It’s taken years to undo internalised feelings of lack and brokenness.

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Photo by Allef Vinicius on Unsplash

I was 8 years old, getting dressed with my family for a big night out, a banquet to honour a teacher who played a big part in my life and the lives of my siblings. The house was a flurry of activity, and I saw this as an opportunity to get really dressed up. We piled into the car and made our way to the hotel.

It was only when we were all sat around the banquet table, that my parents realised that I had covered my cheeks with my mother’s rouge makeup. Some people laughed, others were angry, and…


I’ve given up trying to cram as much information in.

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Photo by Gaelle Marcel on Unsplash

It’s that time of year for lists. Dammit. Here we go.

Spotify already started with a list of the songs I consumed during this year of terror and lockdown. Pretty soon, there will be lists of what people did to keep themselves sane in 2020, which hobbies they picked up, the most popular side-hustles, the TikTok challenges that captivated the internet.

And there will be lists of books. By Bill Gates or Barack Obama. Oprah, for sure. Then everyone else will chime in with the 52 books they managed to…


Guess what? I realised that I wasn’t and here’s what I’m doing about it.

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Photo by Chris Benson on Unsplash

I tend to see myself as an open-minded, well-informed guy, your typical progressive, queer liberal who is sufficiently ‘woke’. So when I received Glennon Doyle’s highly-recommended book “Untamed” on my doorstep, courtesy of the Amazon contact-free courier, I surprised myself when I had a momentary but pronounced knee-jerk reaction to the inside cover.

It read “Untamed will liberate women — emotionally, spiritually, and physically”. What was this book doing in my hands?”, I asked myself. Had I completely mis-read the recommendation? …


It almost never works out well.

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Photo by John Moeses Bauan on Unsplash

I sat across the dinner table from two people who I knew casually from work. “Don’t worry guys, it’s my treat”, I blurted out. The bill arrived, between the 3 of us, it was $75. Without any hesitation, I reached for my wallet, and pulled out the new Capital One credit card that I got in the mail 2 weeks before.

“Oh, OK” they responded awkwardly. We’d just finished a meal at a new restaurant nearby, situated in the Chicago suburb where we worked for the same logistics company. I’d convinced myself that I…


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Image courtesy of Eric Froehling via Unsplash

Black people care about our futures. It’s why our lives matter today, so that we can fulfil our dreams tomorrow.

The whole world is waking up to the reality that racism and anti-blackness are real. Not only are they real, but they are ugly and pervasive. And we’ve seen that they can have lethal consequences. While the shock and horror of seeing a black man killed at the hands of law enforcement officers has propelled the world into righteous outrage, protests and demands for change, another reality has become very clear.

People of colour, and in most cases black people…


After years of struggling with debt, I now understand its pitfalls and its power

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Photo by Sora Shimazaki from Pexels

I don’t know about you, but receiving a new credit card used to fill me with such delight. Those card companies knew exactly what they were doing.

The look and feel of the plastic card would leave me stunned for a few seconds as I’d flip it from front to back. Ever notice how credit cards have gotten more slick-looking, with crisp logos and designs? You can even get them personalized these days. They’re meant to excite you.

Excited is exactly how I felt when, at the age of 16, I received my very first credit card. …


According to older people, even one of these things could have drastically changed their lives.

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Photo by Helena Lopes from Pexels

I’ve spent quite a bit of time speaking and working with people in their 30s, 40s and 50s who are concerned about money. How to make more of it. How to keep more of it. A lot of those conversations focus on what they’re doing today and what they should be doing tomorrow to change their situations.

However, I know that there’s an underlying current of regret. …


Home-ownership is important, but bridging the wealth divide can happen quicker. Here are six ways to do it.

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Photo by Marcos Paulo Prado on Unsplash

Growing up, almost everyone I knew owned their home or lived in a home that their family-owned. It was a symbol of many things, including stability, pride, and responsibility. As a kid, I took for granted that this place where my family spent so much time, was just a fact of life.

I didn’t know it at the time, but not everyone could really afford their homes. Some people were struggling to make ends meet, but keeping a roof over their family’s heads was a top priority. No lengths were too far to maintain their family’s security.

There were many…


Instead of a career killer, it can be a pathway to career success

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Photo by LinkedIn Sales Navigator on Unsplash

We’re not supposed to cry at work. At least that’s the wisdom I grew up with during my professional life. In the office, in the classroom, out in the field — wherever we spend those hours of the day in gainful employment, that’s not the place to be openly emotional.

It’s just the order of things, right? No one wants to see their colleague collapsing in a puddle of tears. It’s awkward being on the receiving end of your manager’s oversharing.

Yet, I’ve found myself opening up to people at work, on more than one occasion. Intimate conversations. Large groups…


Who would leave paradise? Blame it on the earnings and wealth-building potential of the capital markets

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Photo by Elizeu Dias on Unsplash

Whenever I mention to anyone that I left The Bahamas (where I was born) to relocate to the UK (I currently reside in London), I’m met with the same 1–2 punch of a reaction.

“Ooh, The Bahamas, how exotic” followed by “what the hell are you doing here?”

I always expect this “what’s wrong with you” reaction because I understand the collective perception of what it means to come from someplace that everyone equates with leisure and natural beauty. Sandy white beaches, rum-infused cocktails, smiling faces and Caribbean-sounding accents all characterise the ideas that most people, certainly those living in…

Kayus Fernander

Look at me, I'm a writer! I love teaching people about money, using my mistakes as what not to do. Hey, and I like speaking in public for fun.

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