[msema ukweli Kabisa]

Swahili good job. I save 30% of my income and how I manage that is just a simple trick. I budget every little cent that I spend. I know where the money is going, where it went and where it will go in the future.

I also max out my 401k. I have my child education plan too (no kids yet) but most important I have an account in Kenya that I regularly deposit money which I never touch.

With that said I did not understand a single word AM Nafusi said up there. What is she saying. Ati she saves my giving money to friends?