On this episode your hosts, Ivy and Hafare are joined once again by Shad Khalif,  a financial analyst to discuss the importance of a credit rating, why taking on debt is good, what to do with your disposable income, why ride hailing apps are expensive and much more.  As always thank you for listening As stated in the podcast, from now on you can financially support the podcast by sending your donation via Mpesa to 0742509392.  We would really appreciate it and it would go a long way in keeping us going. Follow us on our socials @survivingnairobi on IG and @survivenairobi on Twitter Hafare - @gethafare on Twitter and @hafare on IG Ivy - @iv_ey on Twitter and @callmedjiv on IG Shad - @Shad_Khalif on Twitter and IG