A Kenyan working in Nairobi, earning a net salary of Sh203,000, is seeking advice on managing substantial debt from two bank loans and two Sacco loans, totaling approximately Sh98,000 in monthly obligations.

• Total loan obligations: approximately Sh4.016 million (Bank A: Sh2.1 million, Bank B: Sh1.2 million, Sacco: Sh516,000).
• Investment consultant Alex Kibebe recommends shifting from a debt-driven approach to an investment-led strategy.
• The debtor aims to raise Sh1 million for house completion, Sh3 million for Sacco investments, and potentially upgrade a car.
• Kibebe advises against new loans, suggesting saving Sh5,000 monthly, then channeling an anticipated pay rise of Sh30,000-40,000 and Sh7,000 from a cleared Sacco loan into a Money Market Fund or Bond Fund for emergencies and future goals.