For the first time in four years—since leaving my corporate job in 2021—I feel… unsure. Nervous. Anxious. Overwhelmed.
This isn’t the “I don’t know what I’m doing with my life” kind of feeling. It’s more like standing at a crossroad where both paths seem daunting, both promising in their own way. One path is familiar, safe, and steady. The other is bold, risky, and brimming with possibility.
When I walked away from the security of a monthly paycheck, I knew the road ahead would test me. And it did. I left not just a job, but a lifestyle—one that allowed me certain comforts, social circles, and a sense of predictability. In its place, I built TKO Financial Wellness & Advisory from scratch, with a mission to pioneer financial wellness in Lesotho.
The journey has been adventurous, anxiety-triggering, joyful, and fulfilling. But it’s also been one of the toughest seasons of my life.
The Sacrifices That Shaped Me
I moved out of a home I loved to ease the stress of a mortgage. Yes, the rental income covered most of it, but it came with its own headaches—tenant delays, repairs, and the emotional sting of leaving behind a space that symbolised my achievement.
I let go of financial stability and the lifestyle that came with it. My circle shifted. Some friendships faded. Invitations to events slowed.
And I embraced the unpredictability of entrepreneurship—late payments, erratic cash flows, months of abundance followed by months of drought.
It’s been humbling and, at times, deeply unsettling.
Why Relocation Keeps Calling
Since 2023, I’ve been drawn to the South African and global markets. Not because I want to abandon Lesotho—far from it—but because I know there’s room for me to grow.
South Africa’s financial wellness and content creation space, for example, is bigger, more competitive, but also richer in opportunity. I’ve registered TKO Financial Wellness in SA, explored property options, built networks, and am currently pursuing my Certified Financial Planner (CFP) designation and Financial Planning Institute ( FPI) critical skills application.
But here’s the thing: I’m keeping my head above water in Lesotho. I’ve built something meaningful. And yet, I can’t shake the feeling that I’m not operating at my fullest potential.
The Fears That Hold Me Back
Leaving Lesotho feels like leaving behind a legacy I’ve worked so hard to build.
Selling my home could free me financially and fund a new apartment elsewhere—but could I regret it?
Content creation is my heartbeat. After my trip to the US in 2023 to attend FinCon, the conference for personal finance creators, coaches, and money nerds of all stripes, I knew I wanted to lean into this work. I’ve invested in a studio, equipment, and production—but the return on investment (ROI) in Lesotho is limited.
And then there’s the consulting retainer I accepted for stability—a project that now takes more time and energy than it’s worth.
What I Want (and How I See It Happening)
I want to be in an environment where growth is inevitable, where competition pushes me higher. I want to:
- Grow my brand as a finance-media authority in Southern Africa.
- Host and MC industry events, lecture, speak on stages, and lead meaningful conversations.
- Build a diversified business model—courses, corporate wellness programs, digital products, coaching.
- Live a digital nomad lifestyle that allows me to work anywhere.
The path forward?
Finalise my plans to relocate, starting with the SA business permit, decide what to do with my house, secure an SA base, reposition My Money Adventures for the SA market, rebuild a financial runway, and… move.
The Gaps I Must Close First
Before I can leap, I have to bridge these gaps:
- Financial runway – Have 9–12 months of personal and business expenses saved, ring-fenced, and backed by transitional income.
- Housing decision – Decide whether to keep, rent, or sell my Lesotho home based on ROI and emotional impact.
- SA client base – Secure 2–3 anchor clients before relocating.
- Content strategy – Localise my messaging for the SA audience and partner with creators there.
- Consulting retainer – Shift to project-based terms or replace this income before stepping away.
- Support network – Build mentorship and accountability in SA, and keep my therapeutic support consistent.
Standing at the Crossroads
The safe path says: Stay in Lesotho. Keep what you’ve built. Grow slowly, steadily.
The bold path whispers: Relocate. Expand. Risk the comfort for the growth.
My heart is leaning toward bold. My head is reminding me to prepare. And maybe—just maybe—the magic is in doing both: building the bridge before crossing the river.
So, what’s next? I’m still figuring that out. But one thing is certain—I refuse to shrink when I know I’m meant to stretch.
If you’ve ever stood at your own crossroads, wrestling between the safe and the bold, I’d love to hear how you decided. Did you leap? Did you stay? Or did you find your own way of doing both?
Share your thoughts in the comments, or email me directly at tokiso@tkaynthebe.com Your story might be the nudge someone else needs.
