STOICAL

Never waste valuable time, or mental peace of mind, on the affairs of others—that is too high a price to pay.

If the child loved the parents as much as the parents loved the child, their passing would be intolerable.

"Twitter is television for intellectuals." @naval

I am already receiving reports from a certain SACCOs where members are making huge withdrawals through mobile apps, and this is exactly the kind of panic everyone warned about once government started sniffing around SACCO savings.

Every time you claim how useful your ego is, there’s a psychopath out there far more motivated and selfish than you, with the capacity to completely submerge their ego in pursuit of their target. And that is why they win. And you don’t.

If I had any money sitting in a SACCO right now, I would rather withdraw it and keep it where Treasury cannot start calling my private sacrifice infrastructure financing.

"Success is the inevitable byproduct of learning (not education)." @naval

“If you want to overcome the whole world, overcome yourself.” ― Fyodor Dostoyevsky, Demons

"The measure of wisdom is silence." @naval

@C_NyaKundiH Hizi ndio vitu zinataka street protests from the middle class Kenyans. From SACCO Kasongo will move to their MMF account deposits. That 1 trillion plus internal borrowing from Mbadi's budget was never going to come from local banks alone.

Before Government Touches SACCOs, Kenyans Must Confirm Their Money Exists The SACCO debate should now move from noise to a hard public audit, because any serious withdrawal pressure would stretch the system and expose which societies are genuinely liquid and which ones are just beautiful buildings, large membership numbers, fake asset values and cooked confidence. Some SACCOs valued at billions may look strong on paper, yet the real money could be tied up in bad loans, insider borrowing, land games, fake collateral, politically protected defaulters, related party deals and management theft that members only discover when they ask for their money. That is why government eyeing SACCO savings is dangerous, because it will not just touch private money, it may expose a sector where some societies have been surviving on trust, payroll deductions, member patience and the assumption that everyone will never ask for cash at the same time. Kenyans do not need a blind panic run that punishes innocent members first, but they need a proper stress test where every major SACCO shows its liquidity, loan book, insider lending, bad debts, cash position, government exposure and ability to pay members without stories. If SACCO money is now being discussed as infrastructure money, then SACCO members have every right to ask whether their savings are really there, whether managers have looted, whether loans were given to friends, and whether the billions announced every year are cash or just accounting perfume. The real test should not be chaos at counters, since the real test should be public numbers, regulator pressure, audited books, named weak SACCOs and proof that members’ money is not already gone before government arrives to borrow the corpse.

The cold harsh truth about happiness as a man

Warren Buffett was right, money without free time has no value and free time without money makes no sense.

After SACCOs, Banks And M-Pesa Are Next As Kenyans Become Guarantors For A Debt Crisis They Never Ate Kenyans must stop asking why Kenya has not defaulted and start asking who is being prepared to carry the default when the music finally stops. Ghana was here. Sri Lanka was here. Zambia was here. Argentina was here. Lebanon was here. The script is always the same, because a broke government borrows until lenders get tired, taxes until citizens are dry, leans on banks until credit disappears, pushes pain into pensions and domestic savings, then tells the public that sacrifice is needed to save the country. That is why the SACCO story should scare Kenyans more than they currently seem scared, because SACCO savings are not government money, they are the private sweat of teachers, police officers, nurses, farmers, matatu people, boda riders, mama mbogas, small traders and workers who ran there after banks abandoned them. In every default story, the government does not stand alone at the edge of the cliff, because it drags citizens there as guarantors through inflation, taxes, currency pain, bank losses, pension restructuring, frozen credit and forced patriotic nonsense dressed up as national recovery. Banks already formed a comfortable debt circle with government, where lending to Treasury became safer and sweeter than lending to SMEs, which slowly choked biashara, starved the real economy and turned ordinary Kenyans into beggars inside their own banking system. Now the same government that fed banks with public debt is walking into SACCOs, looking at the last pool of money ordinary Kenyans still controlled after taxes, deductions, mobile money charges, fuel prices, school fees and rent had already eaten their pockets. The anus cannot be stitched to stop diarrhoea. A debt crisis cannot be solved by raiding SACCOs, squeezing banks, eyeing M-Pesa, selling public assets and pretending that every desperate grab is an infrastructure plan. Ghana called it domestic debt exchange. Sri Lanka called it restructuring. Argentina called it emergency controls. Lebanon left people staring at bank balances they could not freely touch. Kenya will give it a cleaner name, maybe national development, domestic resource mobilisation, infrastructure financing or patriotic investment, but the meaning will be the same. The citizens are being prepared as guarantors for debts they never ate. Kenyans are not angry enough, because if they understood where this road ends, they would know SACCOs are not the final target, they are the warning shot before banks, M-Pesa and every private pool of money still breathing outside Treasury’s hands. The money is finished.

"Imagine how effective you would be if you weren’t anxious all the time." @naval

Never underestimate the human need for recognition. People will destroy relationships, sabotage opportunities, and betray their own standards just to feel seen for a few minutes. Attention is not a small currency. It is emotional oxygen, and desperate people will bargain away dignity to breathe.

If you want an unfair advantage: Instead of listening to what someone says, start timing how long it takes them to say it. Pay attention to signals like an unnatural pause before a yes, an immediate denial, or a strange silence. Frequently, these signals are not stylistic decorations. They reveal a deeper state than what words would suggest, usually a silent rumination. And that should raise a healthy amount of suspicion. Pause and pacing reveal what a person truly feels. Try it for one week. Your social perception will never be the same.

"Love is what remains when all other emotions are gone." @naval

It's not about "educated" v "un-educated". It's about "likes to read" and "doesn't like to read". @naval

7 COMPOUNDING GAMES YOU MUST PLAY TO BE SUCCESSFUL IN LIFE: 🧵 1) The Knowledge Game Learn one new high-income skill every year. Compounding knowledge creates massive opportunities.