Retirement feels far away, but time is your biggest advantage. Money you save in your twenties and thirties has decades to grow, and growth on growth (compounding) does most of the work.
A rough example: saving KES 2,000 a month for 30 years at about 10% a year could grow to more than KES 4 million. Starting ten years later with the same amount ends up with far less than half of that.
Many Kenyans plan to rely on children, land or a business in old age. Those can help, but a dedicated retirement pot means you stay independent.
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