David Kabage

Investments ¦ Fintech ¦ Outdoor Person | Team RBR

[Sahil Bloom @SahilBloom]

I’m convinced that intelligence is overrated.

Intelligent people are more likely to overthink, overplan, and overanalyze. They hide behind motion that doesn't create progress. They fear the judgment of others if they're proven wrong.

The truth is that intelligence is abundant. Especially now. AI is making it a commodity. Courage is not. And it can’t be replaced. The people you admire are the ones who had the courage to act. They aren’t more talented than you. They aren’t smarter than you. They just took action when you didn’t.

I often wonder how many extraordinary people wasted their entire lives waiting for permission that never came. Permission isn't granted. Permission is taken. You get to tap yourself in whenever you want. You can just do things.

Courage beats intelligence. Remember that.

[Saif @diol2n]

كان المصور سكوت يقوم بتصوير شاطى سيبرايت في كاليفورنيا عندما لاحظ رأس شخص يظهر ويختفي وسط الامواج العنيفة فسارع الى ابلاغ احد المنقذين

اتضح انه صبي بعمر 10 سنوات كان يركب الامواج على اللوح، قام المنقذ بالامساك به على الرغم من قوة وشدة الامواج الا انه تشبث به بقوه حاول البعض مساعدته لكن الامواج اسقطتهم فتراجعوا من الخوف لكن المنقذ استمر حتى انقذ الصبي

الاكثر اثارة في الموضوع ان المنقذ كان في موسمه ��لاول فقط من العمل

[Sahil Bloom @SahilBloom]

Major cheat code for life: Always assume things will work out, then do the work to make it true. It’s a mindset of active optimism. Earned faith. It creates a quiet confidence that allows you to tolerate the uncertainty of life better than anything else.

[ChiefHerbalist @HerbalistChief]

Given how expensive tomatoes and peppers are on the market, I wonder what those who sell food outside have been using to cook for us.

[Sen. Methu Muhia @methumuhia]

In my class one days at Heni Primary School, I'd walk to my sisters class without knocking.
"tahe fejù"
The class would burst to laughter.

[Murage Ngunjiri @jmuragengunjiri]

Kikuyus takes anything for content, Aden Duale tribal profiling now used to make contents

[Janet Machuka @janetmachuka_]

I watched a video done by a cancer researcher on why one shouldn’t spray their perfumes on the neck and it was worth it. The neck is one of the highest blood flow on the body. Its skin is very thin which means fragrances and chemicals get absorbed faster and deeper. She explains most of the perfumes and cosmetic products have endocrine disruptors which mimic or block our hormones. Most studies link them to infertility, respiratory problems and cancer.

[Tuchel @Officially_Kriz]

Mitchell Elegbe, founder of Interswitch, on how they started Verve Card.

They looked at the data. And compared the number of bank accounts vs number of accounts with cards.

Then they dug further and realized that banks found it too expensive to give Mastercard or Visa to their customers. It was just for the elites.

So they created Verve card.

[Sahil Bloom @SahilBloom]

One of the most underrated traits in life: Having a high threshold for decision fatigue. The most successful people I know seem to have an unlimited capacity to aggregate data, synthesize it, and make quality decisions. It creates a rapid compounding effect. An engine for growth.

[DON “Tobechukwu” Ade 👑 @Row_Haastrup]

This Chinese guy has successfully exposed all magicians 🤣🤣🤣🤣🤣

[Massimo @Rainmaker1973]

A single bird has just accomplished one of the most extraordinary feats in the animal kingdom — flying nearly one-third of the way around the Earth without stopping to eat, drink, or rest.

The record-breaker is a five-month-old Bar-tailed Godwit that flew nonstop from Alaska to Tasmania, Australia. Covering 8,425 miles in just over 11 days, it set a new record for the longest nonstop flight ever documented in any bird.

What makes this journey even more astonishing is that it was the young godwit’s very first migration. The entire route took place over the open Pacific Ocean, with no chance to land. Despite that, the bird navigated thousands of miles of featureless water with pinpoint accuracy.

This incredible endurance is made possible by remarkable physiological adaptations. Before takeoff, the godwit packs on enormous fat reserves — nearly half its body weight — to fuel the flight. At the same time, many of its internal organs, including parts of the digestive system, temporarily shrink to lighten the load and maximize energy efficiency.

Unlike many seabirds that depend heavily on gliding, this godwit flapped continuously for the entire journey, battling shifting winds and weather systems the whole way.

Researchers at the Pūkōroro Auckland Shorebird Centre say discoveries like this are transforming our understanding of migratory birds. Their astonishing endurance, navigation skills, and energy management demonstrate biological capabilities that can match — and in some ways surpass — even the most advanced human engineering.

[Sahil Bloom @SahilBloom]

I’m convinced that the most underrated trait in life is the willingness to change your mind. Certainty isn't strength. The most impressive people change their minds often in response to new information. It’s a software update. The goal isn't to be right. It's to find the truth.

[Richard Medhurst @richimedhurst]

One of the more famous attack vectors Pegasus used was a missed call on WhatsApp. They've gotten even better over time, where you won't even see something suspicious.

But again, these attacks only work because the device is weak. You want security, no iPhone/stock Android.

[Sahil Bloom @SahilBloom]

Tolerance for uncertainty is the most valuable human trait. It’s easy to show up when the rewards are certain. When everything makes sense. When the path is entirely clear. But life is filled with challenging detours. Long and winding. Full of doubt and stagnation. And those detours are actually what shape who you become. The real rewards in life go to those who show up every single day when the rewards are uncertain. Without a guarantee. Those who take the next step forward when they can’t see where their foot is going to land. Winners aren’t the smartest or most talented. Winners are the ones who can hold their nerve the longest. The one who can tolerate the most uncertainty is the one who will eventually win.

[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.

[Sahil Bloom @SahilBloom]

A mentor told me this: Learn the difference between peace and avoidance. Peace is choosing not to fight battles that don’t matter. Avoidance is refusing to face the battles that do. Real wisdom is having awareness of which one you’re doing in the moment. I’ll never forget that.

[James Clear @JamesClear]

Your first attempt might not be very good, but nobody's early work is good. There will always be a gap between where you are and where you want to be. And the bridge between that gap is courage. The courage to look foolish in the beginning. The courage to show up again when your early work is criticized. The courage to look yourself in the mirror and say, "I realize I'm not good enough yet, but the only way to get better is to keep working on it."

[Klassiq Tunez @celebritytailol]

@royzkingin That is why I encourage reading books and watching teachable movies

[ROYZ @royzkingin]

Unfortunately, it’s impossible for a man to dream beyond his exposure.

[Osaretin Victor Asemota @asemota]

When you make a lot of money at once, two feelings come over you. Joy and relief.

Joy makes you want to meet all your cash needs and wants and share it with others who make you happy.

Relief makes you realize that the pressure of poverty is gone or lessened. Choose relief.