Age 43, married with 3 children. Earn Sh 73K net but always struggling with finances.
My expenses are 10% tithe at Sh 7300, AMREF SACCO Sh 8000, Harambee SACCO Sh 3000, Caritas SACCO Sh 1000, transport Sh 5000, monthly school fees for PP2 daughter Sh 5000 (fees is Sh 19,000 per term), >>
If you can spare Sh 7,500 per month, I&M Capital is perfect — their flagship product was built exactly for you.
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By the time you’re 30, you should have a year’s worth of your salary in retirement savings.
By 35, you should have twice your annual salary saved.
By 40, you should have three times your annual salary saved.
By 45, you should have four times your annual salary saved.
By 50, you should have six times your annual salary saved.
By 55, you should have seven times your annual salary saved.
And by 60, you should have eight times your annual salary saved.
Where are you in your journey to retirement?
In my interview with @penandmachete, I suggested that pan-Africans may need to stop being surprised by Kenya. Kenya has always been pro-imperialist. From Dec 12, 1963. If you tell anyone in Kenya government that they are eating or being eaten, they will tell you, point blank, that they are eating with the G7 people. Kenya is now partners with Europe and America. We are independent after we chased the British out.
I don't think people get the cognitive dissonance of the Kenyan psyche. Anyway, I don't blame them. I also didn't get it until a few years ago. And I'm Kenyan. I only understood it when Kenyans accepted for their children to be dumbed down in a new education system because, supposedly, the new system was being done in Europe. https://t.co/uVxt3omWgO
If you want to understand Bonds and T bills quickly , just read this article. It is short but really informative
Excellent Job from Charles Mwaniki of NMG. Grab your copy of business Daily today to read more
This 1-hour MIT lecture on how to speak will teach you more about communication than every book, course, and mentor combined.
Bookmark & watch today, no matter what.
ANTHROPIC ENGINEER:
"DON'T PROMPT CLAUDE. BUILD A SYSTEM THAT PROMPTS ITSELF."
In this free workshop, he explains why most people use Claude the wrong way.
And how to turn one AI into an entire team of AI agents.
He covers:
• Proper CLAUDE.md setup
• Plugins almost nobody uses
• Advanced prompt caching (95% cache hit rate)
• Why starting every chat from scratch is a mistake
Worth more than most paid Claude courses.
Watch this and bookmark it.
A dead MIT professor accidentally destroyed the $20 billion executive coaching industry with one hour of lecture, and ten million people have already watched him do it.
He filmed it once in January 2018 and died eighteen months later.
Executive coaches charge fifteen thousand dollars a session to teach a third of what he covered in that one hour for free.
His name was Patrick Winston. He ran the MIT Artificial Intelligence Laboratory from 1972 to 1997 and wrote the AI textbook every computer science major in the world read for thirty years.
Every January for four decades, he gave a lecture called "How to Speak."
His entire framework fits on a napkin.
Do not read. Be in the image. Keep images simple. Eliminate clutter. Start with an empathetic connection. End with a punch line the audience can repeat over dinner. Never open with a joke. Never end with "thank you."
That last rule alone has probably cost the executive coaching industry a hundred million dollars.
"Your success in life will be determined largely by your ability to speak, your ability to write, and the quality of your ideas. In that order."
That is the actual opening line of the lecture. Winston believed it strongly enough to spend fifty years teaching computer scientists how to talk.
Founders spend $80,000 on an MBA and then hire a communications coach to teach them the same material Winston filmed once for free. Engineers write brilliant code and lose promotions to teammates who watched this lecture on the train.
The lecture is free on MIT OpenCourseWare. The textbook is free on his page.
Winston died in 2019. Almost none of the ten million viewers have actually implemented the four rules on the napkin.
The napkin is free. The willingness to actually use it in your next meeting is the entire edge.
INSTEAD OF WATCHING AN HOUR OF NETFLIX TONIGHT.
This 1 hour MIT lecture will teach you more about building real Generational Wealth than 20 years inside any hedge fund, investment bank or financial institution.
Anthropic pays $750,000+ a year for engineers who can build LLM architectures from scratch. Stanford taught the entire thing in 1 hour lecture & released it for free.
Bookmark & watch this today before someone takes it down and read this article below
🚨 Anthropic just showed a 27-minute workshop on how to actually do prompts for Claude.
Taught by the people who built it.
Free. No registration. No paywall.
I've seen $300 courses that don't cover what they teach in the first 8 minutes.
Watch the session, then read the guide on building loops below.
Special Funds are feeling some necessary heat this week.
This discussion is long overdue, and it needs to address such issues as:
—Heavy marketing built almost entirely on returns, with some funds leading on annualized headline figures while actual period returns sit in fine print
—Zero risk metric disclosures, with no standard deviation, Sharpe ratio, drawdowns, VaR, or stress tests published
—Lack of asset allocation transparency, since funds name a few top holdings but never show the full portfolio broken down by asset class with percentage weights.
—Undisclosed leverage exposure, with investors having no way of knowing if the leverage is 2x or 5x their money at risk.
—Self-assigned risk ratings that contradict the funds' own fine-print warnings
—Missing benchmarks that leave investors unable to separate manager skill from market movement.
—Consistently positive returns every quarter from leveraged strategies, when leverage by its nature should produce both good and bad periods
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Finally, it's here! The best 3 hours you can spend listening to @DavidHundeyin on #MaishaKazini. Bookmark, block time, and listen to one of the great minds of the continent. Especially if you want to refine your understanding of African reality.
https://t.co/1BRahsWo7s