About Monsege Katemo
My Story
There are three classes of men—lovers of wisdom, lovers of honor, lovers of gain
Monsenge is a Bachelor of Science (B.Sc) honors degree in accounting and finance (Plymouth University London), Association of Accounting Technicians (AAT) at Kaplan Finance London. And a Master Degree (M.Sc) international banking, finance and risk management (Glasgow Caledonian University).
In 2014, he founded Growth & Return Ltd, a forex trading company. Espoir has worked for ING Bank UK as part of the Global Syndicated Finance team. He used to advise international corporations and private equity firms on capital structures for transactions in debt capital markets and leveraged finance. With over five years of FX trading experience, Growth & Return has developed a sophisticated trading strategy that utilizes statistical analysis and advanced trading techniques aimed at delivering excellent FX investment returns for potential clients.
Trading Strategy
Our FX trading strategy focuses on long-term FX investments (with a horizon of over one year) and incorporates a strict risk management scheme. The strategy primarily targets G7 currencies, with a particular focus on GBP/USD pair trading, aiming to achieve an annual gross return of 20%–30%.
With 12 years of finance experience, I’ve worked with businesses of all shapes and sizes — from startups and scaling SMEs to well-established enterprises. I’ve built and led high-performing finance teams, helped companies refine their go-to-market strategies, and learned how to close deals without breaking into a cold sweat (most of the time).
Now, I’m here to help small businesses and entrepreneurs navigate sales, finance, and customer acquisition — whether you need help crafting the perfect pitch or fixing your financial strategy. I look forward to mentoring and supporting your business growth!
Feedback & Reviews
We value every reader’s experience and are proud to share the impact Smart Money Moves is making. Hear directly from those who’ve transformed their financial journey with the help of this book. Your feedback not only inspires us but also helps others take their first step toward financial freedom.
Finally, a finance book I could actually understand!
“Smart Money Moves broke everything down in a way that made sense—even for someone like me who always avoided money talk. I’ve already paid off a credit card and started saving for my first investment.”
— Ada M., Lagos, Nigeria
This book changed my mindset completely.
“I used to think building wealth was only for the rich. Monsenge Katemo’s guidance helped me set clear financial goals, and now I have a plan I believe in. Highly recommended!”
— James T., London, UK
Simple, practical, and powerful.
“I’ve read a few finance books, but this one stands out. No fluff, just real strategies that work. The budgeting tools alone are worth it.”
— Chidera O., Abuja, Nigeria
What Can I Do for You?
As a financial educator and author, I provide you with the knowledge and practical tools to manage your money wisely, overcome debt, and invest for the future. Through my book, resources, and speaking engagements, I’m here to guide you step-by-step toward financial independence—no matter where you’re starting from.
🎓 For Students and Young Adults
I help young people build strong financial foundations early. Whether you’re navigating student loans, your first job, or saving for your future, I offer real-world guidance to help you avoid common pitfalls and make smart money moves that set you up for long-term success.
💼 For Working Professionals
I empower professionals to break free from paycheck-to-paycheck living and build sustainable wealth. From budgeting and debt management to investing and planning for retirement, I’ll equip you with actionable strategies to create a secure financial future.
👨👩👧👦 For Families
Managing a household budget can be challenging—especially with children, bills, and future goals to juggle. I offer practical tools and clear advice to help families reduce financial stress, save effectively, and make informed decisions for a better tomorrow.
Need Advice?
Whether you’re facing a financial challenge, need guidance on saving or investing, or simply want to ask a question about the book, we’re here to help. Reach out and let’s take the next step toward your smart money goals together.