Patrick Gitonga

Friendly SME marketing consultant that provides affordable, flexible and effective marketing support for your SME business... at prices to suit your budget.

[LIFE • MONEY• TALKS. @lifemoneytalks]

BROOOO YOU NEED TO FOCUS: You’re too gifted to be paralyzed by procrastination. As a man, if you want to unlock your potential, read this...

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

And if you are in employment:

✨Don’t rely entirely on your salary — build other sources of income over time.

✨Build an emergency fund to cover unexpected expenses or periods without income.

✨Take advantage of your employer benefits, especially pension, medical cover and any investment or savings schemes.

✨Invest consistently instead of waiting until you have extra money at the end of the month.

✨Keep upgrading your skills — your earning potential is one of your biggest financial assets.

✨Avoid lifestyle inflation every time your salary increases. Direct part of every raise towards savings and investments.

✨ Protect your income through appropriate insurance and a solid financial plan.

✨Have a plan beyond your job — think about retirement, investments and what financial independence could look like for you.

[GISTE @ggiste]

Leo ni Friday.

Tafuta place poa, high-end.
Chukua KSh 1,000, rudishia mwili shukrani. 😂

Lakini usiende tu kukula. Enda ku-expose akili yako kwenye mazingira mapya.

Utaona watu wengi. Waobserve keenly.
Angalia wanavyoongea, wanavyovaa, wanavyofanya biashara, wanavyoshughulikia watu na wanavyotumia pesa.

Learn how successful people carry themselves.

Jenga familiarity. If you keep seeing the same people, create rapport. Salimia. Ongea nao. Jenga connection.

Then, one day, be bold enough to say:

“I want to be rich like you. What did you do differently?”

It’s a simple question, but it can open a conversation, a connection or even an opportunity you never expected.

Sometimes, you don’t need more money first. You need more exposure.

Mko wapi?

[Wealthese @Wealth_ese1]

@Educator_Lawal Spiritualizing financial negligence isn't piety; it's laziness in disguise. Faith trusts God for the harvest, but wisdom reminds you to plant, weed, and water the field.

[Mr. Lawal @Educator_Lawal]

If your only financial plan is "God will provide", you are not faithful, you are careless.

Even faith without works is dead. Prayer plus planning is the formula.

God provides through wisdom, work and wise management. Do your part.

[Robert Greene @RobertGreene]

Make a list of the people in your life who live with purpose. Prioritize spending more time with them.

[Dear Son. @DearS_o_n]

BREAKING NEWS: When your income increases, please tell nobody. Improve your life, invest, and keep your mouth shut.

[GISTE @ggiste]

SPEND ONE DAY WALKING THROUGH WESTLANDS, UPPER HILL, AND KILIMANI.

Most people only visit these areas when they have an appointment.
They rush in, rush out, and see nothing.

Try something different.
Pick one day and go there with no appointment at all.
Treat it like a school trip, only this time nobody is forcing you.

Start in the morning and just walk.

Look at the names on the buildings.
Each one is a company that somebody started.
Search a few of them on your phone and see what they do.

Notice what people are wearing and how they carry themselves.
Notice what time the offices fill up.

Walk into a mall like Two Rivers, Garden City, or The Hub.
Ask yourself how a mall makes money.
See which shops are full and which ones are empty.
See who the customers are.

Then buy one coffee.
The price will hurt a little.
Sit with it for 2 hours and listen to the tables around you.
You will hear people discussing deals, salaries, and business ideas.

Write down everything that surprises you.

By evening, your idea of what is possible will be bigger.
You will have seen businesses you did not know existed.
You may even spot a problem you can solve.

You do not need money to learn from a place.
You only need to pay attention.
Go and see how the other side of the city works.

From Charles Waigwa

[Jordan Rolfes @CoachRolfes]

A wife doesn't need a roommate.

She wants you to lead and pursue her.

So don't be a bum.

1. Plan the date night.
2. Initiate intimacy.
3. Work out.
4. Get of the video games
5. Build something together.
6. Pursue your calling.
7. Lead with love.
8. Pray over your marriage.
9. Communicate your needs.

Men, lead your marriage.

[Kritika Kapoor @Kritikaaaa_10]

As long as the dice is rolling, your 6 will come :)
Just the game of probability

[Femi The Analyst . @Femiforge]

Being good at interviews and being good at the job are two different skills. Recruiters often rewards the first one.

[Skip Heitzig @skipheitzig]

The purpose of prayer is not to inform God of your circumstances. He is well aware. It’s to surrender your agenda, trust in His sovereignty, and admit he has the ultimate authority of your life.

[Malvin @ManOfFocus_]

Make a lot of money, not for luxury, but for control. A man with money bows to Nobodyyyyyyyyyyyy.

[Gichuki Kahome @kahome_steve]

Below are sample portfolios that you can start building with the end goal in mind

[Gichuki Kahome @kahome_steve]

Second, you can determine how much you need to retire or to be financially independent.

To do this you can use the Crossover Point.

You reach financial independence when your monthly income from your investments exceeds your monthly expenses.

Crossover point = Annual spending / Expected return rate on investments.

[Gichuki Kahome @kahome_steve]

1. Building a personal retirement portfolio.

Here, we are looking for majorly low risk assets since we don't want to blow out our retirement kitty.

Hence a conservative portfolio with low risk assets will work.

Some of the assets to consider could include:

- Money Market Funds for short term capital preservation
- Bonds that generate semi annual interest income
- Large cap stocks with high dividend yields

[Gichuki Kahome @kahome_steve]

With a portfolio of KES 20M, you can withdraw KES 1.2M every year & probably never run out of money

This only accounts for 6% of your portfolio

With an average annual return of at least 6% you can survive on KES 100K a month

This is how to think about retirement planning👇

[T_G @T_Gofficial01]

At all times. Especially when you’ve fallen on hard times, cultivate the habit of being optimistic. This might sound cliche but there’s no bounds to the universe’s benedictions.

[Reads with Ravi @readswithravi]

“Success is walking from failure to failure with no loss of enthusiasm.”

— Winston Churchill