Most people think the hardest part of building wealth is making money. But if that were true, every high-earning professional would be financially free.

The real challenge isn’t making money; it’s keeping it.

Think about it. How many times have you heard of someone making good money but still struggling financially? Athletes, celebrities, even regular employees with great salaries? Many end up broke despite earning millions.

Why? Because earning and managing money are two completely different skills.

Making money is about increasing your income. That could be through a job, a business, or side hustles. But keeping money? That’s about discipline.

It’s about knowing where your money goes, spending less than you earn, and making your money work for you.

A person earning Ksh 300,000 per month but spending Ksh 290,000 is worse off than someone earning Ksh 100,000 and saving half of it.

The first person has a high income but no financial security. The second person is on their way to financial freedom.

The difference between being rich and being wealthy is how you handle money. The rich focus on making more; the wealthy focus on keeping and growing what they have.

So the real question isn’t just how to make more money. It’s how to make sure you don’t lose what you earn.

What changes can you make today to start keeping more of your money?