investing requires a lot of money.
So we wait until we have “extra money.”
The problem? Extra money rarely comes.
2. We believe we still have time.
Youth tricks us into thinking time is unlimited.
3. We prioritize lifestyle before assets.
A new phone feels urgent.
Investments feel optional.
4. Nobody taught us early enough.
In school we learned algebra and geography.
But nobody taught us how money grows.
Now here is the painful truth.
The biggest advantage in investing is not money.
It is time.
Someone who invests small amounts for 20 years will usually beat someone who starts big but late.
Starting late means: • You have less time for compounding
• You must invest larger amounts
• Financial pressure becomes higher
But here is the good news.
The best time to start investing was 10 years ago.
The second best time is today.
Even if it is KSh 1,000.
Even if it is one share.
Even if it is a small money market fund.
Start.
Because the biggest financial regret many people have is not losing money in investments.
It is never starting at all.
If you could go back in time, at what age would you start investing?
Let’s talk in the comments.
