For the Woman Who Carries Everything

There is a particular kind of tea only mothers drink. The one that has been reheated three times, forgotten on the counter, then remembered somewhere between solving five other people's problems. Between school runs, work calls, shopping lists and "Mum, where is my...?", you quietly disappear from your own priority list. You carry so much. Today, let us talk about you.

3 Truths About Mothers and Money

1. Mothers are often the strongest, and the most financially exposed. You hold the home together. You know, almost telepathically, when your child is unwell. You stretch every shilling and make things work. But in the middle of caring for everyone else, your own financial future quietly waits. Strength has kept everything going. But strength alone is not a plan.

2. Love sustains a home. Money sustains its future. You love deeply. You give fully. You sacrifice without announcement. But love does not pay future school fees. Love does not fund retirement. Love does not replace income when life shifts. Both matter, and one should never replace the other.

3. "I'll think about it later" is the most expensive sentence mothers tell themselves. Later sounds responsible. Later sounds patient. Later even sounds like love. But later becomes years. And one day the children are grown, the house is quieter, and you are left asking questions you wish you had answered earlier.

2 Questions

• If something changed tomorrow, would you and your children be financially protected?
• What have you postponed for years that actually matters for your future?

1 Move

Not everything. Just one thing. Move any amount of money into a savings or investment account this week. KSh 500. KSh 5,000. It does not matter. This is not about the amount. It is about the moment you decide, "I matter in this plan too."

You have carried everyone else with strength. Carry your future with the same intention. — Rina Hicks