Rude money habits | Episode158

Seeing someone spoil themselves should definitely not be an invitation for you to start asking them for money 👀 yes baby that’s actually considered VERY rude and you should change that !! 😮‍💨
On todays episode we’ll be discussing rude money habits that so so many people have and if you know one point talks about you just stop it 🫢
Let’s all gather in the comment section and share your own points as well… Don’t forget to enjoy the episode! 😊
KZbin: TMI Podcast KE - / @tmipodcastke
INSTAGRAM
TMI Podcast KE - ...
Lydia KM - ...
Murugi Munyi - ...
TIKTOK
TMI Podcast KE - / uc6fvfxrbf0hdrw3b2mdwfga
Lydia KM - / ucuutrxz1bujg6daywcc6hpa
Murugi Munyi - / murugimunyi

[@nzilanikimani7139]

I’m with Lydia on this! I was once invited for a birthday lunch and I happened to get there a little late. I had budgeted for my meal, my drink and the birthday girls lunch split, I had budgeted for like 7k.. wuehhhh! These girls were having shots upon shots, cocktail upon cocktail and even sending shots to girls at another table, plus the starters and drinks they’d had before I got there! Let me tell you Maina! The bill came and lo and behold! Each person was expected to chuck like 15k!!!!!😅I was the one saying aaaah I’m sorry that wasn’t in my budget. Unfortunately the other ladies weren’t understanding and they were like this is how we do! I was like no! I’m not about to pay for drinks and things I didn’t partake! So no! If you eat and order something..be prepared to pay for it and not get carried away and split the bill equally! No ma’am!

[@imungukalevera8671]

@@nzilanikimani7139 but why weren't they ashamed asking you to cover their costs?

[@millionairess3723]

Preeeeach!!

[@eveokundi4224]

I agree 💯. Every individual should take up responsibility for whatever they do or are about to do. You did well.

[@poisegrace]

I agree 100%!!!

[@davywambui4335]

"...seeing someone spoiling themselves is not an invitation to borrow them money...."

[@graciakinyanjui6937]

Exactly

[@mleyamathenge5]

Louder please🎉

[@RuthNyamburaKahura]

increase volume please.

[@DignaK]

Splitting the bill, 100% agree with Lydia. People have very bad money habits. Splitting the bill equally has ended more friendships than not. Let everyone pay for their food please.

[@ROSEGICHIA]

Lyd has a point. Splitting the bill is NOT broke energy.

[@sharonsoi]

Lydia definitely would be such a great human to go for brunch with...😊😊😊...she makes so so much sense...also what she said about Rhotimmi and a free ticket thing coz Lyd was pushing his event on her platform... that's some great personality...Murugi cracking me up all the damn time😂😂😂

[@annmunyi901]

It's 2024! We're not splitting bills. Pay for what you partake.

[@Traceywangu]

Lydia is a really considerate human.☺️ You can just tell 🤗 ....

[@DorisWandia-m4w]

Not Lydia calling Murugi out 😂😂😂 you don't give off that energy 😂

[@Marcellah11]

Millionaires do not have poor money boundaries, that is the fastest way to NOT be a millionaire. 😅

[@n.w.2757]

You only split the bill if the food was around the same cost. Just because all of your friends are in the same money bracket doesn’t mean you can say that they have money! That extra 3k from splitting the bill could have been used for something else that they have budgeted for towards something else. Just because I might make 100k doesn’t mean I’m looking to spend 100k. If that makes sense

[@stacymueni4774]

I have very very weak money boundaries. And listening to this conversation, I now realize that I have enabled my friends and family to use me. Am the kind who will go out with friends, pay all the bill n expect them to send me their share; and when they don’t I get angry n never ask them… and still repeat that the next time 😢😢😢. I will heal coz this is crazy… I think this originates from people pleasing, coz am like Murugi. Never want to start those small small calculations on the table when the bill comes. It’s such an uncomfortable situation for me btw 😢

[@eunicewacira6301]

Me too gurrrrrrl

[@marywambui6552]

l agree with Lydia💯There is no way l will spend 2k and the other person spend 5k and at the end we have to split the bill🙄NOOOOOOOO

[@Spinkly]

I literally got up and searched for the video on my device so I can comment exactly this, since I was watching it from my TV 😂 Same words!!! I CAN NOT!!!!

[@LadyPosh_254]

If i didn't tell you the bill is on me, please babe take care of your bill, I'll take care of mine & that's my money boundaries. If we have to split the bill we must have a conversation beforehand coz there's no need of anyone feeling pressured. Money expectations is one weight i hate to carry .Money is the easiest & the fastest way to enemity

[@dorahmulinge3800]

Crazy how some people can't understand this. Also, some people call us cheap for this. If the bill is on me, I'll let the other person know abt it beforehand

[@LadyPosh_254]

@@dorahmulinge3800 exactly girl. There's no need of having money tension while enjoying ourselves, & if you tell me bill is on you I'll let you order the drinks not just having remy Martin cognac & i expect you to pay

[@shelmithmuthoni3841]

Oh my Lydia is so sensible and sensitive, I saw her at Milly chebby's birthday and felt healed as she arrived ❤

[@nasrialii]

Murugi has an open-book vibe about her that has a pull❤️ I love listening to you ladies.

[@didiash]

Yup I relate so much with her...cos I don't have time to remind people mind. I like open and honest conversations

[@Mamafabiii]

GOD OF Murugi please locate me!!!Murugi I want your problems😊

[@irenenduku4043]

“ Not everyone wants to get it for cheap!” And I ooop! ❤❤❤ wisdom right there!

[@wambuimuthoni4221]

Always here to listen to Murugi, If this woman would vie for a president, i think she would win.

[@valerymathenge1873]

❤p

[@imungukalevera8671]

Billionaires respect ten shillings the way they respect a million shillings. So in my opinion there is no shame in paying your fair share at a dinner table and paying for what you had. I am sure the person who had more doesn't mind having others pay their share when it is split equally but does the friend who repeatedly has to pay more for others feel that that equal split arrangement is fair? Broke energy is relying on other folks to top up more than what they had to cover the expensive taste of another. I am fairly well compensated but I will pay for my consumption because I feel that is me keeping better track of my spending.

[@khamisfatmabakari7738]

PERIOD!!! I LOVE THIS PERSPECTIVE!

[@doctordeeM]

THIS!!​@@khamisfatmabakari7738

[@Warfield_311]

Well put

[@Candy.babe.__]

My sentiments exactly!

[@brianthomasM]

This episode is a whole social experiment! You can CLEARLY tell the differences in money personalities between Murugi and Lydia. This was very raw and you can tell the honesty. Having friends from different backgrounds (extremely wealthy to extremely not wealthy) has taught me to be more considerate. I lean a lot towards Lydia's money personality. Funny how both Murugi and Lydia come from almost the same money upbringing.

[@Cherilyn_Mugisa]

Murugi looks so good in black 🔥

[@Pink_dots]

I want to live in a world where people's minds operate like Lyd's🤭🤭FR she is a gem

[@didiash]

Read or travel more I think it's basic (standard thinking) but you won't know until you travel and experience things more

[@winnieroze]

I have zeeeerroo shame of passing the bill around as we split. At the end of the day it's so unfair to be entitled with someone's money and make them pay for more than they spent

[@sunshineheaven1802]

I really look forward to a time when we can have healthy money conversations without ever feeling like we are in a tight spot; I will not go out and pay for anyone's bill again if I never told you, I used to pick up tabs when I was younger and had no boundaries. Why do I have to pay 4,000 when I consumed 2,500. A platter, a whole bottle of a drink is different Joan! That is one shared meal, but different meals as in, to each their own. I want to burst this myth, Joan, millionaires get their own bills and that is why their never go broke, they are not paying bills because they are rich. That is a poor money habit, I have heard even Mark Cuban say this. A very bad habit. That is what encourages people to be entitled. And if you examine the cultural differences of Black people, you will notice this mentality; the friend or relative that has more is expected to pay, pick up, and care for everyone's bill all the time. We definitely need more financial literacy as a people.😊 I agree with Joan to only ask people you are close to to lend you when you need the money. Fuel the cars if they give you lifts all the time especially if it is out of your way.

[@lilianwaithera1157]

I want to talk about money the way Murugi does, girl💅🥰

[@joygacheru8563]

We for sure need an expert to tell us where the line between rich girl energy and lack of boundaries and vice versa is...

[@doctordeeM]

Unfortunately Murugi, those billionaires cannot be spending those 'few' coins carelessly. Girl, on this you're wrong. You manage 'small' money poorly it reflects even when you have much.

[@MissMaritime1]

I think everyone should pay for what they eat and drink! It's not fair to assume that a friend is able to cover beyond what they chose to have. Even if they 'look' like they can afford more. Just because someone can, doesn't mean they should.

[@mercykikoma9217]

Learning & Relearning Money & money boundaries..👏👏Anytime....love it Lyd & Murugi

[@gathonimuriithi8418]

I agree wth Jo, I don't care for small bills. Pay today, I pay tomorrow.

[@annkangethe3943]

The wisdom in Lydia is on another level❤

[@JustVibes600]

Facts ❤

[@Eguwe-c7l]

I’m with Murugi regarding Mondays work ethics 😂 your whole is week is yours to enjoy! 😎

[@justinelove7816]

I agree with Lydia about splitting bills. Let each pay for what they spent.

[@sunshineheaven1802]

Why do we, as Africans, need reasons for people to pay us back? If someone lends you money, you borrow the money and know you have to return it on a specific date, but you do not honour the date. Why do I have to first tell you a problem I am trying to solve, the need for the money, and the urgency? Please lets pay when we say we would pay regardless of whether the people that gave the money are well off or not.

[@quinteryoung2989]

It becomes exhausting to keep reminding someone who owes you money to pay you back.

[@trizahmotuka8189]

The only thing that works is lend what you can lose ie consider a donation or charity.

[@sunshineheaven1802]

@@trizahmotuka8189 True, I learnt this. Very helpful.

[@sunshineheaven1802]

@@quinteryoung2989 extremely, but I know better now. No lending what will bring me stress.

[@sunshineheaven1802]

@@trizahmotuka8189 true, in my 20s I was like Joan, I did not mind paying the small bills for people, I had no money boundaries but it put in terrible financial spaces. But also, I never did it with only friends, I did so with acquittances. I was young, unguided and naïve, I now know better, got good financial literacy classes.

[@yvonnemurugi6795]

i love murugi on this infact she makes my life easy coz most of things i purchase is all thanks to her mentioning prices and where to get. Thanks murugi lot of love.

[@pascalinemigwi2968]

Just tell the waiter from the beginning separate bills 😊period

[@themuyabliss]

To avoid that awkward “calculator moment” when paying bills, this is what my friends and I do: One person pays, then they(the person that has paid) keeps the receipt. So the next day, they send everyone their bill. So we send the money to whoever paid. I hope that makes sense. You will never see us doing calculus at the restaurant/club. Disclaimer: You can only do this if there’s money-trust within the circle. You can’t do this with flimsy people!

[@kinyagrace9405]

😅😅😂thank God for the disclaimer….people have shown me dust

[@themuyabliss]

@@kinyagrace9405 I once saw dust with this because I trusted a newbie in the friend group 😂😂But that was on me.

[@SO-xi6vm]

@@kinyagrace9405facts

[@esthersserwanga]

Totally agree with Lydia on the bill splits. Let’s just respect each others money boundaries, even if mine is I don’t want to spend and I don’t want you to pay for me.

[@reminjio2959]

Loved Lydia's points very mature, considerate, sensible and how politely they came across. Your way of thinking is so admirable😘

[@dorahmulinge3800]

Splitting the bill isn't broke energy. I'll forever stand on that hill Splitting the bill is what creates entitled people. Smts someone is actually full. They drink a milkshake ya 500 but you had food and juice ya 1500 and you want me to cater for you?? Also, in this scenarios you find that you're in a grp. Eg, you're travelling as friends and had some lunch. Ama churchmates you decide to go have some lunch. Obviously everyone for himself.

[@graciakinyanjui6937]

tt's rude to ask how much money someone else makes, and it's also disrespectful to share how much money you make unless there is a good reason to do so, i.e., someone is looking for a job in your field and wants to know a typical salary range. But, again, this can make people feel uncomfortable.

[@JJ-to3zf]

I am about to start using the phrase " I am addressing that in therapy"😂😂😂 mind you I have never done therapy

[@JJ-to3zf]

When Murugi was like can't people just do the right thing, like the truth is people take advantage of those who can't speak up.

[@VirginiaMutahi]

its definitely very hard to say you don't have money, but I also feel it gets easier if the friends are close friends. I mostly DM on the side and if I am completely unable to speak up, I end up in debt. Its an area I am intentionally working on right now Lydia I am with you on budgeting. If its not a big difference that's okay, but a big difference!? But maybe when I become a billionaire the conversation maybe different 😅time will tell.

[@Han-wt4vg]

I also tip only when the service is great. There’s a time I went out for lunch with a friend and she got mad coz she wanted BOTH of us to tip.I felt the service was nothing out of the ordinary so I wasn’t going to tip but she wanted us to split the bill right down to the tip 🤔 it was so strange. I also later realized that I pick the tab most times, it’s either that or we’re splitting the bill, I was like no, not doing this anymore ✌🏽 people can be weird about their money

[@foreignshowreviews]

The more money you make you should be more afraid they all come out of the woodwork for help! When you are poor no one’s bothers you!

[@maureenkimathi8764]

I agree with Lydia on this one. Everyone should pay whatever they partook unless the bill was somewhat equal. Clearly Murugi is speaking from a place of privilege and has never been at a place where they need budgeting especially a large group. I remember I was part of a group where we did a baby shower, we had agreed to split the bill as the food was relatively the same and some drinks. However some people in the group started ordering bottles. And they drank alone. By the time the bill was coming, everyone was to remove 18k. We refused. The ones who took the bottles were to pay it themselves as they did not even involve us, and those of us who had food and cocktails, the bill was 5k. Until the manager got involved, the cops were almost being called for our lack of agreeing. In the end, the bills were split, and everyone paid for exactly what they took. After that large groups and food is a no please., unless it is agreed upon initially everyone to pay for themselves. The waiter will be informed beforehand whether to split the bill or bring one bill.

[@RuthNyamburaKahura]

hahahahaha.... omg 🤣🤣🤣🤣

[@maureenkimathi8764]

@@RuthNyamburaKahura embarrazment is an understatement. That venue am sure have never forgotten us🤣😂

[@Foodart-254]

On splitting the bill am 100%with Lydia because It's very easy to manipulate Murugi.Our friends are manipulative

[@cwmuiruri]

I have to agree with Murugi on this issue of splitting the bill. Close friends are like family and we can always alternate or even treat each other.

[@edeljonnes]

Always order what you can pay for, unless they were very clear on paying for your bill. Don't loan any money you're not comfortable not getting back.

[@ekrahmatu2799]

I always say sometimes you release people from your life permanently when you give them money

[@sylviagathoni1417]

Agreeing with Lyda, I have avoided friends cause even if someone is willing to pay a bill I am not comfortable being paid for more than once, to me it building up as a loan, and i dont like loans so i only go where i have the budget and i stick to my budget no dividing with anyone.

[@natumanyadaphine9088]

When iam invited out for lunch,i make it a point not to go all out to over spend, unless it is my hubby where i can have anything without blinking. People have to be sensitive. See the embrassment you put yourself into

[@hinesightmind]

My love language is gifting and giving gifts. In my current relationship, we discuss the budget. Call me COAL digger, but yes, you won't subject me to pretending i like the gift and I don't.

[@joycemburu8041]

Susan Wanjiku is a good financial expert.

[@brianthomasM]

Unfortunately I am exactly the same as Lydia on this but I ASPIRE to be where Murugi is Oh My God. And lowkey I feel like that mindset attracts even more wealth. Pesa Inakuzoea. But at what cost? Money In, Money Out. Think about it?

[@alliah3548]

When it comes to splitting bills, I'm with lydia 💯

[@annkioko5916]

I wanna be Jo so bad in terms of money vibes😄😄😍😍😍

[@minkrasi]

Am with Lydia on the not splitting the bill!

[@ruthmboya7821]

Splitting bills is not broke energy. Actually Lydia paying your end when Murugi picks up the tab might be one of the reasons the froendship has lasted. She may be able to pay for all the lunch dates but it's rude to assume. Murugi may say she never overthinks it but chances are that if you didn't pay back 3 or 5 times consistently, she would notice and would create awkwardness in that friendship.

[@angellia93]

Yes to this!!!

[@shikokariuki212]

Sorry Jo', standing with Lyd 💯 and 1 on money issues coz weeeh am not about paying and splitting bills with some thirsty humans out here, and not with this economy. Lov you guyz..

[@Vibes_tess]

I'm not the asshole for not wanting to split the bill yet I have spent less...Great episode guys

[@amiecate2]

Definitellly my favourite day of the week🎉❤Notebook ready to grab em points from my favourite ladies😍😍

[@wilsonnjuguna4976]

Very educative content..loving it more

[@jennifernjeri7340]

Jo needs to meditate on this 😂😂😂 It is still a grey area for her.

[@FRIDAHNGUKU]

Yes i need you to speak up. And i expect you to be okay when i speak up

[@Augenia]

Lydia is so kind and considerate❤

[@gracenderi8655]

Lyd spitting facts today🥰

[@joycemburu8041]

It's definitely Tmi. Favourite day of the week ❤🎉

[@FaineCasaulta-v8k]

Wow @ Murugi, you need some personal finance lessons.. or rather live abroad.. to understand Lydia perspective point of you… I was once like you but living in Switzerland has really shaped me in terms of budgeting and spending 😊

[@lynnieeve]

Wueh!Murugi,Wueh? To Lyd; I see where you're coming from...but are you? Thanks Lyd for being realistic and sensitive 😊

[@furniturezoolimited]

I am with Lydiah 💯, I will be with Lydiah even when I become a Billionaire.

[@samuelkamau1550]

the diversity of TMI Podcast, lv it😁

[@evelynk3781]

Even if i have more than enough money, I'm not going to pay more than I spent in the name of splitting a bill in order to fit in with those i have gone out with. I'm one person that spends in my means. I agree with Lyd. Love from Uganda

[@carolm4691]

Lydia you are so real on those splitting bills shenanigans....people loose gd friendships due to this....like can you be accomodative...the 2/3k difference could be a lot for someone. Pia stop taking your poorer friends at highend restaurants walai

[@shelmithmuthoni3841]

Thank God it's Wednesday

[@christine4396]

Okay, murugi's perspective on splitting the bill can really cause alot confusion. It's not even about 'think like a millionaire'.

[@kinyagrace9405]

😂😂😂ivy is the truth and the way indeed

[@lifewithwambuimuthaka]

😅😂Murugi start your award company ....and actualise all that😂😂

[@tmipodcastke]

🤣🤣🤣🤣

[@danielmiyaba8816]

Lydia your dresssssssssss

[@JustVibes600]

Guys but for real though, we need two episodes in a week 😢 waiting for a whole week seems like a year for real

[@annk1169]

With Murugi here! I said what I said!

[@poisegrace]

I am with Lydia on not splitting the bill!!

[@brendaogolla2599]

I'm with Lydia on this one. I'm like I don't really care how many bobs of a difference. Unless we've taken or ordered the same thing.

[@kemuntomatildah]

Happy to pay for convenience ❤❤ because time is really expensive

[@njeriperry]

How do you guys manage to speak English all through bila kuingiza swahili hapo😂😂Mimi sidhani kama naweza😢😂💔

[@samuelkamau1550]

its actually evident on your comment 😅

[@faithwainaina8504]

You can just practice and read books to expand your vocabulary

[@njeriperry]

@@samuelkamau1550 😭😭😭

[@Nucellacent]

😂😂😂😂😂😂😂​@@samuelkamau1550

[@ImmaculateIsaboke]

​@@samuelkamau1550😂😂😂😂😂

[@didiash]

Congrats to lydia on the win but we know murugi had to not be nominated so others can have an opportunity (ee all know if murugi was nominated she would have gotten it). But lydia you deserve it😇😇👏👏👏 everyone is influential in their own right😊

[@steffimacharia4776]

I agree with Lydia

[@lindachebet7029]

Leo ni tmi kesho ni holiday..life doesn't get any better

[@tmipodcastke]

Aaaah 🤭

[@mumbua004]

Couldn't get any better beiiiiby😊

[@SO-xi6vm]

I had a friend like Murugi and I was Lydia 😭😭😭the gaslighting…… I ended up stopping to go out with that group coz I felt used, it was so unfair fr ……… wue !!! The bills were always ridiculous…

[@FridahGithaiga-h5g]

We definitely voted i personally 🤗❣️

[@michelleaseka2701]

How much people are going to spend in general and who's giving what amount( some may give more if they're comfortable)should be discussed before going out instead of getting uncomfortable on site. If anyone wants to take something extra that's not on the planned budget that should be on them- How I see it

[@Cirukanyoro]

Being able to get a loan is not a sighn of wealth. People take bank loans through salary check off, they take Sacco's loans ,live in nice houses with 30yrs mortgages,have car loans for the nice cars they drive. So outwardly they look wealth but if you take their net assets less debt they have nothing. Then they live paycheque to paycheque, some if their jobs ended they don't have enough to retain their lifestyle for the next three months leave alone six months. Outward appearance is not a true indicator of wealth

[@wakeshograce3049]

Debt financing allows individuals to leverage borrowed funds to invest in assets, expand their business(side hustles)operations, or pursue projects that could generate income or appreciate over time. When these investments yield positive returns that exceed the cost of borrowing, they contribute to wealth. For example, real estate purchases, business expansion, or investments in high-return projects often involve debt financing, which, if successful, leads to greater wealth accumulation. However, if the debt is mismanaged, used for depreciating assets, or if investments fail to provide adequate returns, it can quickly turn into a financial burden. High debt with poor returns drains resources, hinders wealth creation, and risks financial stability. In short, debt financing can be a pathway to wealth if it fuels profitable ventures but requires cautious management to avoid the risk of debt-driven losses.

[@Cirukanyoro]

​@@wakeshograce3049 what about debt to fund lifestyle. I agree with what you are saying. Debt to start a business. Debt to develop real estate. Most people I know are in debt to fund a lifestyle

[@JustVibes600]

Gosh i really waited, finally ❤❤🎉

[@maman_moon]

How about besties who borrow money from you and not respect the dateline they gave just assuming you will understand

[@RuthButta]

First one here 💵ready to learn

[@tmipodcastke]

Yaaaay 🎉

[@christabeladuda1382]

I love Lydia😂😂😂😂😂

[@NYAMBURAE]

TMI Wednesday 🎉🎉🎉🎉

[@tmipodcastke]

Yuuup 🥳🥳🥳

[@the_cool_trader]

I'm glad it's Wednesday 😃

[@crystaltwiri5725]

The “Why wouldn’t you pay the 3 thousand extra?” and “there are certain conversations that millionaires are not having”?!! I’m sorry that my bank account set up in a way that I can only afford to pay for myself in a particular season😭 If I spent 500, I’m not paying an extra 3k. It just doesn’t make sense

[@mrnzimbi4932]

TMI 🎉❤