Introduction: Why Your 20s Matter Financially Your 20s are the foundation of your financial future. It might seem too early to care about retirement or investments, but this is actually the best time to build good habits, avoid costly mistakes, and set yourself up for long-term success. Whether you're a student, new graduate, or working your first job—this guide will help you take control of your money from the start. 1. Understand Where Your Money Goes What to Do: Track every shilling or dollar you spend for a week. Use apps like Mint , Money Manager , or a simple notebook. Example : Janet realized she was spending KES 3,000/month on takeout lunches. She started meal prepping and saved KES 2,000. Tool: Google Sheets budget tracker or an app like Spendee . Tip : Awareness is step one. If you don’t track, you can’t fix. 10 Simple Budgeting Hacks Every Student Should Know. 2. Create a Simple Budget That Works for You Use the 50/30/20 Rule: 50% Needs (Rent, food, transport) 30% Wants...