Investing is often misunderstood, as many believe they need a lot of money to start, when in fact wealth is built by starting early and consistently

Families and friends are encouraged to create traditions rooted in thoughtfulness, like handwritten letters, shared experiences or even charity contributions.

Finance coach Margaret Njeri noted that opportunities gravitate toward people who have already created room for them rather than those waiting on luck.

Finance coach Margaret Njeri says there is also a cultural belief that money is meant to be enjoyed when the year ends, so people tend to relax their budgets.