3 Insurance Products Every Kenyan Should Consider for Financial Security
Health Cover, Life Insurance and Education Insurance: The Protection Most Financial Plans Are Missing
By WithShimami
There is something interesting about the way we talk about financial freedom.
We talk about saving.
We talk about budgeting.
We talk about investing.
We talk about buying land, building houses, starting businesses, contributing to SACCOs and putting money into different investments.
And rightly so.
But there is one part of the financial freedom conversation that we sometimes leave until the end:
What happens if something goes wrong before the plan is complete?
You could spend years building an emergency fund. You could consistently save every month. You could invest for ten years. You could start a successful business. You could pay school fees, buy property and build a comfortable life.
Then one serious illness happens.
Or the person bringing most of the income into the household dies.
Or a parent who had been paying school fees is suddenly no longer there.
And just like that, a family can find itself using the money it had carefully saved and invested simply to survive.
This is why financial planning cannot only be about building wealth.
It must also be about protecting what you are building.
That is where insurance comes in.
And at WithShimami, this is an important part of the financial freedom conversation because financial security is not simply about how much money you accumulate. It is also about how prepared you are when life refuses to follow your plans.
In this article, I want to look at three types of insurance that I believe deserve serious consideration in a Kenyan financial plan:
- Health insurance
- Life insurance
- Education insurance for children
These are not products to buy simply because someone told you that you need insurance.
The better question is:
What financial risk am I trying to protect myself and my family against?
Once you understand that question, insurance starts making much more sense.
Watch the full video here:
Watch: 3 Insurance Products Every Kenyan Should Consider
Financial Freedom Is More Than Saving and Investing
Let's start here.
Imagine two people.
Both earn KSh 100,000 a month.
Both have disciplined budgets.
Both save KSh 20,000 every month.
Both invest consistently.
Both are working towards financial independence.
On paper, they appear to be doing almost exactly the same thing.
But there is one major difference.
Person A has thought about what could happen if they became seriously ill, died prematurely or could no longer provide for their children.
Person B has focused entirely on accumulating assets.
Who has the stronger financial plan?
It is not necessarily the person with more investments.
It is the person who has considered both sides of the equation.
You need a strategy for building wealth.
But you also need a strategy for protecting the wealth you are building.
That is why insurance should not be treated as something completely separate from investing or saving.
It is part of the same conversation.
Think about it this way.
If you are building a house, you don't only think about adding more rooms.
You also think about the foundation.
You think about security.
You think about what happens when there is heavy rain.
You think about maintenance.
Financial planning works in much the same way.
Saving helps you build. Investing helps you grow. Insurance helps protect the plan from risks that could derail it.
And that distinction matters.
1. Health Cover: Because Everything Else Becomes Secondary When You Are Sick
Let's start with health cover.
This may sound obvious, but many people underestimate how quickly a health problem can become a financial problem.
Think about your normal priorities.
You wake up thinking about work.
You think about your business.
You think about school fees.
You think about rent or your mortgage.
You think about your investment portfolio.
You think about the next bill.
But imagine that tomorrow you wake up with a serious medical problem.
Suddenly, those other things move down the priority list.
You are thinking about getting treatment.
You are thinking about finding the right doctor.
You are thinking about whether the hospital will accept your cover.
You are thinking about the cost.
And if you don't have adequate health protection, you may also be thinking:
"How am I going to pay for this?"
That is where the financial danger begins.
A medical emergency doesn't simply affect your health.
It can affect your cash flow, savings, investments, business and family plans.
Imagine someone has spent five years saving KSh 1 million.
They have been disciplined.
They have avoided unnecessary debt.
They have built an investment portfolio.
Then a serious medical situation requires a large amount of money.
Without adequate protection, they may be forced to liquidate investments or use savings that were intended for something completely different.
The money was there.
But the financial plan was not protected.
That is an important distinction.
Your emergency fund and health cover are not the same thing
This is another area where people sometimes get confused.
An emergency fund is important.
But an emergency fund should not necessarily be your health insurance strategy.
Your emergency fund is designed to provide accessible cash for unexpected expenses and interruptions to income.
Insurance, on the other hand, is designed to transfer specific financial risks to an insurer in exchange for a premium, subject to the terms and limits of the policy.
You can need both.
For example, suppose you have KSh 300,000 in an emergency fund.
That sounds reassuring.
But if you suddenly face a medical expense that is substantially higher than that amount, your emergency fund can disappear very quickly.
And once it is gone, you are back to zero.
This is why I often think about financial protection in layers.
Cash reserves give you flexibility. Insurance gives you protection against larger defined risks.
Both have a place.
What Should You Look At Before Choosing Health Cover?
This is where we need to move beyond simply asking:
"How much is the premium?"
Price matters.
But it shouldn't be the only question.
A cheaper policy is not automatically a better policy if it doesn't provide the protection you actually need.
Before choosing health cover, consider things such as:
- What medical expenses are covered?
- What are the limits?
- Which hospitals and healthcare providers are included?
- Are there waiting periods?
- Are pre-existing conditions treated differently?
- Are outpatient services covered?
- Is inpatient treatment covered?
- What maternity benefits are available, if relevant?
- What exclusions apply?
- How does the claims process work?
- Does the cover fit the needs of your dependants?
The objective isn't to find the policy with the longest list of benefits.
It is to find protection that makes sense for your actual life.
A single person in their twenties may have very different needs from a parent with three children.
A self-employed business owner may have different risks from someone with an employer-provided medical scheme.
A family living in Nairobi may make different healthcare choices from a family in another part of the country.
Your insurance should therefore start with your circumstances.
Not somebody else's.
Health Insurance Is About Protecting More Than Your Body
This is something we don't always say loudly enough.
Health insurance can protect your financial plan.
Suppose you are saving towards buying land.
You have KSh 500,000 accumulated.
Then you have a medical emergency costing KSh 350,000.
If you have to pay everything from your savings, you haven't just had a medical problem.
Your land goal has also been affected.
Maybe you postpone the purchase.
Maybe you sell an investment.
Maybe you borrow.
Maybe you stop contributing to your savings for several months while you recover financially.
One event can create a chain reaction.
This is why protection matters.
A financial plan should not collapse because one unexpected event happened.
It should have some resilience built into it.
2. Life Insurance: What Happens to the Financial Plan When You Are No Longer There?
Now let's talk about life insurance.
This is probably one of the most uncomfortable financial conversations.
People don't always like talking about death.
We say things like:
"God forbid."
"Let's not think about those things."
"I'll deal with it later."
And I understand that.
Nobody wants to sit down and imagine their own absence.
But financial planning sometimes requires us to have uncomfortable conversations precisely because we care about the people we leave behind.
If you are responsible for other people financially, your death is not only an emotional event.
It can become a financial event for your family.
Imagine a household where one person provides most of the income.
That income pays:
- Rent or mortgage
- Food
- School fees
- Utilities
- Transport
- Insurance
- Investments
- Family support
- Loan repayments
- Business expenses
Now imagine that income disappears.
The family doesn't stop having expenses because the breadwinner is gone.
The bills continue.
School continues.
The mortgage continues.
Food is still needed.
And there may also be funeral and other immediate expenses.
This is where life insurance can play an important role.
Life Insurance Is Not About Planning for Death
I think this is one of the biggest mindset changes we need to make.
When someone buys life insurance, they are not celebrating death.
They are acknowledging responsibility.
You are essentially saying:
"If I am no longer here to provide financially, I don't want the people who depend on me to be left without a plan."
That is a very different way of looking at insurance.
You aren't buying death.
You are protecting the people and responsibilities that matter to you.
Think about a parent.
They may have spent fifteen years building a business.
They may have paid school fees consistently.
They may have bought a home.
They may have accumulated investments.
But perhaps the business depends heavily on their personal involvement.
If they die unexpectedly, what happens?
Does the business continue?
Can the family maintain the house?
Can the children continue with the same education?
Are there outstanding loans?
Who handles the financial responsibilities?
These are not questions to ask after the tragedy.
They are questions to think about while you are planning.
Life Insurance and the Idea of Legacy
This is where I believe the conversation becomes even more interesting.
Most people think about life insurance in terms of replacement.
How much money does my family need if I die?
That's an important question.
But there is another question:
What am I building that I want to continue?
Maybe it is a business.
Maybe it is property.
Maybe it is an education fund.
Maybe it is an investment portfolio.
Maybe it is simply the ability for your children to continue the life you were working so hard to provide.
That is a legacy conversation.
And legacy is not only for wealthy families.
A person earning KSh 50,000 can have a legacy.
A teacher can have a legacy.
A boda boda operator can have a legacy.
A small-business owner can have a legacy.
A young professional can have a legacy.
Legacy isn't determined only by the size of your bank account.
It is determined by what you intentionally build and what you leave behind.
That is why protection needs to be part of the conversation.
Don't Buy Life Insurance Without Understanding What You Are Buying
There is another important point here.
Not every life insurance policy is the same.
Different products can have different structures, durations, benefits, premiums, exclusions and conditions.
Some policies are primarily designed around protection.
Others may combine protection with savings or investment-related features.
So don't simply hear:
"This is an investment."
and stop asking questions.
Understand what the policy actually does.
Ask:
- What exactly is covered?
- For how long?
- What happens if I stop paying premiums?
- What benefits are guaranteed?
- What benefits are not guaranteed?
- What happens if I surrender the policy?
- What are the exclusions?
- Who are my beneficiaries?
- Can the beneficiaries be updated?
- What happens to the policy if my circumstances change?
This is where professional financial advice can be valuable.
The objective should never be to put someone into a product because the product exists.
The objective should be to understand the person's financial situation and then determine what type of protection makes sense.
Your Life Cover Should Grow With Your Responsibilities
Something else many people forget is that insurance isn't necessarily a set-and-forget decision.
Your life changes.
Your financial responsibilities change.
Maybe you started with no children.
Then you got married.
Then you had your first child.
Then your second.
Maybe you bought a house.
Maybe you took a mortgage.
Maybe your income increased.
Maybe you started a business.
Maybe you became responsible for supporting your parents.
Your financial obligations today may be completely different from what they were five years ago.
That means your protection strategy should also be reviewed periodically.
A young person with minimal responsibilities may need a different level and structure of protection from a parent whose household depends heavily on their income.
This is why financial planning should be treated as a process, not a one-time event.
If you are currently working on building a savings habit, you may also want to read our practical guide on [why paying yourself first can change the way you manage your money]. The principle is simple: don't wait to see what is left at the end of the month before deciding whether to save.
3. Education Insurance: Protecting a Child's Future Before They Can Protect It Themselves
Now we come to the third recommendation:
education insurance or an education-focused financial plan for children.
If you are a parent, this one deserves serious thought.
There is something powerful about education.
You are not simply paying a school bill.
You are giving a child knowledge, skills, exposure and opportunities that can influence the rest of their life.
Most of us can look back and identify teachers, schools, books or educational experiences that changed the way we think.
Education often becomes part of the foundation on which a person builds their future.
But education is also expensive.
And the cost doesn't arrive once.
It comes repeatedly.
Term after term.
Year after year.
And the timing is not always convenient.
You could be doing well financially today and still face difficulties several years from now.
That's why planning for education early can make a significant difference.
Don't Wait Until the School Fees Invoice Arrives
This is where many families get caught.
The child is still five years old.
University seems like a distant problem.
So there is no urgency.
Then suddenly the child is sixteen.
University is around the corner.
And the question becomes:
"Where are we going to get the money?"
That is not the ideal time to start planning.
The better approach is to start while the goal is still far away.
If you know your child will likely need financial support for higher education in the future, you can begin building towards that goal years in advance.
This is where an education policy may form part of a broader education funding strategy.
But again, don't confuse the product with the goal.
The goal is funding your child's education.
The insurance product is one possible tool for helping you pursue that goal.
Your broader plan could potentially include savings, investments and insurance, depending on your circumstances.
Why Starting Early Matters
Let's take a simple example.
Suppose your child is three years old.
You want to create a fund that will help with university expenses when they are eighteen.
You have fifteen years.
That is a completely different situation from discovering the need when your child is seventeen.
Time gives you something incredibly valuable:
room to plan.
You can spread the financial responsibility over many years rather than trying to find a huge amount of money in a short period.
And this principle applies to almost every long-term financial goal.
The earlier you identify the goal, the more options you have.
This is why we consistently talk about planning at WithShimami.
Financial freedom is rarely one giant decision.
It is usually the result of many small decisions made consistently over time.
Education Planning Is Bigger Than School Fees
There is another point parents sometimes miss.
When we say "education," we immediately think about tuition.
But the actual cost of education can include much more.
Think about:
- Tuition
- Books
- Uniforms
- Transport
- Accommodation
- Meals
- Technology
- School trips
- Registration fees
- Learning materials
- Professional courses
- University accommodation
- Other living expenses
The exact expenses will vary from family to family.
That's why education planning should begin with a realistic understanding of what you want to provide.
You don't necessarily need to promise your child that you will pay for everything.
But you should know what you are realistically trying to achieve.
The Bigger Lesson Behind These Three Types of Insurance
At this point, you may be noticing something.
Health cover, life insurance and education insurance appear to be three completely different products.
But underneath them is one common idea:
Protection.
Health cover protects your finances from certain healthcare-related costs.
Life insurance can provide financial support to beneficiaries following the insured person's death, depending on the policy.
Education-focused insurance can help families plan for future education costs while incorporating protection features according to the policy structure.
The common thread is that all three are about thinking ahead.
And thinking ahead is one of the most important habits in personal finance.
The Kenyan Financial Freedom Journey Needs a Protection Layer
There is a particular reason this conversation matters in Kenya.
Many families are building wealth while simultaneously carrying significant responsibilities.
You might be saving for yourself while supporting your parents.
You might be paying school fees for your children while also paying a mortgage.
You might be building a business while helping siblings.
You might be investing while contributing to a chama or SACCO.
You might have several people depending on your income.
That means your financial plan is not operating in isolation.
One financial shock can affect several people.
This is why protection isn't selfish.
In many cases, it is an expression of responsibility.
When you protect yourself financially, you are also reducing the possibility that your financial emergency becomes somebody else's crisis.
Don't Buy Insurance Because Someone Scared You
There is also a wrong way to have this conversation.
"What if you die tomorrow?"
"What if you get sick?"
"What will happen to your children?"
Fear can make people buy things.
But fear isn't a financial plan.
At WithShimami, I would rather approach insurance differently.
Start with your goals.
Then identify the risks that could derail those goals.
Then determine which risks you can handle yourself and which ones may require insurance.
For example:
Goal: Build a KSh 2 million investment portfolio.
Risk: A major medical event forces you to withdraw the money.
Possible protection: Appropriate health cover.
Or:
Goal: Provide for your children until they become financially independent.
Risk: The parent's income disappears unexpectedly.
Possible protection: Appropriate life cover.
Or:
Goal: Fund your child's university education.
Risk: The person responsible for funding it dies or becomes unable to continue providing.
Possible protection: An appropriate education-focused policy or broader education funding strategy.
Now insurance becomes part of a financial plan.
Not an isolated product.
The Question Is Not "Do I Need Insurance?"
I think the better question is:
"What would happen to my financial plan if this risk occurred tomorrow?"
That question changes the conversation.
If you are single and financially independent, what happens if you are hospitalised for several months?
If you have children, what happens if your income disappears?
If you have a mortgage, what happens to the repayment obligations?
If you have a business, what happens to the business if you are no longer around?
If you are paying for your child's education, what happens to that plan if your circumstances suddenly change?
These questions aren't meant to frighten you.
They are meant to help you see your financial life clearly.
And clarity is where good financial planning begins.
If you're building your financial plan from the ground up, don't start with insurance alone. Start by understanding the financial habits that make everything else possible. Our guide on [the five finance books to start your financial journey] is a good place to continue, especially if you want to strengthen your understanding of money, saving, investing and financial behaviour.
Building a Financial Protection Plan That Actually Fits Your Life
Insurance becomes much more useful when you stop looking at it as a shopping list.
Health cover.
Life cover.
Education policy.
Tick.
Done.
Financial planning doesn't work like that.
Your financial protection should fit your income, responsibilities, goals, dependants, debts, existing savings, investments and stage of life.
So before choosing any policy, step back.
Ask yourself:
Who depends on my income?
This may include children, a spouse, parents or other family members.
What financial obligations would continue if I were no longer earning?
Think about rent, mortgage repayments, school fees, loans, household expenses and business commitments.
What assets do I already have?
Savings, investments, property and other assets may form part of your overall financial protection.
What risks could wipe out those assets?
Medical expenses, loss of income or unexpected family responsibilities are examples.
Which risks can I reasonably absorb myself?
Not every risk requires insurance.
Which risks could seriously damage my financial future?
These are the risks that deserve greater attention.
Insurance Should Work Together With Your Savings
One of the biggest mistakes we can make is treating insurance as a replacement for saving.
It isn't.
You still need savings.
You still need an emergency fund.
You still need investments.
You still need a budget.
You still need to manage debt.
You still need to increase your income and develop your skills.
Insurance is another layer.
Think about a financial plan as a house.
Your income is part of the foundation.
Your budget determines how you allocate resources.
Savings provide liquidity.
Investments provide a pathway for long-term wealth creation.
Insurance provides protection against specified risks.
Your financial goals tell you where the house is supposed to take you.
You need all these pieces to work together.
The Connection Between Insurance and Investing
This is particularly important because many people want to jump straight into investing.
And I understand why.
Investing is exciting.
You can see your portfolio grow.
You can talk about shares, bonds, property and businesses.
You can calculate compound growth.
You can imagine what your money could become in ten or twenty years.
But before you ask:
"How much can I make?"
sometimes you should ask:
"What could force me to sell this investment before it has had time to grow?"
That question brings us back to protection.
Imagine you invest KSh 10,000 every month for years.
Your portfolio finally becomes substantial.
Then you experience a financial emergency.
Without adequate cash reserves or protection, you may have to sell investments at an inconvenient time.
The problem isn't that investing was wrong.
The problem is that the overall financial plan wasn't sufficiently prepared for shocks.
This is why financial freedom requires both growth and resilience.
Your Insurance Priorities Will Change Over Time
The insurance needs of a 23-year-old are unlikely to be identical to those of a 43-year-old parent.
At 23, perhaps your main concern is protecting your health and building a strong financial foundation.
At 30, you may have a spouse and children.
At 35, you may have a mortgage, business and multiple dependants.
At 45, you may be thinking about university education, retirement and transferring wealth.
At 55, your focus may shift further towards retirement income, estate planning and legacy.
This is why I don't like the idea of telling everyone:
"Buy exactly these products in exactly these amounts."
Financial planning is personal.
Your needs are different.
The right amount of cover depends on your circumstances.
A Simple Exercise Every Kenyan Can Do
Take a piece of paper.
Divide it into three sections.
Section One: What am I building?
Write down your major financial goals.
Maybe:
- Emergency fund
- Home
- Education
- Business
- Investments
- Retirement
- Financial independence
Don't overcomplicate it.
Just write down what matters.
Section Two: Who depends on me?
List the people who would be financially affected if your income disappeared.
This could be your:
- Children
- Spouse
- Parents
- Siblings
- Employees
- Business partners
Section Three: What could derail the plan?
Now think honestly.
What happens if you become seriously ill?
What happens if you cannot work?
What happens if you die?
What happens if your child needs expensive treatment?
What happens if your income stops for six months?
What happens if you lose your main source of income?
You may discover that your financial plan is strong in some areas and weak in others.
That's useful information.
Because you cannot improve something you haven't identified.
Don't Compare Your Insurance With Your Neighbour's
This is another Kenyan habit worth challenging.
"My friend pays KSh X for insurance."
"My colleague has this cover."
"My brother bought this policy."
That's interesting information.
But it doesn't tell you what you need.
Your friend's income may be different.
Their family responsibilities may be different.
Their employer may provide benefits you don't have.
They may have assets you don't have.
They may have debts you don't have.
They may also have chosen a policy for reasons you don't know.
Financial planning should not become another competition.
The goal isn't to have the same financial products as someone else.
The goal is to build a financial structure that makes sense for your life.
Insurance Is Also About Peace of Mind
There is a financial benefit to insurance.
But there is also a psychological benefit.
When you know that certain risks have been considered and that you have a plan for them, you can focus more confidently on the things you are trying to build.
You can invest.
You can grow your business.
You can save.
You can plan for your children's future.
You can pursue opportunities.
Not because nothing can go wrong.
But because you have accepted that something might go wrong and prepared accordingly.
That is a very different mindset from living in fear.
It is financial resilience.
Three Questions to Ask Before Buying Any Insurance Policy
Before signing anything, slow down.
Ask these three questions.
1. What specific problem is this policy solving?
If you cannot answer this clearly, don't rush.
You should understand what financial risk the policy is designed to address.
2. What exactly am I paying for?
Understand the premium, benefits, exclusions, waiting periods, limits, duration and other important conditions.
Don't rely solely on the sales pitch.
Read and understand the policy documentation.
3. Does this fit into my wider financial plan?
Can you comfortably afford the premium?
Does it compete with essential financial goals?
Do you already have similar protection through your employer or another policy?
Is there a gap that needs to be addressed?
These questions can save you from making decisions based purely on emotion.
The Biggest Mistake Is Waiting Until You Need Insurance
Insurance is one of those things that can feel unnecessary when everything is going well.
When you are healthy, health cover can feel like an expense.
When you are young, life insurance can feel unnecessary.
When your children are still small, university feels far away.
But that's precisely when planning can be valuable.
You don't prepare for a storm after the roof has already been blown away.
You prepare before the storm.
The same principle applies to financial protection.
Financial Freedom Needs Both Ambition and Preparation
At WithShimami, we talk a lot about financial freedom.
But financial freedom shouldn't mean simply having more money.
It should mean having greater control over your financial life.
And control requires preparation.
You need to know:
What am I earning?
Where is my money going?
What am I saving?
What am I investing?
What debts am I carrying?
What am I protecting?
Who depends on me?
What happens if something unexpected happens?
These questions may not be as exciting as talking about the next big investment opportunity.
But they are important.
Because wealth without protection can be fragile.
Start With What You Can Afford
And let's be realistic.
Not everyone can immediately afford every form of insurance.
Someone earning KSh 35,000 a month has a different financial reality from someone earning KSh 350,000.
So don't turn insurance into another source of financial pressure.
Start with your biggest risks.
Prioritise.
Understand your needs.
Build gradually.
If health is your biggest immediate vulnerability, start there.
If several people depend on your income, explore appropriate life protection.
If you have children and education is one of your biggest long-term responsibilities, start planning early rather than waiting until the expense arrives.
And as your income grows, review the plan.
This is exactly how we approach many financial habits at WithShimami.
Start where you are. Build consistently. Review as life changes.
The Three Products Are Not the End of the Conversation
Health cover, life cover and education insurance are important areas to consider, but they are not the entirety of financial planning.
Depending on your circumstances, you may also need to think about:
- Emergency savings
- Disability or income protection
- Critical illness protection
- Property insurance
- Motor insurance
- Business insurance
- Retirement planning
- Estate planning
- Debt management
- Investments
- Succession planning
The point isn't to buy everything.
The point is to understand your risks.
Then build an appropriate protection strategy.
What Are You Protecting?
Perhaps this is the question I would want you to sit with after reading this article.
Don't just ask:
"What insurance should I buy?"
Ask:
"What have I spent my life building that I cannot afford to lose?"
Maybe it's your health.
Maybe it's your income.
Maybe it's your children's education.
Maybe it's your business.
Maybe it's your home.
Maybe it's the financial security of your parents.
Maybe it's the future you have been working towards for the last ten years.
Once you know what you are protecting, the insurance conversation becomes much clearer.
Because ultimately, insurance isn't really about the policy document.
It's about the financial promise behind it.
The promise that an unexpected event doesn't have to destroy everything you have worked for.
Final Thoughts: Build Wealth, But Don't Forget to Protect It
We often celebrate the person who saves consistently.
The investor.
The entrepreneur.
The person who buys land.
The person who builds a house.
The person who finally reaches their financial goals.
And we should.
But there is another side to financial success that deserves more attention:
Protection.
You can work hard for twenty years and build something meaningful.
But financial freedom isn't only about getting there.
It is about creating a financial life that can withstand the unexpected.
Health cover can help protect you from certain healthcare-related financial risks.
Life insurance can help provide financial support to the people who depend on you if you die.
Education insurance can be one tool families use to prepare for their children's future education while incorporating insurance protection, depending on the policy.
None of these should be purchased blindly.
None should be treated as a magic solution.
And none should replace saving and investing.
They should form part of a bigger picture.
Because the goal isn't simply to accumulate money.
The goal is to build a financial life that protects your present, supports your future and gives the people you love a stronger foundation.
That is what financial freedom should look like.
Not just having something to leave behind.
But building something that can continue even when life doesn't go according to plan.
Continue Reading: Build the Financial Foundation First
If you're still figuring out where to begin with your money, don't feel like you need to understand everything at once. Start with the fundamentals.
Read our practical guide on [paying yourself first] and learn how treating savings as a priority—not whatever happens to remain at the end of the month—can change the way you manage your income.
If you are a parent, you may also find our article on [how childhood affects our money mindset] useful. The financial lessons we pass to children aren't always the ones we deliberately teach. Often, they learn by watching what we do with money.