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The survey reveals that while Kenyans are better equipped to handle day-to-day expenses and financial shocks, many struggle to invest in their future.

By 2021, the percentage fell further to 17.1 per cent, with a slight increase to 18.3 per cent in 2024.

In 2016, 39.4 per cent of Kenyans were financially healthy—a figure that dropped sharply to 21.7 per cent in 2019.

The proportion of Kenyans considered financially healthy has shown a gradual decline over the years, according to the 2024 FinAccess Household Survey by the Central Bank of Kenya.