This is what we should do as a country to spur real economic growth

Thus the demand by Kenyans for creative, local solutions for all of these challenges that are making 87 per cent of households unhappy with their financial situations. Every other day, the local press headlines the pains and worries of Kenyans: "Cash crunch as school reopen, fees Sh3 billion; accountability, dead teachers paid Sh353 million; Ghost workers get away with Sh35 billion, Sh800 billion pending bills crisis, Treasury plans to borrow Sh886 billion in 2023 - 2024; Kenya's massive debt is getting to Sh.11 trillion, pending bills and power struggle rocks the Counties."

With a GDP of $111 billion and culture of hard work, we are a nation of early risers that is highly ranked in Africa, at number seven out of 54 countries. Yet our Gross National Happiness is relatively low, at only 13 per cent. The daily struggles to get cash for most Kenyans are becoming harder. Where did the rain start beating us? There are five leading issues that need urgent action in order to address these challenges and secure Kenya's future prosperity.