If you're self-employed

Without a payslip, no one saves for retirement on your behalf, so make it automatic:

• Open a personal pension plan that accepts small, flexible contributions, including by M-Pesa.
• Set a fixed amount on a fixed day, like rent.
• In good months, put in extra. In slow months, put in a little rather than nothing.
• Keep your retirement money separate from your business money.

Check the fees, how the fund has performed over several years, and the rules for withdrawing early before you choose a plan.