4 Misunderstood Statements about Money

Hello good people,

It has been long since we got to interact with each other but I’m fit and sound like a giant fig tree. For a moment, I have been having these negative thoughts about money but on a closer introspection, I realized how wrong I was. To some of us, money has been over glorified at the expense of our families, relationships, friendships and personal development.

Well, who said money isn’t important anyway. Just as you do need it, I also need it to offset some of my bills and keep life moving forward. However, money is not all that matters in life but many other things as well.

If you agree with the aforementioned statement then we are definitely on the same page. Out there, many are the statements concerning money. Many mention it when looking for it or when trying to justify their unwanted conditions.

So today, in the spirit of self-growth and personal development, I would like us to demystify a number of myths about money that get as all on the wrong side of things.

# 1.  Money is Everything

If money was everything, then your very breath of life would be dependable on it. Don’t get me wrong, I’m not talking about the patient who needs a life-supporting machine that obviously costs money to be used. The thing is, you have an obligation to pay your water bill, electricity bill and et. Cetera but no any single time did anybody from anywhere stood at your doorstep demanding a clearance of your life bill for the years you have so far lived on earth.

Besides, genuine friends and true lasting relationships can never be bought with money.

Let’s say your breath of life was worth $0.01/minute then you need to calculate your age and you will know exactly what amount you will have to part with to pay for your life.

Fortunately for us, all that is unnecessary because the breath of life has been given freely.

The Bible talks about the story of the rich fool in Luke 12:13-21, who after harvesting bountifully thought he still had a life to destroy his barns and build bigger ones for the bountiful harvest only for his life to be taken that very night.

# 2. Excess Money Makes You Immoral

On many occasions, this statement has hit my ears both from friends, foes and family members alike. Clearly, I didn’t get it right what could be the reason they spewed such ignorant statements but the fact remains that they are all wrong. One important question I keep asking myself is whether these individuals would one day in life wish to have a lot of money or not.

You need to know that the excess money being castigated as making one immoral has been used to contain aids and Malaria prevalence in Africa provided relief food in famine and hunger stricken parts of the world, built both churches and schools.

In all these instances, donor funding both from individual and institutional donors has been used immensely but   I do not see where money made anyone immoral but to create solutions.

But one thing I do understand very well is money simply picks the character of the beholder. Money in the hands of a drunkard makes him or her more of a drunkard. Same is true for a gambler, child trafficker or drug dealer.

#3.  I want to be a Millionaire

This statement is correct in every sense and there is no problem with anyone of us wanting to have millions in our bank accounts. But the question is, what do you want the millions for? Some of the world renown billionaires never had the dream of becoming what they are today but because they were focused on solving a problem or filling a gap by adding value to the way of things, that in itself minted them billions let alone millions. Have someone in mind? Point is, it is not about the millions it is about the purpose you got behind the millions.

If your desire to be a millionaire is driven by anger, need for approval or security think twice because even after you get your millions these issues will still be right there with you.

If your desire to be a millionaire is driven by anger, need for approval or security think twice because even after you get your millions these issues will still be right there with you.


#.4 The Rich Steal to Continue Being Rich

I’m not sure I want to write this statement because I seem to be in limbo myself. This is because; I come from a country where corruption is so rife that making money legally, ethically and morally now appears to be a thing of the past.  I must say that this statement is partly true going by corruption dossiers and inquiries done in Kenya and are in public domain. However, I also must add that to anyone of us who has a desire to be counted among the rich, this statement is not the very right one for you. You can’t be what you negatively keep on talking about.

Firstly, this statement paints the rich, something you want to become like thieves and only thieves. What effect will it have on you? You will start resenting the rich, envy them and make them your enemies. You can as well forget about being rich.

I would rather suggest you focus on them that have made much money legally, morally and ethically right rather than sabotage your own billion dollar dream.


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5 Steps To a Financially Secure 40


The subject of money is exciting at the same time strikes you with deep thoughts about your financial future.

In your 20’s life seems like a roller coaster where you want to live a carefree life, make merry and drink yourself silly. However, in your 30’s life ushers in a new set of responsibilities as you begin to settle into family life.

Some, realize late that at this stage the financial risks you take are more detrimental than when you could have taken them while in your 20’s and single.

Rather than wait for 40’s to catch up with you, there are simple measures that you can take that will guarantee you a financially secure 40.  Read on to know them well.

#1. Save and Avoid Consumer Loans

Everyone wants to make their life better. However, this does not mean that you should borrow a loan to take your lifestyle to the next level. Unfortunately, many people get embroiled in consumer loans that make them poorer. Financial institutions are always willing and ready to give you their money anytime you qualify and need the money. Nevertheless, they are not going to be there for you when you are broke and cannot service your consumer debts.

To be on the safe side borrow money to invest. When your job still gives you the opportunity to borrow a loan, take advantage of the opportunity by putting your money into good investments that are worth your money and sacrifice.  Again, ensure to save and invest first before putting all your money into your lifestyle expenses.

#2. Work Smarter

Working smarter is totally different from working harder.  A person who works hard spends much more time to achieve the same results a smart worker achieves for a far less time.

There is no rocket science to this but the difference is that the smart worker has realized there is a way he can achieve much more in a far less time.

For example, an employee who sits at his office from 9-5 pm may be busy yet not making any progress. On the hand, an entrepreneur running his business could be making more money in a day for a lesser time compared to the office worker.

You need to think forward. What better ways could you use to solve problems today that were never used in the years before? For instance, if you run a company that needs collecting data, what are you better at using? Is it electronic data collection tools such as ODK and commcare or use of manuals like pen and paper to collect data.

What do you think are the resources that you could leverage on to make your life better? It could be money, time, experience or networks. Find it out.

#3. Have an additional Source of Income

If you are like James Mworia, the CEO of Centum Investments who rakes in Ksh 16.9 Million as his monthly salary,  or Bob Collymore, CEO  Safaricom who takes home Ksh 10 Million per month you can as well focus on your job solely till retirement. If not, then consider having an additional source of income to supplement your main income. If you only depend on your main source of incoming for a living, then you could be brewing trouble in the future.

If you happen to lose your job, considering that you have a family to take care of, you might get stuck on how you will pay school fees for your kids besides servicing other loans. What is your passion? What skills do you have that you can put to good use for your business? It could be freelance writing, consultancy or blogging.

#4. Get Medical Cover

Well, just as it is said that Christ will come back as a thief so is sickness when it strikes. You are better off having a medical cover that can take care of you and your family in emergency situations.

Most people tend to rely on NHIF cards that are limited in terms of providing a comprehensive medical cover for their clients. Consider getting an additional medical cover that will cover you and your family sufficiently when dire situations come along.

Also, there are other insurance policies that you could look into such as life insurance, house insurance among others.

#5. Focus on Both Short-term and Long-term Investments

Some of the long term investments you could focus on include purchasing land or investing in government eleven-year bonds. However, as much as land increases in value over time, how are they going to help you acquire quick money when you need it most.

Rather than focus on accumulating properties all over, you could use your money to build systems and businesses that work for you even in your absence. As such, you can be sure of a constant stream of income even in your sleep.

7 Reasons Why Money Has Never Come And How to Fix It


Hello people, first, I must say thank you for your continued love and support towards this blog. It is never easy remaining consistent by writing posts often. However, your likes, comments, and followership have kept me going. Cheers! To every single one of you for being a lovely online family.

Yesterday morning, I uploaded a video on my facebook page about a robot by the name Sofia. Sofia is a robot that can partially perform the functions of a human being. In the video, Sofia is seen smiling and answering questions from a top journalist albeit some awkward moments.

In case you missed the video here is the link  https://www.inc.com/will-yakowicz/sofia-robot-hanson-robotics-web-summit.html

Two centuries ago, landlines were unheard of in our lives, let alone mobile phones. To add insult to injury, if you happened to insinuate on a machine that could fly, you could be met with the most bizarre astonishment.

Yet here today, we are talking about the world of artificial intelligence. Artificial intelligence is simply intelligence derived from machines and things that have no life in them. In contrast, natural intelligence is the intelligence found in humans like you and me and some animals.

Such breath-taking inventions never fell down from heaven, they simply began as an idea by somebody who was passionate, determined and focused to make the world a better place.

Sitting in my study, I sought to demystify why one part of the world can have so great inventions with super-rich entrepreneurs while some parts of the world are the exact opposite. Despite there being a number of factors to consider, to me, it all boils down to you as an individual. Who are you and what do you stand for?

Greatness or Mediocrity

Therefore, in a bid to find out why to some people being rich is impossible, and will never happen, I came up with eight points why money has never come your way and how to fix it.

Reason #1: You Hate and Envy the Rich

You all know the statement,”Your network is your net worth”

Lewis Brown, a motivational speaker, said that we are a product of the people we keep close. This he said is possible by the fact that as you walk with them, you subconsciously pick their mannerisms, perceptions, and habits.

I understand Kenya is a country where the gap between the rich and the poor is very wide and continues to widen. In Kenya, corruption is still rife as witnessed in the previous and current regimes. The select few who manage to be part of the system always walke home as instant millionaires.

It is against this background that you may want to hate and envy your rich neighbor. Simply because the rich neighbor flaunts wealth you have no idea where it came from.

However, hating and envying the rich only serves to keep this high net worth individuals away from you. Down the streets or in the villages, the rich are talked of with  envy and admiration in equal measure.  Some look at them as thieves who stole billions of money from the companies they worked for before. Some are said to be in secret societies like the Illuminati and Freemasons. Whatever the opinion you may have about the rich keep it to yourself but the fact remains that they are rich and you do not attract money and wealth into your life by envying, hating, and talking ill of the rich.

Reason #2:  To You, Money is the Root of all Evil

You recently won ksh160, 000 via a Sports betting site. Quite a lot of money with no sweat, right? Well, the truth is always plain and simple- easy come easy go. You will go celebrating and telling every Tom, Dick and Harry about your luck. Unfortunately for you, your eager friends will be more than ready to eat your newfound fortune with you.

Given that you went round showing off to your friends and acquaintances, many will come with a plethora of suggestions on how to do this and that. Ask Abisai about the many suggestions he got on Facebook. All of a sudden, everybody is your adviser. To take the shorter route, the money simply did not add up to give you something tangible. Subsequently, you rant and curse about  money being  evil. It never is because it simply picks the character of the beholder.

In 1 Timothy 4:16, the bible mentions the love of money as the root of all evil. I understand this to mean that your love for money is the root cause of your troubles and not money in itself. You therefore should desist from demonizing money and treasure it as a value worth having.

Reason #3: You Are a Jack-Of-All-Trades

One columnist, on money magazine, once shared tips on risk taking. He asserted that people do not just take risks but calculated risks. By this, he meant to say that great entrepreneurs assess the benefits and production costs or rather the advantages and the disadvantages of a particular project before putting their money or energy into it.

In their assessment, if the disadvantages far outweigh the advantages that is a no go zone. However, if the advantages far outweigh the disadvantages, then it becomes a project to consider. You do not make money by being a jack-of-all-trades and master of none.  Simply identify your passion, a place you can add value and get the ball going. Where is your focus? Where do you direct your energy?

Bill Gates, the tech. mogul behind Microsoft Corporation, was one of its co-founders in the year 1975. Back then he, ate drank, sang and slept dreaming about Microsoft. He identified his passion and area of value addition and set the pace right away, revolutionizing the computer world. It is only in the recent past, after having made so much money that he chose to diversify his investments.

First by philanthropy through the Bill and Melinda Gates Foundation. Bill also has investments in Republic services, waste management company, Eco-lab (ECL) a company that produces cleaning supplies, 50% stake in Four Seasons Hotel and much more. He is simply finding a place to stash his cash and assets by diversifying his investments.  This he has only done after building Microsoft Corporation to what it is today. Where is your focus? Where do you direct your energy?

Reason #4: You Love Alcohol

Kenyans love for strong drinks cannot be pushed under the carpet just yet. However, many fall short of controlling their thirst for strong drinks. Ultimately, one becomes a slave to binge drinking. End result is irresponsible drinking, family negligence and misuse of money in uncontrolled drinking. Money never comes in such like a lifestyle and might become elusive for eternity. Drinking should be done responsibly in the most courteous manner or to be abstained from altogether.

On the contrary, one might argue the rich also love alcohol. Conversely, the rich drink on their hard-earned cash. They drink in the company of other rich friends in V.I.P. lounges, expensive and exclusive joints. They buy alcohol brands that are out of your price range. It would therefore, be unfortunate or demeaning to compare yourself with them. Have discipline to overcome. Visit a rehab for further guidance and counseling. Avoid alcoholic drinking joints and persons.

Reason #5: Your Love Life is Chaotic

You are known for sending expensive gifts to a bevy of beauties who have no qualms about sharing you with the other women you have. Surprisingly, you also pay their food and rent. It is important to understand that millionaires never grew into who they are by dating many women. They directed all their energy towards looking for wealth with one supportive woman by their side. With regard to matters of the heart, it is important for you to be discipline by avoiding overspending in a chaotic love life with many women. What defines your core values when it comes to dating? The mpango wa kando phrase is now the household name in town with unfaithful spouses blindly sinking into it. It has been proven that money never comes with a string of women to maintain, since your hard-earned cash goes into paying their monthly bills and other utilities. A number of women are also on the spot for moving with different men commonly known as sponsors. Unfortunately, for them, most of these sponsors are married men with families to maintain. You do not succeed by wrecking up someone’s else marriage. Redefine your love and social values.

Reason #6: You think you are the manager of the Universe

There are limits to how far you can go and how much you can do. In Luke 6:38, it is written that, “give and it shall be given unto you..”  The question to ask is, how far is far? Bill Gates, the world richest according to Forbes magazine has a net worth of US$90 million. Despite his vast wealth, he cannot buy the world even if he wanted to.

It is always good and generous to help  someone out who might be financially stranded. However, when you are bent to help everybody who comes begging, you might find yourself with nothing left to meet your financial obligations. Millionaires are known to give for a certain course or charity. You will find them taking part in philanthropic activities such as building classrooms, drilling boreholes in water scarce areas or buying mosquito nets for the prevention of Malaria.

On the contrary, you will not find them dishing out money to every boy, girl or woman who comes knocking. In their quest to get wealth, they have been blackmailed, swindled, conned and gone broke severally and know better than to give their hard-earned cash to everybody. Christ’s mission on earth was to seek and save the lost. He offered his life as a ransom for all. You are a human with limits and therefore cannot offer yourself financially to all. Give sparingly, take sparingly.

Reason #7: You simply do not want to be rich  

You shy away from conversations about money and wealth. You have a collection of fictional books and movie thrillers but can hardly read one page of a financial  newspaper or Bible (Ask TD Jakes). You watch TV and movies 10 hours running. You are waiting for that big break to fall from the heavens yet you are doing nothing with your hands. You have no bank account and if you have one, you do not know the account number. You hardly collect assets but liabilities that drain you of your hard-earned cash.

More so, you talk about enjoying life here and now and wonder why people are trying hard to save and invest. You are in a cyclone of debts and find it normal, saying life is hard. You have a University degree, nice family and a lovely wife and  say that is all that matters. You know the big guys in town who call the shots and think your proximity to them makes you rich, nothing could be further from the truth. You hardly give or donate but only take.

Furthermore, when you get good money after a long dry spell, all you think is upgrading your wardrobe with new clothing and shoes, partying with friends and buying the latest gadget in town. You let people play with your ego, telling you how rich you look so that they get something from you, yet in real sense you are struggling with debts. You sleep at 9 pm and wake up at 9 am.You have no a daily to-do list. You are ever on social media accounts including Whatsapp, Facebook messenger, Twitter, Instagram, snap chat as late as 2 am.

In addition, you are never grateful for the small favors, blessings, milestones you earn or get but rant and complain about everything. You fear success and do not want to appear to be doing better than your friends or common folk. You are waiting to be married by a rich man or marry a rich woman. You hang around broke people and call those who have made it proud yet, you have never approached them for financial advice or help in the first place.

Life is short and there is no point in making it any shorter by living it with full of financial challenges. Some mistakes are silly and painfully costly. Learn from the rich men and women who have made it and try as much as possible to implement every single idea they tell you. I am trying myself. Life is neither hard nor easy depending on what you choose to do and ascribe yourself too. Be open-minded and have access to the limitless possibilities life has to offer through great ideas and people. My desire is that the words written here will transform your life today and make you a better person tomorrow.

Have a great weekend.

Let me know your thoughts, through the comments section below.