Financial experts have encouraged Ghanaians to become more intentional about how they earn, save, spend and invest their money, stressing that financial literacy is essential to achieving long-term financial stability.
The conversation was made during a panel discussion at the Cedi Sense Conference 2026, held on the 7th of Novemberat ESP Hotel. Cedi Sense, brought to audiences by TV3, seeks to equip individuals with practical financial knowledge and insights to make informed money decisions.
The discussion featured Jerome Kusi, a Chartered Accountant and Market Economist, Desmond Bredu of Stanbic Investment Management and Priscilla Atta Peters Financial Literacy expert and content creator,30 seeds, with Beatrice Adu serving as moderator.
Opening the discussions, moderator Beatrice Adu highlighted the importance of understanding personal finances, observing that while many people earn good incomes, they often lack the knowledge and discipline required to manage their money effectively. She challenged participants to reflect on how they allocate their income and whether their spending habits align with their financial goals.
Jerome Kusi emphasised that saving should be a deliberate and consistent practice, adding that individuals must adopt saving strategies that reflect their income levels and financial circumstances. He encouraged participants to explore different approaches until they identify a formula that works for them.
He also highlighted the importance of automation in saving, suggesting that individuals could set up standing orders to transfer money into their savings accounts once they receive their income. He referenced digital savings options and platforms that can help individuals cultivate consistent saving habits.
On the subject of making money in the digital age, Priscilla Atta Peters encouraged participants to recognise the opportunities available through technology and social media. She urged individuals to make productive use of artificial intelligence tools by asking meaningful questions about how they could improve their livelihoods and make better use of their skills.
She further encouraged participants to explore digital platforms such as TikTok, stressing the need to work smart, identify opportunities and avoid limiting their potential when it comes to earning an income.
The conversation also explored how social media users could move beyond consuming content to creating it. Jerome Kusi shared how his experience on Twitter, now X, inspired him to establish Cedi Talk GH, a platform through which he began sharing financial content.
He encouraged individuals to identify their areas of interest, develop a niche and use their online presence to contribute meaningfully to conversations. He noted that people do not necessarily have to be experts before sharing useful perspectives, as learning and improvement can happen along the way.
The panel also highlighted the role of financial education initiatives in helping people make informed decisions. 30 Seeds was mentioned as a resource offering education on saving, investing and financial advice, with its services available to the wider public.
The discussion reinforced the importance of developing healthy financial habits, embracing digital opportunities and taking personal responsibility for financial growth.
Through conversations such as these, the Cedi Sense Conference 2026 continues to create an avenue for practical discussions on money management and financial literacy, encouraging participants to take more deliberate steps towards building a secure financial future.
By: Mary Obeney