Financial Freedom for Ugandans: Saving, Investing & Side Hustles w/ Audrey Tumwine Ndawula

In this episode of The Ugandan Boy Talk Show, I sit down with Audrey Tumwine Ndawula, Certified Financial Advisor, award-winning entrepreneur, and Founder of Hercents Consultancy Uganda, a leader in women’s financial empowerment.

This conversation dives deep into everything Ugandans need to know about money in 2026 — earning, saving, investing, mindset, side hustles, debt, and building long-term financial stability.

Chapters

00:00 - From Aircraft Mechanic to Podcast Host: An Introduction

05:50 - Audrey Tumwine Ndawula: Her Work, Exhaustion, and Podcast Discovery

12:25 - Why Investing Trumps Saving and Side Hustles Beat Salary Increases

19:41 - Pen & Paper Budgeting, Emergency Funds, and Treasury Bills Explained

31:25 - From Corporate to Empowerment: Audrey's Personal Finance Journey

37:59 - Outliving Your Money: Why Financial Literacy Struggles in Uganda

49:04 - Don't Assume Your Job is Forever: Breaking the Debt Cycle

58:30 - The Three Essential Steps to Better Money Management Today

01:07:12 - Unlock Your Income: The Side Hustle Masterclass and Future of Finance

01:16:42 - Quick Takes on Wealth, Life Lessons, and Podcast Wrap-Up

🎙️ About the Guest

Audrey Tumwine Ndawula is a financial educator passionate about simplifying money for the everyday Ugandan. She has trained thousands, spoken on global stages, and is shaping Uganda’s new money mindset.

📌 Side Hustle Masterclass (March 7th, 2026)

Don’t miss Audrey’s upcoming training on building successful side hustles in Uganda’s economy.

Follow Audrey for updates:

https://www.instagram.com/audreytumwine?igsh=YzZ3d2RtODdxNjd4&utm_source=qr

https://www.instagram.com/hercents_societyug?igsh=MWpwbnp2NjNvdWloeA%3D%3D&utm_source=qr

https://www.linkedin.com/in/audrey-tumwine-ndawula-mba-4a760196?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

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