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Earlier studies in Kenya have shown that there is a low level of financial literacy. Repercussions of poor personal financial decisions do not only reflect in individuals but also affect the normal operation of the financial system and overall economic stability of a nation. This study will explore the ideas that, the poor and the middle-class work for money while the rich have money work for them, the importance of financial literacy, the need to mind your own business, taxes and the power of cooperation, the rich invent money and work to learn don't work for money. It is not how much money you make that matters, it's how much money you keep. Financial aptitude is what you do with the money once you make it, how you keep people from taking it from you, how to keep it longer, and how you make money work hard for you and also the idea that the single most powerful asset we all have is our mind. Rich people acquire assets, the poor and middle class acquires liabilities that they think are assets. The good news is that we can all move from poverty to prosperity.