Dar es Salaam, July 22 -- WHEN most people think about financial wellness, their minds often go straight to income—Do I earn enough? Am I saving enough?

But true financial wellness goes beyond just earnings. It encompasses a sense of security and control over your money, your ability to handle the unexpected, and how well youre prepared for the future.

There are three key foundations that support this kind of stability—and the good news is that they are not complicated or out of reach.

The first is protecting your income. For many of us, the ability to work and earn is what keeps everything running—from putting food on the table to paying school fees.

But life is unpredictable. Illness, accidents, or unforeseen chall...