At the age of 12, Macharia, a passionate lad from Kerugoya, 128 kilometers from the capital Nairobi, paved his road to finance. He fell in love with banking, following the introduction to the phrase "Other People's Money" by an uncle in the sector, at high school when he studied the stock market as part of his commerce studies. He was managing people’s money at 19, running banking technology projects at 22 and teaching finance at 23. In 2008, his business collapsed following the uncertainty of Kenya’s violent 2007 general elections. The stock market dropped and his clients pulled their money, leaving him in debt at a tender age of 22. He was forced to take a job as a product designer.
Macharia went back to investing and personal finance planning. He built PesaTalk but in 2012, following a disagreement with venture capitalists, he walked away from the largest consumer business news site in Kenya. In 2014, he founded Abacus, a financial services company which has grown to over 3,000 investors.