Eti tithe?This are proceeds of gambling....

@all,
Thank you all. Seems there are four ideas that have been put forward regarding how she can use the money:

1) education: there are suggestions she does do a diploma. How much will the course cost? Also take into consideration that she will need to quit her job to study. Assuming it's a 1yr course, she will need rent, transport, food and maintenance etc for the period.

2) plot of land: where can she get land in Nairobi (or outskirts) at 400k?

3)business: what business?

4) stocks: which stocks?

come i sell to her a mpesa biz and earn kes 10,000 net per month.and also go to school

I would advice her to buy some land in naivasha-maai mahiu area for 200k an acre then with the 300k, she builds a mabati/soil block structure then start small scale farming/green house . The proceeds from the farming can then be utilised to educate herself in hospitality[assuming she already has a headstart in her work as a house girl] then she can rival Madam P and others who supply housegirls in nairobi.

If I lay hands on some good money ,farming is a risk I wont undertake.Not for a start.ah ah.
A couple in karen had this great chicken biz going on for them.Great contracts they had and all was well till they woke up to find all kukus dead! from a strange disease.
They swore never to deal with live animals, ever again.Were they experienced? oh yes they were chicken Gurus and could detect any small defect.
How much more crops.I can only venture into farming once I have stabilised cz the risks are too high.
Since she has many options let her go for the one that poses less risks.
Education!

Besides we are just assuming that all conditions will be perfect for her to reap what she plants or build.
Weather,Market,Costs of setting up and running the farm,come into play here.
It makes me shudder infact.

Ha! dont be suprised to see her getting married after all this noise we are making here.

Now that is truly inspiring.

We are taught to view informal education as a not so effective means to earning a good income.
It's hammered into us that formal education is the key to success since childhood.Infact informal education is regarded as an outdated means of learning.

This 'unlearned'client of yours I can bet has invested properly in his kids formal education because he values it's importance.no?? And I doubt the kids go to wakulima day and boarding in river road.
His past was unfortunate and circumstancial (motivator),but he now has the ability to shape the future of his kids by sending them to great schools,because they have a better option to choose from.
If for instance his kids are forced to run that estate without education, it will go down the drain because they dont understand what it means to sleep hungry or walk barefoot.They have nothing to motivate them.
We cannot therefore replicate some situations due to changing times.

You use Karume as an example,great.
It's one thing to create wealth and another to maintain it.
Karume just like this client of yours was pushed by the hard past. But the estate is the way it is because some employed people help manage it.*I stand to be corrected*
In short,this girl can easily set up a biz or farm,but can she manage it? u want to compare the old man's biz savvy mind to a 20 yr old girl who's just landed herself good money?
She is also a woman rem.and will face more obstacles in terms of managing and running it informaly.*well I could be wrong*
I just know that education has a way of transforming and broadening minds as one grows and interacts with others in a real world.

Ok can we suggest that she does what the proverbial hyena did? try both ways?
Invest 3/4 in education and bal in biz.That way if she biz burns she will still have education to fall back to.ama?

@mkeyd..true..for instance, since i graduated from UoN School of Architecture in 2001, i earn my money mostly by giving the services that i have learnt from experience and personal research/initiative in the construction industry. What i learnt from UoN helps me to achieve legal requirements to practice but not so much to offer value and competitiveness to my clients.
Its more of a perfect balance between formal education[Degree] and informal education[research/experience].

Without either, it becomes difficult to operate.

Eh! You know Maruge never realised his dream?
The question is,how long will it take me to get there?
I think you are talking as males but this is a female.
By 25 she can be through with studies and she has her whole life ahead.
But if she hits biz right away,it may take her 20 years to be a karume.
I have done bz before including farming but on a small scale and once you start biz,you get too busy to find time for anything else like study cz all you want to do with any extra time is to make more and more money.Tamaa huongezeka.
That is why the likes of K. hardly ever go back to study because biz ni tamu sana and engaging.
Assuming she becomes rich at 40 or 45 ,that time she will probably be married with 7 kids around and demands.Besides why would she need to study now when her hands are full?
A man on the other hand can go back to study even at 60 cz hawanyonyeshi.

But about experience? I concur with both of you I learnt how to survive hard from the informal biz not formal.




Do both educ and biz.

3 pages later she could be having 20k only left at her disposal.


Good luck whatever she chooses.my turn to play

@essyk, If she will be engaged and biz will be tamu as you say,must she go to study?
Is studying the essence of human life?
I thought happiness was/is.
You are happier if you are rich and uneducated than educated and poor.
In an ideal world/economy, you are much happier educated and rich. Is our Kenya ideal?
About Murage, he passed on,my reference was to the living.
@architect,It's all true as you put it.

Yeah. You end up being more frustrated if you are educated and poor than if you were uneducated and poor. She may end up joining the Tumesoma na tumesota, hawajasoma na ni masonko choir.

Does she have biz acumen or will her entry to biz be just another learning opportunity. Does she already have an idea of which business she plans to do?

Some have suggested real estate, that she should buy a plot. BTW where in Nairobi metropolis will she get land for that amount(incl transaction costs)? Buying land in her shags for farming isn't bad also assuming her shags is not in Kiambu or Kajiado or some other place with high prices.