Dè Espi_Jb

Kenyan By Birth 🇰🇪
MLT || GodSpeed || Cancer Research Enthusiast||
Blue Blood - ChelseaFC 💙💙💙

[The Touchline | 𝐓 @TouchlineX]

🏴󠁧󠁢󠁥󠁮󠁧󠁿🚨 Former England players' statements ahead of England vs Argentina World Cup semi-final:

🚨🗣️ Ian Wright: "I don't fear Argentina like I'd fear France or Spain, because I think there are a lot of fallacies with them..."

🚨🗣️ John Terry: "If I’m being honest Argentina don’t worry me. I don’t look at Argentina and think they’re better than us. Player for player, I think we’re better than Argentina."

🚨🗣️ Gary Neville: "With the centre backs they have, I can’t see us not scoring at least two goals."

🚨🗣️ Joe Cole: "We're going to have to put Messi to sleep. We're going to put him to sleep. I'm saying it now, we're going to reach the World Cup final."

England ended up losing to Argentina. ❌

[Messi Fanatic @MessiFanatic_]

Scaloni’s reaction the moment Argentina reached World Cup final again

[Mod @CFCMods]

Bro really attempted to provoke Messi 😭

[karim @KarimxAdeyemi]

GOAT.🐐👏🏽

@SocialSight

[Sergio Kun Aguero @aguerosergiokun]

Messi ❤️❤️

[Guinness World Records @GWR]

MESSIIIIIIIIII

[Dè Espi_Jb @JohnBaraka10]

@iamalexkamau Congratulations👏👏👏

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Help your child accumulate Sh 1 million by age 18.

If you invest Ksh 3,000 × your child’s age as a birthday gift each year (e.g., Sh 6,000 at age 2, Sh 9,000 at age 3, and so on) into an investment earning 10% annually, they would step into adulthood as millionaires.

By their 18th birthday, you would have contributed about Sh 513,000, but thanks to the power of compounding, the investment could grow to around Sh 1 million.

[Alfred Mathu @MathuAlfred]

This is the story of how I cleared a 10-year mortgage in 2 years

In the year 2000, I signed for my first mortgage KSh 2.7 million, repayable over ten years, with a monthly installment of about KSh 37,000. At the time, it felt significant but manageable. Like many young professionals, I believed the difficult part was getting approved. Once the bank said yes, I was ready to sit back and relax knowing that in 10 years i will be a home owner.

That is what traps most people.

When many people secure a mortgage, they celebrate the approval rather than confront the obligation. They upgrade furniture, expand their lifestyle, and slowly adjust their expenses until the monthly payment blends into routine existence. Ten years quietly becomes normal. The loan stops feeling temporary and starts feeling permanent.

I had a mentor who refused to let that happen. Stewart Henderson, who was serving as CEO of Old Mutual at the time told me something that permanently changed my understanding of debt: a mortgage is not a commitment it is an emergency.

Then he introduced a rule that, at the time, felt extreme. Every month I earned commissions, I had to bring my statement to him before spending any money. We would sit down together and allocate it.

The bank required KSh 37,000.
Stewart ignored that number.

Instead, he focused on capacity. Whenever income rose, payments rose. Whenever earnings improved, we attacked the loan. He called it 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐠𝐠𝐫𝐞𝐬𝐬𝐢𝐨𝐧, treating debt as something to eliminate quickly rather than manage comfortably.

The first few months were uncomfortable. The natural instinct after earning more money is to reward yourself. Income creates a feeling of entitlement to enjoy what you worked hard for. But discipline does not negotiate with feelings. Every additional shilling was assigned before it reached my pocket.

Something surprising happened. As my income grew, but my lifestyle did not.

Because expenses stayed controlled, every increase in earnings accelerated repayment. The balance started shrinking visibly not yearly, but monthly. What had been structured as a ten-year obligation began to feel temporary.

Two years later, I made the final payment.

Now here’s the surprise, after I serviced the mortgage to completion, my mentor did not congratulate late me. He simply told me to start looking for the next property.

Most people follow a familiar sequence: earn, spend, then save what remains. I learned to earn, allocate, then live on the balance. The house was not paid off by income alone; it was paid off by priority.

Over the years, advising many individuals, I have noticed a consistent pattern. Nearly everyone wants financial freedom eventually, but very few accept financial discipline immediately. The distance between the two is not measured in years it is measured in habits.

Your path does not have to begin with a mortgage. In fact, for many people the smarter starting point is elsewhere, structured savings & investments, or disciplined accumulation strategies that eventually position you for homeownership without pressure.

[BRAVIN YURI @BravinYuri]

I am not worried about Kenya in 2022. I am extremely worried for Kenya Post 2022 because a Ruto presidency post 2022 looks like it's inevitable and Ruto isn't someone you'd want to give a country to lead.

[Chelsea FC @ChelseaFC]

Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐Come and visit London’s Home of Trophies. 🏆

Book your Stadium Tour at Stamford Bridge now. ⭐️⭐️

[Paris Saint-Germain @PSG_English]

🏆 BACK 2 BACK 🏆

[Fabrizio Romano @FabrizioRomano]

🚨🚨 PARIS SAINT-GERMAIN BEAT ARSENAL AND WIN BACK TO BACK CHAMPIONS LEAGUES! 🏆🏆

Historical achievement for PSG. 🔴🔵💥

[Gichuki Kahome @kahome_steve]

5 Mistakes that people make when planning for retirement:

1. Starting too late. Hence you end with little money saved for retirement and you have to depend on your children.

2. Not having a post retirement medical cover. Medical expenses are the biggest expenses for most retirees

3. Investing retirement money in risky and new ventures. You expose your retirement funds to high risk opportunities and end up losing it.

4. Neglecting their health. Retirement planning without investing in good health is almost useless. Health is the biggest factor that determines how we enjoy our money

5. Not planning on how to pass your wealth to the next generation. Most families are broken by siblings fighting to inherit their parent's wealth.

[Booksforaspirants @AspirantsBooks]

The 48 laws of power by
@RobertGreene

[ChiefHerbalist @HerbalistChief]

We need to apologize to our ancestors.

[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.

[Big Diesel. @manmahuro]

My dad always says ata ukimaliza kulipa gari chukua loan atakama ni ya 100k against the car. Bank na insurance wapelekane mbio.

[Xabi Alonso Cam 🎥 @XabiAlonsoCam]

Only repost if you miss Abramovich era 🚨