kipseswa-bernard

[Eric @amerix]

The bed might be warm,

The sleep might be sweet,

The dream might have been entertaining,

But your higher purpose is calling.

Get up,

Get out,

Go pursue your purpose.

None will do it for you.

It is you vs yourself.

[Eric @amerix]

This new month has given you another opportunity.

Do not waste it comparing yourself to others.

Focus on one assignment at a time.

• One workout.

• One chapter.

• One sale.

• One disciplined decision step by step.

If you remain consistent, you will achieve results.

[Eric @amerix]

Good morning,

WAKE UP!

No one is coming to rescue you.

• Not the government,

• Not your friends,

• Not luck.

The life you want is hidden behind work, sacrifice, discipline, and consistency.

Today is another opportunity to move one step closer.

Get up and go after it.

[GISTE @ggiste]

Jana Deno aliuliza hii swali…

“Greetings! I am a BoM teacher earning Kshs 15,000 per month. My rent is Kshs 4,000 for a single room. I am 23 years old and overwhelmed with mobile app loans. How can I overcome them? Also, how can I manage my little salary because I finish it within a week and survive on Fuliza as I wait for the next salary?”

Most of you attempted to advise him. Some advice was good. Zingine ilikuwa Vioja Mahakamani… If you have a Gen Z friend following this discussion, unaweza waelezea Vioja Mahakamani ni nini na vile inaingilia hapa.

First and foremost, Deno’s problem is not unique. It is a problem millions of Kenyans are facing today. In fact, his income bracket represents close to 50% of Kenyans.

So what should Deno do?

First, he needs to get rid of all his mobile loans. Mobile loans are like cancer. They slowly consume you. Interest and penalties keep multiplying until you are financially suffocated. He needs to clear the loans as soon as possible and completely opt out of those lending apps.

Second, he must trace where his money is going. He needs to pick a piece of paper and a pen and write down all his expenses. Once he sees where the money goes, he can cut unnecessary spending.

Unaweza pata anapitia kwa mutura guy daily ashike ya 30 bob. That is around Kshs 900 per month. Then kila weekend anaweka Aviator Kshs 300. That is another Kshs 1,200. Then kutokana na frustration, anaingia local anapiga Chrome ya Kshs 250 Saturday na Kshs 250 Sunday. That is another Kshs 2,000 gone.

Small habits quietly drain people financially.

Third, Deno needs to create a budget. A budget helps you direct your money instead of wondering where it disappeared to. In his case, I would suggest the 70/30 rule.

He should live on 70% of his income and save 30%.

That means:

Monthly income: Kshs 15,000
Living expenses: Kshs 10,500
Savings: Kshs 4,500

With such a salary, lazima uwe serious na life. Hopefully ni bachelor.

Fourth, he needs to open an MMF account. The moment salary ingie, the first transaction should be saving the Kshs 4,500. He needs to build an emergency fund equivalent to at least six months of his living expenses.

If his monthly expenses are Kshs 10,500, then his emergency fund target should be around Kshs 63,000.

Fifth, he should enroll in free online courses or apprenticeship programs and start doing side hustles during his free time. Even small jobs can add extra income. Once he gains a valuable skill, he can use it to earn more consistently.

If he consistently saves Kshs 4,500 every month in an MMF giving an average annual return of 11%, after 5 years he will have around Kshs 359,000.

He can then use Kshs 250,000 to start a small side hustle capable of generating Kshs 500 profit per day. There are many businesses that can achieve this.

That would give him an additional monthly income of around Kshs 12,000–15,000.

From that extra income, he should save 70% and use 30% for personal needs or business expansion. That means he would now be saving an additional Kshs 10,500 every month.

At that point:

— Original monthly savings: Kshs 4,500
— Additional savings from side hustle: Kshs 10,500
— Total monthly savings: Kshs 15,000

Also remember, he still has around Kshs 99,000 remaining in the MMF.

If he continues with that discipline for another 10 years, he could accumulate around Kshs 3.57 million.

If he decides to invest the Kshs 3.57 million in an infrastructure bond earning 13% annually, he would be making approximately Kshs 38,675 per month in passive income.

It would take him roughly 15 years to completely transform his life.

And remember, within those 15 years:

— He could get salary increments
— Secure a better job
— Grow his side hustle
— Improve his business skills
— Build a better lifestyle

You have all seen that income is not always the biggest issue. What matters most is what you keep.

[Eric @amerix]

If you are an observant person,

A man who is keen, and concerned about his consciousness,

You will realise something unusual is happening,

There is a silent shift going on,

We are moving from an OWNERSHIP ECONOMY to a SUBSCRIPTION ECONOMY.

In a subscription economy, you own nothing, but you pay for goods and services which you consume,

For example,

Back in the 90s,

We bought and owned music hardware like cassettes and discs,

This ensured that the music hardware was yours and nobody would charge you a recurring monthly fee to play music,

We owned newspapers and kept them,

We bought and owned books,

We owned letters written to us,

We bought, and claimed ownership,

But this is changing, and it is concerning,

In a subscription economy, you own nothing, but you pay for it.

MKOPA phones and Electric bikes are examples of how we have lost ownership of what we have bought.

It will reach a time where,

• You won't make a call, unless you subscribe to a calling service, on top of buying airtime,

• You won't send an email unless you subscribe, or you will lose all your emails,

• You won't listen to music unless you pay a monthly subscription fee for streaming,

• You won't send a text or a WhatsApp message unless you subscribe to a monthly plan, or get used to annoying advertisements,

• You won't cook food unless you pay for a monthly gas subscription plan or pay double for electricity,

• You won't drink clean water unless you subscribe to a monthly water delivery plan.

Ultimately, you won't own land or a house or a cow,

You will own nothing, and you will never be happy.

You will become a slave of the subscription economy.

That day is coming.

If you are wise,

• Go to a rural area,

• Own land,

• Get solar,

• Sink a borehole,

• Keep poultry, cows, goats and sheep,

• Grow your food.

Don't sit in the city like sheep.

Freedom will be given to those who will defeat the subscription economy.

WAKE UP!

#ManDay

[Eric @amerix]

Men are full:

• Full of unpaid bills.

• Full of frustrations.

• Full of failures.

• Full of symptoms.

Be graceful to men.

They deserve peace of mind.

[Eric @amerix]

Men,

Also,

If your sister leaves babies at your parents' home and you refuse to feed them,

She will call you toxic and selfish.

She will be chaotic and a nuisance in your parents house,

She can fight your wife and even sell your parents' property.

#MasculinitySaturday

[Eric @amerix]

Men,

Similarly,

If your sisters are well-off,

Don't burden them with your problems.

If they offer to support your parents, that is good, it lessens your burden.

But don't disturb your sisters to care for you.

You are a MAN, take care of yourself.

#MasculinitySaturday

[Eric @amerix]

Men,

When your mother protects and pampers your family's lastborn,

Be ready to live with a self-entitled, reckless and irresponsible lastborn.

Nothing you help will satisfy him

• School

• Employment

• Money

Messed up by your mother as you watched.

#MasculinitySaturday

[Eric @amerix]

Leaders around Mt Kenya region should urgently

- Convene a meeting for MEN at Kirigiti stadium, Kiambu

- Stop the turning of coffee farms into malls and apartments,

- Stop the selling and demarcation of land

- Send men into farming from crop farming to animal farming

- Enlist all men into cooperative societies and SACCOs

- Fight Alcoholism fiercely and close all alcohol dens

- Criminalize prostitution and pornography

- Condemn betting and gambling

- Disincentivize single motherhood and incentivize father-led homes

- Eradicate Irish potato farming because they contain oestrogen that turns men effeminate

- Declare obesity & diabetes regional disasters and fight them ruthlessly from house to house

- Switch off all those vernacular radio stations that promote betting, debauchery, incitement and useless political gossip

- Ban the mushrooming of evangelical churches because they brainwash women and emasculate men

- Conscript traditional vigilantes like Mungiki into the mainstream security system and encourage traditional values and beliefs

- Declare politicians and the elites living in Nairobi as regional enemies who have failed the men, therefore limit them from addressing funerals and events

- Form an influential regional political party and ensure any politician who is not in it will not be elected

- Declare that in the next election, no woman shall be elected MCA, MP, Senator and Governor

Otherwise, there is a crisis, if not addressed now, the region will crumble.

[Eric @amerix]

Men,

Lastly,

There are these women at work who never stop talking,

They are always gossiping and eating,

They even know the boss has marital issues,

They are the first to say, "The workplace is toxic."

It is them who are toxic.

Avoid those women.

#MasculinitySaturday

[Eric @amerix]

Men,

When your family's lastborn is arrested for theft, violence or in a dingy drinking den,

Then you rush to bail him out,

Or,

He impregnates every girl in the village,

Then you send your mother money to bail him out,

You are teaching him that irresponsibility is rewarding.

When will you stop pampering a fool?

You also have a wife and children looking up to you for attention.

Let your chaotic lastborn suffer the consequences of being a mama's boy.

Step back and let the world teach him a lesson.

#MasculinitySaturday

[Eric @amerix]

Men,

In addition,

If you are the lastborn,

Be a responsible man.

Your parents & the homestead are your responsibilities.

It is the reason in Afrikan culture, the lastborn remains to inherit the home while elder brothers emigrate outside the homestead.

#MasculinitySaturday

[Eric @amerix]

Men,

If you are the lastborn,

You are the tailwind of the family.

Don't be a nuisance.

Respect your elder siblings,

Respect your siblings' wives and husbands.

Respect your parents.

#MasculinitySaturday

[Eric @amerix]

Men,

Therefore,

As the lastborn,

Take care of your parents' legacy.

Don't sell your father's land and property.

Don't misuse your father's name to con and hoodwink people.

Use your father's legacy to be productive.

#MasculinitySaturday

[Eric @amerix]

Men,

Every time you sleep with a colleague or employee,

She already has leverage,

You are now at her mercy,

In the event of disagreements, she will blackmail you.

She will expose and scandalize you.

She will even say you sexually assaulted her.

#MasculinitySaturday

[Eric @amerix]

Men,

When you see a woman live a flashy lifestyle,

• Flashy clothes

• Colourful trips

• Hobnobbing,

Yet, her parents are meek, and her home is modest,

Then avoid that woman.

She will stress you, cheat on you and even drive you to suicide.

#MasculinitySaturday

[Eric @amerix]

Advise someone once,

Remind him the second time,

Mention it the third time,

If they continue with their mess, leave them alone.

Just observe,

Let them drown in their own mess.

Then when they drown, and they seek your help, don't offer to help, you will drown with them.

[Eric @amerix]

The world is changing.

There is a silent seismic shift happening around the globe.

Global financial and tech systems are being dismantled from the grip of powerful unelected institutions like the EU, IMF and WORLD BANK.

Political power, military manipulation, medical influence and economic hegemony that have hitherto been unilaterally controlled inside unelected bureaucracies like the UN, WHO, NATO and NGOs are being dismantled.

The biggest win was the collapse of NGO donors.

Pay attention.

[Eric @amerix]

When 2026 started,

I told you, my followers that,

2026 is our year of SILENCE.

If you are my follower, this is the year for you to execute in silence.

Keep your mouth shut.

Keep your small achievements silent.

Let the rest shout as much as they want, and when your results show up, they will coil back into their miserable cocoons.

So, work.

Work, my father,

Work, my brother,

Work, my friend,

Work, my son,

Work, my sister,

Work!

Work in silence.

That is the only thing that will get us out of poverty, ignorance and diseases.

At the end of 2026, we shall know who was swimming naked.