A 24-year-old Kenyan construction labourer earning Sh600 per day seeks advice on saving Sh500,000 to pursue a diploma in nursing or clinical medicine by 2027.

• Achieving the Sh500,000 goal by 2027 through savings alone is infeasible, as it would require saving Sh45,450 monthly against a current monthly income of approximately Sh15,000.
• Financial planning and investments consultant, Dominic Karanja, recommends seeking government sponsorship via KUCCPS for significantly reduced tuition at Kenya Medical Training Colleges (KMTC), estimated at approximately Sh80,000 annually for a three-year course.
• Key strategies include transitioning from general labour to a skilled fundi role to increase daily earnings to Sh1,200, disciplined spending by cutting expenses on betting and alcohol, and investing Sh6,000 monthly into a Money Market Fund (MMF) to accumulate approximately Sh159,000 by December 2026.
• Aggressive saving of Sh3,000 weekly from current earnings, even without a pay raise, could accumulate Sh156,000, covering the first year's tuition, but still necessitating additional government funding.