Buy the book HERE
There comes a moment in every young Ugandan’s life when the thrill of graduation gives way to the harsh mathematics of survival. Rent. Transport. Airtime. Lunch. “Adulting,” as the younger generation calls it, comes wrapped in bills, deductions, and the quiet anxiety of realizing that a million-shilling salary is not the fortune it once seemed.
That’s where Miriam’s Million-Shilling Journey begins — not in wealth, but in that most relatable of realities: a payslip that promises the world and delivers far less. Miriam, fresh out of campus, steps into her first job with hope as bright as her new office blouse. But when PAYE, NSSF, and the company provident fund have taken their share, her take-home of Shs 600,000 feels more like pocket change than a paycheck.
.jpg)
Enter her retired uncle — part philosopher, part financial whisperer, who doesn’t so much lecture her as guide her, gently but firmly, through the labyrinth of personal finance. His is the wisdom of years spent watching people earn more than they ever imagined, only to die broke. He teaches her, and by extension the reader, that wealth has less to do with the size of your income and more to do with how you deploy every shilling.
Miriam’s story isn’t just a parable — it’s a mirror. The narrative unfolds in short, digestible chapters that could easily be read on a taxi ride or lunch break, each one building from the last. She begins by automating her savings, learning the discipline of “paying herself first.” Her uncle’s advice to treat each shilling as a worker that must bring home more shillings echoes like a drumbeat through the book. The result is a rhythm of small, steady progress: a SACCO contribution here, a side hustle there, an investment in a bond, then her first tentative steps onto the Uganda Securities Exchange.
The book’s genius lies in its simplicity. There are no intimidating spreadsheets or jargon-filled lectures. Instead, it takes global financial wisdom — the kind you find in bestsellers about the wealthy — and translates it into everyday Ugandan experience. You don’t need an MBA to understand it; you just need a willingness to start where you are.
By the time Miriam begins her journey into real estate and diversifying her income, you can almost feel the reader’s own confidence grow. The story cleverly mirrors the financial growth curve it preaches: slow, patient, and cumulative. Each page builds the mental muscle of clarity — that quiet but powerful understanding of where your money goes, why it matters, and how to make it work for you.
At just 50 pages, Miriam’s Million-Shilling Journey
packs a surprising punch. It comes with a companion workbook and practical work plans, turning theory into habit. For teenagers, young adults, and anyone ready to escape the paycheck-to-paycheck treadmill, this little book offers more than financial advice — it offers perspective.
It doesn’t promise riches. It promises discipline. And in that, it delivers something even more valuable — peace of mind.
Verdict: A clear, relatable, and proudly Ugandan guide to mastering money — one shilling at a time.
