Kariuki

Liberal.

[Vionna @Kurlycheeks]

Best cheat code in life; Kujua kuishi vizuri na watu.

[Machiavelli Bot @UnmodernmanBot]

Be a man of your word - honor your words.

If you say it, you must do it. Regardless of how you feel about it.

Not only it is a display of credibility to other people,

Every time you act out your word, it strengthens your character.

[Machiavelli Bot @UnmodernmanBot]

Be so naturally good. Be so fucking competent. Be so exceptional in every domain of human performance that people have no option than to admire you, envy you or be magnetically attracted to you.

[Machiavelli Bot @UnmodernmanBot]

The average man is too honest in places where he should be strategic, and too dishonest in places where he should be accountable. He reveals his plans to strangers, but lies to himself about his habits. Power begins when you reverse this. Be private with the world. Be mercilessly honest with yourself.

[Machiavelli Bot @UnmodernmanBot]

Stand up for yourself. Know that trying to please everybody is a one-way ticket to an unhappy and unfulfilling life. You must understand that conflict is an inevitable part of human existence and be not afraid to offend others if need be. Have strong boundaries. Say “no” often

[Ty Ngachira @anto_ty]

Why is it that in most cities in the world, the west side residents tend to be wealthier than those on the east side?
Nairobi, London, Paris, Washington D.C., Vancouver, Montreal, Manchester, Glasgow, Bristol, Helsinki...

Urban planners,must the poor see the sun first?

[Nyakundi Junior🇰🇪 @VictorNyakund10]

A car is a necessary liability.
Before you buy one, don't just look at the purchase price. Anyone can afford to buy a car; the real question is whether you can afford to keep it on the road.

Let’s assume you buy a modest Ksh 3 million car with a 2,000–2,500cc engine. The purchase price is only the beginning.

To keep that car running, you may need:

- Ksh 20,000–30,000 per month for fuel, assuming moderate driving.
- Ksh 80,000–100,000 annually for comprehensive insurance.
- Ksh 6,000–10,000 every three months for routine servicing.
- And, of course, an emergency fund for unexpected repairs and breakdowns.

Over three to four years, the total cost of owning and operating the car can easily approach or even exceed the original purchase price, especially if you're driving a German machine with expensive maintenance and repairs.

That's why, from a financial perspective, it's unwise to use all your savings to buy a car, particularly when the vehicle isn't generating income or being used for commercial purposes.
Parking a car because you are waiting for end month to afford a 50K repair is an indicator that you are living beyond your means and you probably don't need that car.

A car should fit into your financial plan and not consume it.
Before you buy the car, ask yourself: Can I afford the car, or can I afford the lifestyle that comes with owning it?

[Leo | Phalanx Labs @SpartanPsyche]

Most people do not need more discipline at night. They need a cleaner transition after work. If you come home, sit down with your phone, eat randomly, and keep your work clothes on, the evening dissolves. Change your state on purpose. Walk, shower, tidy one surface, then decide the night before it decides itself.

[Nyakundi Junior🇰🇪 @VictorNyakund10]

A KSh 28 million portfolio can set you for life assuming you already owned your home, this is how I would structure it for long-term financial independence:

1. KSh 18M in a Treasury Bond Ladder

- Invest KSh 3M across six staggered Treasury bonds.
- At an average yield of 14% p.a. (before the 10% withholding tax), this could generate approximately KSh 187,000 per month in net interest.
- Live on KSh 187,000 or less and reinvest any surplus.

2. KSh 4M in High-Quality Dividend Stocks

- Focus on fundamentally strong, dividend-paying companies.
- This portfolio could generate approximately KSh 200,000–400,000 annually in dividends, with the potential for long-term capital appreciation.

3. KSh 3M in a Fixed-Income Fund

- Allocate to a high-quality money market or fixed-income fund.
- This could provide an additional KSh 25,000–30,000 per month while maintaining liquidity.

4. KSh 2M Emergency Fund

- Keep this in highly liquid investments to cover unexpected expenses without disturbing the long-term portfolio.

5. KSh 1M Opportunity Fund

- Set aside capital to take advantage of attractive investment opportunities whenever markets present them.

With this structure, your monthly living expenses are largely covered by predictable fixed-income cash flows from the bonds you hold, while the remaining KSh 10 million continues compounding through equities and fixed-income investments.

Assuming disciplined reinvestment of all returns from the KSh 10 million portfolio, and excluding the KSh 18 million bond allocation, it is possible for that portion of the portfolio to grow substantially to 100M over 20-30 years. Of course, the outcome will depend on actual investment returns and market conditions.
As I grow older, I've come to realize that true wealth isn't about spending more or needing billions it's about building a portfolio that gives you the freedom to live comfortably, sleep peacefully, and let compounding do the heavy lifting.

Above all, the greatest assumption in any financial plan is that God blesses you and those you love with good health. Without health, even the best investment strategy loses much of its https://t.co/MAQGeKdxa8 will only take one heavy hospital bill to wipe out your portfolio.

[Brian Mbunde ™ @Brianmbunde]

Employee of the month ako kwa ofisi already na barabara zimefungwa

[Reads with Ravi @readswithravi]

“In the short term, you are as good as your intensity.

In the long term, you are only as good as your consistency.”

— Shane Parrish

[Nyakundi Junior🇰🇪 @VictorNyakund10]

Goal setting is important.
Some call it a vision board; others call it a financial plan. Whatever you choose to call it, give your life direction.

Write your goals down. Then develop a clear strategy for achieving them. Break those goals into small, manageable tasks and execute them consistently. Most importantly, review your progress regularly and make adjustments where necessary.
Don't drift through life without a plan in this fragile and unpredictable world.
As of today, 17th June, I have accomplished my goals for June. The next step is to remain disciplined and committed to my objectives for the next five months.

Success is rarely an accident, it is usually the result of clear goals, deliberate planning, consistent execution, and regular review.

[Sahil Bloom @SahilBloom]

Major cheat code for life: Become difficult to rush. The world will pressure you to rush into everything. Rushed decisions. Rushed conversations. Rushed relationships. Rushed timelines. There's immense power in rejecting that trend. Slow down. Create space to think clearly.

[femiiiiii. @femiiiszn]

read more books. read to escape reality. read to understand reality. read to challenge what you believe. read to think better. read to write better. read to argue better. read to know yourself. read to build something. a single book can completely rewire your brain.

[MadkiQ @madkiqofficial]

If your dividends is less than your monthly expenses, reinvest them with immediate effect.
Make it a habit

[Musuuga @AtukundaArnold]

A manual transmission Toyota Fielder, wow!

[Tai Lopez @tailopez]

Marcus Aurelius was right when he said that you will be forgotten either way so live in a manner, that while you remain, you belong to yourself.

[Gichuki Kahome @kahome_steve]

Most Kenyans keep their savings in a money market fund and call it "investing."

There's nothing wrong with that, but if you want real wealth building, you need to own a piece of Kenyan businesses.

Here's how to build a serious stock portfolio on the Nairobi Securities Exchange. 🧵

[khaleesi🧍🏽‍♀️ @shelovesore]

Colon (:) introduces something. You usually use it when what comes after is a list, or an explanation, or even a reveal.
An example is “she had one rule: never apologize” or “this is a list of things you should get from the market: eggs, tomatoes…”
It’s also used as the eyes in a smiley face :)

Semicolon (;) connects two complete thoughts that are related but could stand alone as separate sentences. It’s stronger than a comma but softer than a full stop.
An example is “Frank never apologized; he didn't think he was wrong”

It’s also used as the eyes in a winking face ;)

[Elsie not Elise 💿 @ElsienotElisee]

No one becomes incredibly great in their field with an average work ethic. It just doesn’t happen