Before you turn 30 as a man, do this:
1. Get your own space. Still living under your parents’ roof at that age is failure.
2. Have a solid plan for your life. By 30, your direction should already be clear. Guesswork is for boys.
3. Build a solid job, business, or side hustle that pays you enough to take care of yourself properly. Stop depending on others and begging.
4. Be married, or at least in a serious relationship heading toward marriage. Your 30s are not the time to philander. Do not waste your prime.
5. Get a car if you can. Work toward it. It does not have to be luxury. A clean, reliable car will do
6. Have a real investment plan. If you are already in your mid-20s with zero investments running, sit down and rethink everything.
7. Study the Bible from Genesis to Revelation at least twice.
8. Travel to at least five different cities and experience life outside your comfort zone.
9. Build a personal relationship with God and real knowledge of Him. Not secondhand religion from your pastor.
10. Develop a voice that lets you speak without fear of anyone. A man at 30 who still kisses ass just to keep people pleased has already failed.
Above all, love God.
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If you have Sh 100,000 to invest, you shouldn't just toss it all into one bucket. Build a stress-free portfolio.
A classic starting point is the 60/40 rule:
60% in unit trust funds, eg. money market or fixed income fund. This is the portfolio stabilizer. It keeps your money safe, earns steady interest, and is there for emergencies.
40% in quoted equities: This is your growth engine. It’s a significant holding though riskier, but it’s the part that will make you wealthy in > 5 years.
Why this works? If the stock market has a bad month, 60% of your money is still perfectly safe and growing in unit trust funds.
Should you borrow money to invest?
It sounds simple enough to borrow at 10%, invest at 15%, and keep the difference. But is it straightforward?
🔹 Your borrowing cost is fixed, but your investment return isn't. The market does not owe you 15% simply because your loan costs 10%.
🔹 Your debt has a deadline. Your investment may need years to mature or recover from a downturn, but your loan repayments are due whether the investment is performing or not.
🔹 Different investments carry different risks. A bond has a defined tenure. Shares can fall in value. Some alternative investments can be volatile or difficult to sell. You need to understand what happens if you need the money before your investment reaches its intended outcome.
🔹 The numbers are bigger than the headline return. Interest, taxes, fees and other costs all reduce what you actually make.
🔹 You are introducing leverage into your finances. A good investment can amplify your gains, but a bad investment can leave you with both a loss and a debt to repay.
For most personal investments, borrowing is not automatically a shortcut to wealth.
The top 5 wealthiest people in the world are:
1. Elon Musk: Tesla, SpaceX
2. Larry Page: Google
3. Sergey Brin: Google
4. Jeff Bezos: Amazon
5. Mark Zuckerberg: META
What is the most interesting thing you can see about these billionaires?
These are not politicians.
They are not doctors or lawyers.
These are founders.
They founded, own, and invest heavily in technology innovation companies.
Now, if you want to be relevant in the next 10 years, invest your resources in these 5 companies.
This doesn't mean buying shares in them.
It means aligning your skills around these companies.
For example, if you are a carpenter, identify a product or service in these companies, then build an idea around it, and then develop a product or service based on those products or services.
Or, if you are an interior designer, find out how you can borrow an idea from these companies or how you can leverage your skill using the products and services built by these companies.
The era of saying,
"I am going to school because I want to be a lawyer," — is gone.
These traditional careers began losing their grandeur two decades ago.
I am not saying being a lawyer is bad.
What I am saying is that even if you are a lawyer, align your skills and leverage your work with the products and services of companies owned by the top 5 wealthiest individuals.
Why is this so?
Because where the wealthiest people are, that is where the value sits. That is what people want.
These billionaires are not there by accident.
They are there because the world wants what they are selling.
Can you stay awake from 1:00 AM to 5:00 AM
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Open Thread ↓
It’s NORMAL to...
1. feel LOST at 25
2. be BROKE at 27
3. start AGAIN at 29
4. level up at 31
5. start WINNING at 33
6. build REAL money at 35
Life isn’t a RACE.
Every MAN has a different TIMELINE.
Men,
A woman's dream is to get married to a wealthy man.
A man's dream is to provide for his family.
Observe: The woman doesn't dream of providing for her family.
The lesson is in there.
#MasculinitySaturday
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Most undervalued banking sector stocks at the NSE based on PB ratio
1. DTB - 0.4x
2. BK Group - 0.7x
3. KCB - 0.7x
4.I&M - 0.7x
5. Equity - 0.9x
While all these trade below their book values, note that DTB has the lowest ROE and the lowest dividend yield making it unattractive.
Which of these are you adding to your portfolio?
In a world that celebrates speed, wealth often rewards patience.
We live in a time where people want fast returns, quick wins, and immediate visible results. Investors want portfolios to grow overnight. Professionals want wealth to reflect instantly in lifestyle. Businesses want expansion to deliver immediate gains.
But real wealth rarely works that way. Long-term wealth is built through patience.
Hitting wealth milestones at whatever age feels like unlocking the final level of the game where you just play without worrying about survival.
No bad debt.
Sh 3M+ invested.
Home ownership.
No mortgage payment.
Pension fund up-to-date.
Passive income equals > 4 months' salary.
Make this a reality.
Most people are excited to start investing.
They want to make money, build wealth, and get rich quickly. The goal is often to cover bills such as rent, buy a car, or even make quick gains from stocks or crypto.
However, after experiencing losses, they begin to realize that investing is not easy. It takes time to make money, and patience is required.
Some end up liquidating their investments early to cover emergencies, while others give up along the way.
Yes, you can make money by investing. Investments can help you build wealth.
But before you invest, you need to do a few important things:
- Pay off high-interest debt
- Build an adequate emergency fund
- Write down your goals, their cost, and timeline
- Get educated and understand basic investing concepts, especially risk
- Do proper research or work with a financial advisor
Once you've done these, you are in a much stronger position to invest.
Africans: Take over the world now.
That slave-education scam is rigged to keep you chained.
Rebuild schools around leadership, investment, entrepreneurship, agriculture, biology, AI, security, politics, and geology.
Our wealth can hire whites as cheap labourers while we lead.