The holiday season doesn’t have to mean a fun December followed by a broke January. In this episode of the Finance4Families Podcast, host Linda Mak shares practical steps to start saving for Christmas now so you can enjoy a guilt-free, debt-free holiday.
Learn how to:
✅ Set up a simple “Christmas Fund” and budget early
✅ Shop smart and embrace creative gifting
✅ Enjoy low-cost family activities that make lasting memories
Take the stress out of the season and give your family the gift of financial peace this Christmas.
If you’re a parent in Kenya, you know the dread of that school fees text ... it’s a stress that follows you until it’s paid.
In this episode, we break down how to turn panic into a plan by creating a “school fees sinking fund.” Learn how to calculate your total costs, save systematically, and automate contributions so fees are never a last-minute scramble.
We also explore the best ways to save in Kenya, comparing junior bank accounts, education insurance policies, and education-focused investment options like unit trusts and money market funds. Plus, discover practical ways to involve your children, teaching them the value of planning, budgeting, and financial responsibility.
By the end of this episode, you’ll have actionable strategies to cover school fees stress-free while raising financially aware kids.
Welcome to Season 3 of the Finance4Families Podcast with Linda Makatiani - where money meets legacy.
In this episode, Linda asks a powerful question: Is your family financially resilient? She breaks it down into three key pillars every family needs:
The Shield - Building an emergency fund
The Shock Absorbers - Creating multiple income streams
The Life Raft - Protecting your family with insurance
Our economy can be unpredictable, but with these pillars, your family can stand strong, adapt, and thrive.
Tune in to learn how to start building or strengthening your family’s financial resilience, and how F4F coaching can guide you on the journey.
Follow the podcast to stay inspired, share with your loved ones, and let’s build confident families together.
What if your family’s money goals for the rest of 2025 didn’t have to be perfect - just intentional? 💡
In this Season 2 finale of the Finance4Families Podcast, we’re going beyond numbers to map out the next six months of your financial journey with clarity and purpose. Together, we’ll build your Family Financial Vision Board: a tool that’s more than goal-setting. It’s about aligning your money with your family’s values, strengthening connection, and creating a shared vision for the future.
✨ In this episode, you’ll discover:
- What a Family Financial Vision Board is (and how to make one)
- The three anchors that keep your goals practical and achievable
- Six sections every family should include to finish 2025 stronger
- How to balance vision with real-life budgeting
As we close this season, I want you to imagine ending 2025 not overwhelmed, but proud, because you built habits, made intentional choices, and grew closer as a family.
Thank you for being part of this journey. Season 3 returns in September 2025 . For now, grab your notebook, your family, and let’s start vision-boarding your way to a stronger financial future.
In this episode, Linda unpacks the highs and lows of the year so far, sharing real-life stories from families just like yours:
✔️ The quiet money wins
✔️ The money moves that didn’t go as planned and the powerful lessons in them
✔️ How different family members from young kids to young adults are growing their money mindset in 2025
✔️ Why values matter more than perfection when your plan gets derailed
Whether your first half of the year felt “meh” or magical, this is your space to breathe, reset, and plan forward with purpose and without pressure.
Reflection prompts, budgeting truths, and powerful reframes await.Tune in and let’s take stock of what really matters and what’s still possible.
From those “I should’ve done better” moments to silently wondering why everyone else seems ahead, we’re unpacking it all.
This episode dives into the emotional side of money: guilt, shame, and comparison and how they quietly shape our personal and family financial journeys.
Tune in for honest conversations, emotional clarity, and practical tools to help you reset and thrive in the second half of 2025.
“We had a budget… but where did the money go?”
If that’s you halfway through 2025, working hard, spending plenty, but saving little - you’re not alone!
In this episode of Finance4Families Podcast, Linda walks you through how to do a simple, no-shame family budget audit. You’ll learn how to:
Spot the real spending leaks
Rebuild a budget based on your actual habits, not ideal ones
Set realistic caps and small savings targets
Involve your kids, teens, or partner in the process & in age-appropriate, meaningful ways
Whether you’re a parent managing a household or a young adult figuring out adulting one step at a time, this episode is full of practical tools and honest mindset shifts to help you reset your budget with clarity.
This might just be the breakthrough your family needs to finish 2025 strong.
We’re officially six months into 2025—how’s that January money plan holding up?
If life’s twists have knocked your budget off balance, this episode is your permission to pause, pivot, and power forward.
Join host Linda Mak of Finance4Families as she:
Drops fresh 2025 stats on savings habits and emergency‑fund dips
Shares two real‑life family case studies: one overwhelmed, one disconnected and the simple shifts that got them back on track
Walks you through a four‑step Mid‑Year Money Check‑In you can do
Serves up practical tips for every family member: parents, kids, teens, and even grandparents
You’ll wrap up with one clear action to carry your goals and your confidence - into the second half of 2025.
🎧 Press play, grab a notebook, and let’s reset together.
Finance4Families - Building Family Wealth, Inspiring Financial Confidence.
Who handles the money at home - and how clear is that arrangement, really?
In this episode, Linda Mak breaks down the 5 essential money roles every household needs and why defining them can make or break your financial peace. Whether you're newly married, co-parenting, or deep into building family wealth, this is your blueprint for clarity, collaboration, and growth.
- Learn how to assign roles based on strengths, not stereotypes
- Discover practical systems that thriving families use
- Start the conversation that changes everything
Hit play and let’s talk money - together.
Why do we panic about money?? even when the bills are paid? Why does spending on ourselves feel like guilt instead of self-care??
In this deeply personal episode of the Finance4Families Podcast, we explore how money beliefs are formed, passed down, and more importantly, how they can be healed. In honor of Mental Health Awareness Month, we uncover the emotional roots of financial stress and reveal practical tools to break generational money patterns.
Because true wealth isn’t just about what’s in your account - it’s about peace, freedom, and family unity.
💛 Let this episode be the start of your family’s healing journey.
In honor of Mother’s Day, this heartfelt episode of the Finance4Families Podcast is a tribute to the quiet strength and selfless sacrifices of mothers everywhere.
Host Linda Makatiani speaks directly to the women who so often put themselves last while carrying everyone else forward – the nurturers, the dreamers, the givers. Through honest reflections and practical encouragement, she shares why every mother deserves a financial journey that includes her own growth, dreams, and goals.
You’ll discover:
- Why your sacrifices are not just noble – they’re foundational.
- The hidden financial lessons in motherhood.
- Three powerful yet simple steps to start reclaiming your financial confidence.
Whether you're saving a little or starting over, this episode is a gentle reminder: You matter too. And when a mother grows, generations rise.
Enjoy!
Money. It’s one of the most important parts of family life — and yet, one of the hardest things to talk about. In this episode, host Linda Mak dives deep into why families struggle to have open conversations about money, what happens when they don’t, and how to start talking in a healthy, judgment-free way.
We’ll unpack childhood money beliefs, cultural silence, shame, and even share real-life stories of families who learned the hard way what silence can cost. You’ll leave with practical conversation starters, tips for creating safe spaces, and ideas like “Money Talk Time” to build stronger, more financially aligned families.
Whether you're a parent, spouse, or adult child, this episode will help you turn money talks from tense to transformative.
🎧 Tune in, If you’re ready to strengthen your family - financially and emotionally
You’ve mapped out the family’s financial goals, felt motivated and united… then life happened. A school trip here, an emergency there—and suddenly the plan is off track.
In this episode, we dive into the Distractions Dilemma—the real-life events and habits that derail even the most well-intentioned families.
You’ll learn:
✅ What common distractions to watch out for
✅ How to spot the early signs of drifting
✅ Practical ways to regroup and refocus
✅ Why “progress over perfection” is your best financial strategy
Tune in and discover how to stay anchored - even when life pulls you in different directions.
They say a goal without a plan is just a wish — and families don’t need more wishes, we need wins. In this episode, we unpack why family goals get stuck and how to move from dreaming to doing.
🎯 Learn how to:
Build a shared family vision
Turn vague ideas into SMART goals
Assign roles so everyone gets involved (yes, even the kids!)
Use the powerful R.A.P. method (Reflect, Assess, Plan)
Let’s stop wishing. Let’s start winning — together.
What makes a goal truly meaningful? In this episode, we explore the soul of goal setting—starting with desire, the core that gives our goals clarity and authenticity. We also unpack the power of patience and reflection, and why the people you involve in your goal journey matter just as much as the goal itself.
Tune in and start setting goals that actually stick!
Ever find yourself pondering your investment WHY?
In this episode as we embark on a thought-provoking journey through the different seasons of our investing motivations. We unravel the profound concept that our WHY serves as the compass guiding us toward success in the world of investments. Throughout the episode, we explore common WHYs, addressing some pressing questions that arise when contemplating the essence of WHY invest.
In this episode, we're focused on establishing the essential foundation for your investment journey. Whether you're a seasoned investor seeking a refresher or a beginner gearing up to embark on your investment adventure, this podcast episode aims to provide a clear understanding of the fundamentals of investing.
This podcast episode breaks down the complexities of financial planning into actionable, bite-sized steps. We bring you insights to enhance your financial knowledge as you either start working on your financial plan for the year or to fine tune an already existing financial plan.
Hit that play button, absorb the wisdom, and let's build your financial plan together.
Get to know how to unlock the secrets to financial empowerment through setting the right Financial Goals in our latest podcast episode! Taking charge of your goals is an investment that gains you clarity and confidence to pursue and achieve your goals. Join us as we explore what SMART financial goals are and how they can fuel wholistic growth. Enjoy!
How do you get your aging parents to stop thinking of you as just their child and be honest and open to having conversations about their physical and financial health?
This episode will get you unlocking those conversations and help you navigate through the discussions to ensure the whole family is aligned on financial expectations, be mentally, emotionally and financially prepared, and in so doing provide the right support.