Tony Mwirigi, popularly known as Tony wa Tenza, recently explained the financial methods he used to purchase his vehicle, a 2017 model valued at over Sh1 million.
Rather than relying on a single source of income or taking a bank loan, Mwirigi said he gathered funds through more than five different channels.
He noted that the money did not come “all at once” but was gradually accumulated and consolidated over time.
"Hii gari yangu pesa yake haikuja pap ni pesa ambayo ilinikusanya from different sources," he said.
Deliberate Decision to Avoid Debt
Mwirigi emphasized that he intentionally avoided borrowing to finance the vehicle. He said he did not want to take a loan because he believes being in debt removes a sense of peace while driving.
“I do not like being owed,” he stated, adding that driving a car on loan does not allow for a peaceful experience on the road,'' he noted.
"Sipendi kudaiwa because ukiwa na gari ya loan hautaendesha kwa amani."
He clarified that this was his personal reasoning and not a rule for others, but he maintained that saving before purchase was his priority.
Combination of Modern and Traditional Savings
The funds for the car were raised through a mix of modern banking and traditional saving methods. Mwirigi said he used a Money Market Fund (MMF) at his bank to grow his savings over time.
At the same time, he used a physical saving box at his home, referred to as a “piggy bank,” where he saved money incrementally.
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He described this as a “little by little” approach, allowing him to accumulate the required amount without the pressure of repayment schedules.
"Nilikuwa na over five channels za kupata hii do... nilizikusanya kidogo kidogo nikanunua gari yangu 2017 model um over 1 m." He said.
Agriculture as a Key Income Source
Agricultural ventures formed a major part of Mwirigi’s income strategy. He highlighted his work as a watermelon farmer in Lamu and said he is also an established livestock farmer.
He keeps various animals, including cows and goats. When asked whether he sold off his farm to afford the vehicle, he clarified that he did not sell all his animals.
He said he views livestock as a strategic asset that provides support when one needs financial assistance.
"Sijasema kwamba niliuza mifugo wangu wote... what are they for? To help you in your life wakati unahitaji support." He clarified.
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