Pastor Omwocha Onkoba Nyaribo

Pastor and happily married to Ruth and Blessed with three handsome boys, Joshua, Caleb and Russell. Currently at The Seventh-day Adventist Theological Seminary.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@RobertAlai What is a car?

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@MrKipkalya @TheODMparty @edwinsifuna Why is Moses Kajwang’s name twice

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

#rachelwandeto @edwinsifuna Mr. President you are too silent. Just as we hold the government accountable we need to hold the wantam movement accountable.
#justiceforrachel

[Alfred Mathu @MathuAlfred]

This is the story of how I cleared a 10-year mortgage in 2 years

In the year 2000, I signed for my first mortgage KSh 2.7 million, repayable over ten years, with a monthly installment of about KSh 37,000. At the time, it felt significant but manageable. Like many young professionals, I believed the difficult part was getting approved. Once the bank said yes, I was ready to sit back and relax knowing that in 10 years i will be a home owner.

That is what traps most people.

When many people secure a mortgage, they celebrate the approval rather than confront the obligation. They upgrade furniture, expand their lifestyle, and slowly adjust their expenses until the monthly payment blends into routine existence. Ten years quietly becomes normal. The loan stops feeling temporary and starts feeling permanent.

I had a mentor who refused to let that happen. Stewart Henderson, who was serving as CEO of Old Mutual at the time told me something that permanently changed my understanding of debt: a mortgage is not a commitment it is an emergency.

Then he introduced a rule that, at the time, felt extreme. Every month I earned commissions, I had to bring my statement to him before spending any money. We would sit down together and allocate it.

The bank required KSh 37,000.
Stewart ignored that number.

Instead, he focused on capacity. Whenever income rose, payments rose. Whenever earnings improved, we attacked the loan. He called it 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐠𝐠𝐫𝐞𝐬𝐬𝐢𝐨𝐧, treating debt as something to eliminate quickly rather than manage comfortably.

The first few months were uncomfortable. The natural instinct after earning more money is to reward yourself. Income creates a feeling of entitlement to enjoy what you worked hard for. But discipline does not negotiate with feelings. Every additional shilling was assigned before it reached my pocket.

Something surprising happened. As my income grew, but my lifestyle did not.

Because expenses stayed controlled, every increase in earnings accelerated repayment. The balance started shrinking visibly not yearly, but monthly. What had been structured as a ten-year obligation began to feel temporary.

Two years later, I made the final payment.

Now here’s the surprise, after I serviced the mortgage to completion, my mentor did not congratulate late me. He simply told me to start looking for the next property.

Most people follow a familiar sequence: earn, spend, then save what remains. I learned to earn, allocate, then live on the balance. The house was not paid off by income alone; it was paid off by priority.

Over the years, advising many individuals, I have noticed a consistent pattern. Nearly everyone wants financial freedom eventually, but very few accept financial discipline immediately. The distance between the two is not measured in years it is measured in habits.

Your path does not have to begin with a mortgage. In fact, for many people the smarter starting point is elsewhere, structured savings & investments, or disciplined accumulation strategies that eventually position you for homeownership without pressure.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@MathuAlfred @ManwaGeorge Thank you for sharing this. I knew you while at Old Mutual and you continue impacting lives to date.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@websteroyt Oh yeah

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@ItsMutai This is not Africa. It is Papua

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

This January 2026, join us for a Bible-focused, Christ-centered, and Life-changing prophecy series drawn from Matthew 24 & 25, where Jesus Himself outlines the signs of the times and the call to faithful readiness. Each Sabbath, we will explore what it truly means to watch, wait, and live with hope in light of the Second Coming. This is a timely and powerful series you won’t want to miss—be in church or join us online every Sabbath in January as we prepare our hearts and lives for the return of Christ.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@qatarairways

[Alberta Adventist @ABAdventist]

Hurricane Melissa struck Jamaica on Tuesday, October 28, 2025. This was the most intense tropical storm to strike the island nation in the last two centuries.
Donate here: https://t.co/1uibCusO9E
#adracanada

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

Thank Captain Webster for being a good Human Being. Baba’s Song sung midair by Capt. Web. Good Stuff @websteroyt @KenyaAirways @LarryMadowo @TheODMparty @RailaOdinga

[David Maraga @dkmaraga]

My thoughts are with the family of Boniface Kariuki on their loss. The point-blank shooting of Boniface while selling masks underscores that no one is safe with a regime that is so irretrievably reckless and with zero regard for human life and dignity.

This is a regime which has now fully demonstrated that it is unable to climb down to meet even the most basic demand of respecting the sanctity of human life.

Let us continue working together to reset, restore and rebuild Kenya to the rule of law and utu.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@MrWameyo @dkmaraga What should he have done? Was he the DCI or police. Akili ndogo sana.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@dkmaraga Mr. President #ThePeopleShall

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@gabrieloguda Because we are humans and sinful in nature, swearing is a logical contradiction. When God made a covenant with Abraham in Genesis 15, it is only God who ‘sweared.’ Swearing was a pagan practice in Ancient Near East where that involved Vassal and Suzerian.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@morarakebaso Young man, leadership is not all
About hurling abuses. You do not gain milage by doing that. This is very low of you

[B.N.O @BensonOmay37723]

@Ohta_Ryota He won't take bribes too

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@alihorad @NelsonHavi @MigunaMiguna You wait until that day you will be falsely scandalized… then you’ll know what real men do

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@ombachi13 Agal man… the guy fired me as a prefect. He was good man though… we went on the streets when he was transfered… Kalonzo was the Minister for Education then.

[Pastor Omwocha Onkoba Nyaribo @onyaribo]

@_RichardOnyonka Stop impersonating my senator