Navigating Economic Challenges: Strategies for Kenyan Employees and Investors

Navigating Economic Challenges: Strategies for Kenyan Employees and Investors


The COVID-19 pandemic has reshaped the way we work, introducing the era of remote working and hybrid work arrangements. As Kenyans grapple with soaring living costs and escalating taxes, finding a balance that ensures both employees and employers thrive is essential. This article explores strategies for Kenyan employees and investors to survive and thrive in these challenging economic times, drawing inspiration from global practices.

Embracing Remote Work

One potent solution to mitigate the financial strain on employees and employers is the adoption of remote work or working from home. This approach has several advantages:

Reduced Commuting Costs: Remote work eliminates the need for daily commutes, saving employees money on transportation and reducing traffic congestion.

Lower Overheads: Employers can significantly cut costs related to office space, utilities, and office supplies.

Enhanced Productivity: Remote work has been proven to increase productivity, offering a win-win scenario for both employers and employees.

Several countries, such as the United States and Canada, have fully embraced remote work and continue to invest in the necessary infrastructure and policies to support it.

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Transitioning to Consultant Arrangements

To alleviate the burden of high taxes, employers can explore transitioning their employees into consultant roles. This shift would mean employees become responsible for their taxes, primarily through Withholding Tax. This can benefit both parties in the following ways:

Tax Savings: Employees may have more control over their tax liabilities and can potentially reduce their overall tax burden.

Flexibility: Consultant arrangements offer greater flexibility, allowing employees to manage their finances and tax obligations more effectively.

Countries like Australia have successfully implemented consultant arrangements, providing a template for Kenya to consider.

Efficient Transportation and Cost Management

Employees can take proactive steps to manage their finances during tough economic times:

Public Transport: Opting for public transportation can significantly reduce commuting costs compared to private vehicle ownership.

Eco-Friendly Commuting: Consider cycling to work, promoting both savings and environmental sustainability.

Financial Discipline: Avoid unnecessary loans that could negatively impact your monthly income and paychecks.

Homeschooling: Explore cost-effective homeschooling options to manage educational expenses.

Survival Strategies from Around the World

Kenya can draw inspiration from other countries facing similar economic challenges:

Canada: Offers extensive tax incentives for remote work and provides financial support to families for homeschooling.

Singapore: Implements a progressive tax system with lower rates for consultants, promoting tax efficiency.

Denmark: Prioritizes cycling infrastructure and public transportation to reduce commuting costs and environmental impact.


In times of economic hardship, Kenyan employees and investors must be proactive in finding creative solutions to navigate the challenges they face. Embracing remote work, transitioning to consultant arrangements, and adopting cost-effective commuting methods are essential steps. By taking cues from global practices and fostering a resilient mindset, Kenyans can weather these tough economic times and emerge stronger than ever. As David Ndii aptly put it, it’s time for us to take charge of our destiny and find ways to survive and thrive in this ever-changing landscape.

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