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# ![@cheruiyotkb Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1940334218.png) @cheruiyotkb cheruiyotkb

cheruiyotkb posts on X about stocks, investment, money, insurance the most. They currently have XXXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::1940334218/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1940334218/c:line/m:interactions.svg)

- X Week XXXXXXX +73%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXXX -XX%

### Mentions: XX [#](/creator/twitter::1940334218/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1940334218/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XXX -XXXX%
- X Months XXX -XX%
- X Year XXXXX -XX%

### Followers: XXXXXXX [#](/creator/twitter::1940334218/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1940334218/c:line/m:followers.svg)

- X Week XXXXXXX +0.09%
- X Month XXXXXXX +0.30%
- X Months XXXXXXX +7.10%
- X Year XXXXXXX +20%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1940334218/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1940334218/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1940334218/influence)
---

**Social category influence**
[finance](/list/finance)  XXXX% [premier league](/list/premier-league)  XXXX% [ncaa football](/list/ncaa-football)  XXXX% [countries](/list/countries)  XXXX% [stocks](/list/stocks)  XXXX% [technology brands](/list/technology-brands)  XXXX% [currencies](/list/currencies)  XXXX%

**Social topic influence**
[stocks](/topic/stocks) 1%, [investment](/topic/investment) #3170, [money](/topic/money) 0.5%, [insurance](/topic/insurance) #1068, [debt](/topic/debt) #1254, [dividend yield](/topic/dividend-yield) #125, [masterclass](/topic/masterclass) 0.33%, [30 of](/topic/30-of) 0.33%, [inflation](/topic/inflation) 0.33%, [cash flow](/topic/cash-flow) XXXX%

**Top accounts mentioned or mentioned by**
[@theabojani](/creator/undefined) [@mytradesignals](/creator/undefined) [@waruhiufranklin](/creator/undefined) [@juliusonstocks](/creator/undefined) [@victornyakund10](/creator/undefined) [@chibolis](/creator/undefined) [@cleuveschahasi](/creator/undefined) [@_mosesademola](/creator/undefined) [@babalucky254](/creator/undefined) [@wiseshilling](/creator/undefined) [@eacinvestor](/creator/undefined) [@mikeoko92960204](/creator/undefined) [@winda_invest](/creator/undefined) [@staicyjean](/creator/undefined) [@aibaxysafrica](/creator/undefined) [@realtycoons](/creator/undefined) [@levelque](/creator/undefined) [@kinyanjuinm](/creator/undefined) [@baxfinancefb](/creator/undefined) [@mtucreativity](/creator/undefined)

**Top assets mentioned**
[Uber Technologies, Inc. (UBER)](/topic/$uber)
### Top Social Posts [#](/creator/twitter::1940334218/posts)
---
Top posts by engagements in the last XX hours

"That's Sh 13M 🤦 Well the first $100K is almost impossible. The next $100K takes almost half the time. The one after that is even faster. The journey from $X to $100K is the hardest part. Don't quit before compounding starts doing the heavy lifting"  
[X Link](https://x.com/cheruiyotkb/status/1976868875426795880) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-11T04:34Z 194.8K followers, 5626 engagements


"Wealth creation on a budget: - Earn from a job/business - Put aside enough for bills - Invest in SACCO deposits/shares - Build an emergency fund via MMF - Diversify into bonds and dividend stocks - Reinvest dividends and interests for more income. - Enjoy guilt-free spending"  
[X Link](https://x.com/cheruiyotkb/status/1976869711616131266) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-11T04:37Z 194.8K followers, 6884 engagements


"#WealthWednesday Sh200K kept in an ordinary bank account earns less than Sh200 a year. Sh200K kept in a money market fund can earn about Sh22000 a year. Sh200K invested in SACCO deposits can earn about Sh24000 a year. Sh200K invested in infrastructure bonds can earn Sh26000 a year. Sh200K invested in your own business at risks you understand can earn whatever you envision"  
[X Link](https://x.com/cheruiyotkb/status/1978320497138921674) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-15T04:42Z 194.8K followers, 55.7K engagements


"It's a self-paced journey. Somewhere along the way your income will rise and you'll take a loan to build"  
[X Link](https://x.com/cheruiyotkb/status/1978320833199140950) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-15T04:43Z 194.8K followers, 1227 engagements


"@19ODHIAMBO Links for opening money market accounts: Sanlam ICEA LION CIC"  
[X Link](https://x.com/cheruiyotkb/status/1977974074946318385) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-14T05:45Z 194.8K followers, 2587 engagements


"#MoneyMonday #diversification"  
[X Link](https://x.com/cheruiyotkb/status/1975078620008759550) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-06T06:00Z 194.8K followers, 6540 engagements


"On the NCBA Bank Group vs. Standard Bank Group (via Stanbic Holdings KE) matter is it a merger or an acquisition Going by Standard Bank Group style they first merge then later acquire fully resulting in their branding. Remember Cfc Stanbic KE then Stanbic Holdings KE and CfC Liberty Insurance Group then Liberty Holdings. It's not yet clear whether they will take a major controlling stake and leave NCBA to run like National Bank & Access Bank or Co-op Bank & Kingdom arrangement. If they do so NCBA will remain listed on the NSE but with a new shareholding structure. Standard Bank Group could"  
[X Link](https://x.com/cheruiyotkb/status/1978386400828334493) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-15T09:04Z 194.8K followers, 30.5K engagements


"Three basic ways to create wealth: X. Wages and salaries X. Income from a business X. Income from investments Leverage your salary to build your business. Use your business profits to increase your investments. Repeat until you attain financial freedom. #LevelUp via @TheAbojani October Masterclass 👇"  
[X Link](https://x.com/cheruiyotkb/status/1973986081298076116) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-03T05:38Z 194.8K followers, 3583 engagements


"Every new week presents a chance to outdo the man you've been last week. Set goals crush them and then raise the bar. Complacency is the enemy of greatness. Never settle never stagnate - relentlessly pursue your own evolution. You have all you need to soar. #HappyNewWeek 🎊"  
[X Link](https://x.com/cheruiyotkb/status/1977598978251272286) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-13T04:55Z 194.7K followers, 4719 engagements


"Accumulated savings of Sh 100000 or more can be put in treasury bonds earning at least XXXX% annual interests. Investing Sh 500000 in a T-Bond for instance will earn you Sh 31000 every six months for the entire duration of the bond"  
[X Link](https://x.com/cheruiyotkb/status/1977671898487001599) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-13T09:44Z 194.8K followers, 3104 engagements


"KCB Group Plc $KCB Current Price: Ksh XXXXX Reasons: ✓Operates across Kenya East Africa and beyond serving diverse clients from individuals to large corporations. ✓It boasts a good dividend yield and has paid dividends for nearly two decades distributing over XX% of income annually. ✓Suitable for income-focused investors with strong regional expansion potential"  
[X Link](https://x.com/cheruiyotkb/status/1973686346494468364) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-02T09:47Z 194.8K followers, 3193 engagements


"You can open a CDS account and start following particular businesses whose products you consume regularly eg. Safaricom NCBA or Total. Making scheduled purchases of these stocks and studying share price movements will soon make you learn stock trading or dividend investing"  
[X Link](https://x.com/cheruiyotkb/status/1977671378993062158) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-13T09:42Z 194.8K followers, 3382 engagements


"Find side hustles that create surplus cash to invest in assets that create dependable multiple flows of income that don't require your time; eg. real estate dividend stocks treasury bonds etc. Level up your personal finances and investments via @TheAbojani October Masterclass 👇"  
[X Link](https://x.com/cheruiyotkb/status/1975075225927627029) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-06T05:46Z 194.8K followers, 2208 engagements


"@mentor_lity @Kimuzi_ Sanlam 💯 Great customer care. Use link to open 👇"  
[X Link](https://x.com/cheruiyotkb/status/1978164597883367497) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-14T18:22Z 194.8K followers, XX engagements


"You earn a fair salary by average Kenyan standards. Since your contract runs out in the next two years you have to practice moderation on your spending. Your budget shows Sh 11000 unaccounted for. I assume this gets into shopping and miscellaneous stuff like airtime"  
[X Link](https://x.com/cheruiyotkb/status/1974392096783020458) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-04T08:32Z 194.8K followers, 2718 engagements


"Treat saving and investing like a bill you must pay monthly. Fund an emergency kitty up to X months' equivalent of expenses. Invest XX% of income - XX% of that in assets and XX% in your skills or business tools. Your returns will come from interests and increasing income"  
[X Link](https://x.com/cheruiyotkb/status/1977282698587590998) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-12T07:58Z 194.8K followers, 16.4K engagements


"Keeping just Sh 6000 every month in a unit trust fund that returns just XX% p.a accumulates to Sh 500K in X years. What can Sh 0.5M do There are lots of options: buy a hatchback for Uber business buy a 50x100 plot for own residence or rental units invest in a special (hedge) fund for XX% annual interests buy half an acre land for poultry vegetable dairy goat or cattle farming buy primary building materials for a 3-BR 🏡 in your plot acquire a working permit travel documents and plane ticket for a Sh 100K p.m job overseas It all depends on what you understand best 💯"  
[X Link](https://x.com/cheruiyotkb/status/1977953972682887361) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-14T04:25Z 194.8K followers, 60.9K engagements


"A merger can happen without controlling ownership by one company over another. Companies can agree to work together with a medium term goal of one brand ceding existence owing to increased investment by the bigger partner and more ownership stake. ICEA-LION Cannon-Metropolitan etc"  
[X Link](https://x.com/cheruiyotkb/status/1978423396313534659) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-15T11:31Z 194.8K followers, XXX engagements


"Happy New Month 💕 Kickstart your finances with @TheAbojani October Masterclass. Lots of value addition to these topics: ☑ Stocks ☑ Treasury bills ☑ Treasury bonds ☑ SACCOs ☑ Unit Trusts ☑ Budgeting ☑ Debt Management Set a foundation for new year investment resolutions"  
[X Link](https://x.com/cheruiyotkb/status/1973220888314106103) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-01T02:58Z 194.8K followers, 2985 engagements


"Signs of financial stability and future wealth sustainability: X. You are investing consistently. X. You spend less than you earn. X. You dont hold any bad debts. X. You have multiple streams of income. X. You have cash saved for emergencies"  
[X Link](https://x.com/cheruiyotkb/status/1976872520843170084) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-11T04:48Z 194.8K followers, 6125 engagements


"On your way to building wealth avoid lifestyle inflation. Don't merely save money in bank accounts as it doesn't compound. Just keep what you need for frequent expenses. Extra money should be allocated for investments in either your skills your business or the capital markets"  
[X Link](https://x.com/cheruiyotkb/status/1975074179549458657) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-06T05:42Z 194.8K followers, 9966 engagements


"7 stages of wealth: X In debt X Hand-to-mouth X Some savings X X months of expenses savings X Some cash flow investments X Passive income covers some expenses X Financial freedom Cruising through the stages is intentional. It's your raw desire to build generational wealth"  
[X Link](https://x.com/cheruiyotkb/status/1977244603985125395) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-12T05:27Z 194.8K followers, 15.4K engagements


"Lifestyle upgrades feel harmless in the moment but they quietly turn every income raise into a trap that keeps you stuck on the same financial position. This phenomenon often called lifestyle inflation is a silent killer of financial freedom. It ensures your expenses always keep pace with your earnings never leaving a surplus for investment"  
[X Link](https://x.com/cheruiyotkb/status/1978756071213707439) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-16T09:33Z 194.8K followers, 10.4K engagements


"Personal finance tips - Avoid impulsive purchases Maintain an emergency fund Get exposure to bonds & equities Invest at least XX% of your income Keep debt less than XX% of income Invest in cash flow assets for the long term Have adequate term life and medical insurance"  
[X Link](https://x.com/cheruiyotkb/status/1975126844727820473) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-06T09:11Z 194.7K followers, 8249 engagements


"@Gichwizo Much better with select stocks that promise similar yield and capital gains too"  
[X Link](https://x.com/cheruiyotkb/status/1973925632934559832) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-03T01:38Z 194.8K followers, XX engagements


"Equity Group Holdings Plc (EQTY) Current Price: XXXXX KES Reasons: ✓One of Kenya's most prosperous banks with assets near Ksh X trillion offering services in retail commercial banking insurance medical etc. across East Africa. ✓It provides a strong dividend yield of XXXX% and has delivered consistent profits since 2007. ✓Yearly performance shows +30.9% gains. ✓Offers growth and stability with a history of rewarding shareholders"  
[X Link](https://x.com/cheruiyotkb/status/1973685648717500925) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-02T09:45Z 194.8K followers, 2536 engagements


"Begin with the basics - open investment accounts. This will help you focus on asset and income growth from unit trusts SACCO and dividend stocks. Links for MMF account opening: CIC ICEA LION Sanlam"  
[X Link](https://x.com/cheruiyotkb/status/1976873371544486318) [@cheruiyotkb](/creator/x/cheruiyotkb) 2025-10-11T04:51Z 194.8K followers, 1696 engagements