What happens when you do everything right and life still doesn’t follow the script? In this episode of Financially Incorrect, we sit down with Dr Gladys Ngetich, a Kenyan engineer, Rhodes Scholar, Oxford PhD graduate and former MIT postdoctoral researcher, to talk about the parts of success people rarely admit out loud. Gladys grew up in Kuresoi South, excelled academically at JKUAT, graduated with one of the strongest first-class records in her class, and went on to secure some of the most competitive academic opportunities in the world, including a PhD at Oxford and a postdoctoral fellowship at MIT. On paper, her story looks flawless. In reality, it wasn’t. She opens up about graduating top of her class and failing to find a job, being rejected repeatedly after Oxford, discovering how automated hiring systems quietly filter out even elite candidates, and why networking mattered more than merit in moments that shaped her career. We also talk money. The scholarships that gave her more cash than she knew how to manage. The years of reckless spending. The moment she finally learned to save. The Uber cars and Airbnb investments she made back home in Kenya. The books she self-published that quietly earned more than some salaries. And the decision, at 31, to walk away, travel across 13 countries, and sit with a mid-life reckoning most people postpone. This is a conversation about ambition, detours, financial literacy, burnout, and what it really means to build a life beyond credentials. If you’re a student, a high achiever, or someone questioning whether success is supposed to feel this confusing, this episode will stay with you.--------------------------------------------------------------------Access all our links in one place: https://lnk.bio/Financially_Inc💹 Ready to start trading?🔍 Who is FXPesa: https://shorturl.at/rWFqC🎓 Learn how to trade: https://shorturl.at/xR2Ye📊 Try a demo account: https://shorturl.at/izDMc💸 Open a live account: https://shorturl.at/Od2ux 🔍 Read more about Gladys here: 👉 https://www.gladysngetich.com/about--------------------------------------------------------------------Timestamps00:00 Introduction & Context06:56 – Meet Dr Gladys Ngetich: Oxford, MIT, and the life behind the CV09:14 – Her 2026 money goal and why intentionality came late10:44 – What her PhD was really about (in plain English)14:38 – How she joined a PhD project and patented research15:06 – Growing up in rural Kenya and learning that money was scarce17:30 – Unpaid labour, family sacrifice, and early money beliefs20:07 – Why she chose engineering and life at JKUAT24:02 – Chasing A’s, ignoring business, and living for grades26:35 – Scholarships, excess cash, and reckless spending34:33 – Graduating top of her class and still not getting a job37:52 – Online writing, first real income, and lifestyle inflation39:17 – The banking detour that taught her more than engineering46:28 – Discovering the Rhodes Scholarship and applying anyway52:19 – Life at Oxford: money coming in, none staying55:20 – Skipping a Master’s degree and going straight into a PhD59:38 – Post-PhD rejection, SpaceX dreams, and reality hitting again01:01:37 – Landing MIT, earning six figures, and moving to the US01:03:02 – Visas, pressure, and limits of working abroad01:04:05 – ATS systems and why great CVs get rejected01:10:08 – Turning 31, quitting suddenly, and a 13-country reset01:25:35 – Writing books, passive income, and unexpected leverage01:27:22 – Why she paused academia to learn money and business01:28:18 – Final reflections and closing
