20 movies every man should watch at least once
The Pursuit of Happyness → Resilience
The Wolf of Wall Street → The price of excess
Gladiator → Honor
Fight Club → Identity
Into the Wild → Freedom & self-discovery
The Dark Knight → Sacrifice
Whiplash → The cost of greatness
Interstellar → Love & sacrifice
The Shawshank Redemption → Hope
300 → Brotherhood & discipline
The Godfather → Leadership & power
Braveheart → Living with purpose
Good Will Hunting → Vulnerability & healing
American Psycho → The emptiness of status
The Revenant → Endurance
Rocky → Perseverance
A Beautiful Mind → Overcoming adversity
Dead Poets Society → Seize the day
The Matrix → Question reality
Saving Private Ryan → Duty & sacrifice
: )
MAN TO MAN.
Normalize spending money on:
• Fitness
• Perfumes
• Clothes
• Knowledge
• Healthy food
Any money you spend on eating well, dressing well, smelling good, and exploring the world never goes to waste.
NSE stocks on my watchlist:
1. Car & General
2. EABL
3. NSE Plc
4. Jubilee
5. Equity group
Which stocks are you looking to add to your NSE portfolio?
Instead of using that 500K to buy another plot of land that will not generate any cash flows for you, why not explore other options?
500K in an infrastructure bond with a 13% yield will give you 65K per annum
500K in a special fund like Mansa X will earn you 88K in interest per annum (Mansa X has averaged 17.6% p.a over the last 5 yrs)
500K in a SACCO like Stima Sacco will earn you 60K in dividends from share capital or 47K from rebates on Savings.
500K in a dividend king like BAT will earn you 60K in dividend income per annum.
Haya, endelea kujaza portfolio na tushamba in the middle of nowhere
In 2014, shortly after graduating from university, my net worth was about KES 200,000. While in campus, I was always trying different businesses. In first year, I did analogue photography because most students did not have smartphones. In second year, I ventured into farming, which ended up being loss-making. In third year, I got into the charcoal business, which turned out to be my gold mine, that thing has money margins with low overhead costs. By fourth year, I was operating two motorbikes while pursuing my studies and eventually graduated with a First Class degree.
After graduation, I secured employment with a gross salary of KES 55,000 and a net salary of about KES 43,000 after HELB deductions. Most of my friends who earned similar salaries moved into one-bedroom and two-bedroom houses around Ruaka and Thika Road. I made a different choice.
Having come from campus life where we shared bathrooms and basic facilities, all I wanted was a clean and hygienic place to sleep. While bedsitters were going for around KES 10,000, I settled for a single room in Dagoretti Corner at KES 6,000 per month. I saved about KES 20,000 every month and lived on roughly the same amount.
I focused on building assets rather than appearances. I lent money to friends for development projects, took up online writing as a side hustle, and continued investing in myself. I remained in that single room for four years.
I had made a promise to myself: buy land and build a secure home before upgrading my lifestyle. Some ladies who visited me could not understand my decision. They often told me that with my income, I should rent a better house if I ever hoped to get married.
I stayed the course.
By the time I was ready to start a family and move into a one-bedroom and later a two-bedroom house, my net worth had grown to approximately KES 10 million. During that period, I also pursued further studies, improved my skills, changed companies when opportunities arose, and kept growing professionally.
Over the next eight years, my salary increased nearly tenfold. My network expanded, my opportunities increased, and my investments compounded. Today, my net worth stands at about KES 72 million.
I am simply a boy who attended a day school in Lugari.
Life teaches lessons every day. Some people learn early and adjust. Others learn when it is already too late. The biggest lesson I learned is that wealth is built quietly through discipline, patience, continuous learning, and consistency, not through impressing people.
Stay focused on your journey. Your current situation is not your final destination.
How to invest KES 1M in Kenya?
1M in an Infrastructure bond yielding 13% will give you 130K per annum.
1M in a dividend king like BAT at the NSE will give you 128K per annum after taxes. (Current div yield of 13.54%)
1M in a MMF with an annual yield of 10% will give you a return of 87K after taxes.
1M in a special fund with a return of 17% will net you a return of 170K after taxes
1M in SACCO savings with a rebate of 10% will give you 95K after taxes.
1M in the average rental property in Kenya (8% return from rental income, with 90% plus occupancy) will give you 75K after taxes.
1M in your bank savings account will earn you a very big ZERO after a whole year
Where are you investing your money?
Men,
No school wants you to know the art of making money.
If schools started teaching this, all courses would collapse.
The government would be next.
Pass wealth-generation skills to your son.
Trust no one.
Tell your son this.
#ManDay