Achieving a comfortable lifestyle often involves developing multiple streams of income. With recent research by Sage revealing that 32% of 24–44-year-olds have a second job, and 68% of 16–34-year-olds engage in side hustles, the trend towards diversified income is clear. Financial influencer Jenny Okpechi, known as @savvymoneygirl, has successfully built a multiple six-figure investment portfolio, showcasing the importance of early investment.
Building a Robust Portfolio
Okpechi’s journey to a multiple six-figure portfolio underscores that success does not happen overnight. Raised in a traditional African household, she experienced cultural norms that often limited women’s financial empowerment. Despite these challenges, she began her financial journey at 16, focusing on intentional money management.
“I started very young by getting intentional with my money,” Okpechi shares. She began with treasury bill investments, offering an annual return of 20%, and gradually expanded her knowledge in business and financial management. Her approach was rooted in meticulous budgeting and consistent savings, eventually transitioning from savings to investing in assets like treasury bills, commercial papers, corporate bonds, and stocks.
“Over time, thanks to compound interest and consistent investing, my wealth grew,” she notes. Okpechi managed to sustain her journey by treating wealth-building like a long-term relationship, emphasizing commitment, patience, and regular financial check-ins.
Diverse Income Streams
Today, Okpechi’s financial success is supported by eight income streams. These include her main role as a Scrum Master and a part-time job as a healthcare assistant. Digital products such as eBooks and finance guides, along with sponsored content, form other income streams. Her investments span real estate investment trusts (REITs), stocks, and index funds, with dividends reaching five figures at times.
Okpechi is also involved in affiliate marketing and content creation, currently developing Moneybestie, an AI-powered fintech app focused on financial literacy for women and girls. “I pay myself first and invest consistently,” she explains, stressing the importance of understanding one’s investments.
Advice for Aspiring Investors
For young people starting their investment journey, Okpechi advises beginning small but smart. Tracking spending, maintaining a budget, and living below one’s means are key strategies. She emphasizes acquiring valuable skills and avoiding bad debts, suggesting a monthly investment as low as £25.
“Time in the market beats timing the market,” Okpechi points out, highlighting the benefits of compound interest. She also warns against lifestyle inflation and encourages learning about personal finance as a path to freedom.
Okpechi recommends resources like Nasdaq, Seeking Alpha, and Dividend.com, alongside books such as ‘The Richest Man in Babylon’ by George Clason and ‘Rich Dad Poor Dad’ by Robert Kiyosaki, to aid young investors.
Challenges and Overcoming Barriers
Throughout her journey, Okpechi faced significant challenges, including unlearning traditional African views on money that prioritize male heirs. She also battled imposter syndrome and gender stereotypes in finance and technology, industries traditionally dominated by men.
Juggling multiple roles and resisting peer pressure were additional obstacles. “I learned to forgive myself for financial mistakes,” Okpechi says, advocating for open discussions about money to break stigma and promote growth.
Note: This article is inspired by content from https://www.euronews.com/business/2025/05/31/how-a-financial-influencer-built-a-multiple-six-figure-portfolio. It has been rephrased for originality. Images are credited to the original source.