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A world is supported by four things “… the learning of the wise, the justice of the great, the prayers of the righteous and the valor of the brave.." -Frank Herbert
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DICKSON MAGECHA
8.1K posts
DICKSON MAGECHA
@Dicksonmagecha
Financial Markets Enthusiast/ Afro-optimist/ Husband/Father. All views are my own & RTs are not endorsements
Dubai, United Arab Emirates Katılım Mart 2009
744 Takip Edilen4.2K Takipçiler
@GettyGitonga @ephraimnjegafan Where would they take the cash? As long as its in the banking system, banks will be forced to buy at least the shortest available instruments to deploy the cash.
The real impact will be in increasing refinancing risks for the government
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@ephraimnjegafan What would happen if all investors (Domestic & Foreign) adjusted their portfolios to eliminate government bonds/bills completely? Leaving institutions under the gvts sway only? How would that play out?
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Taking an overdraft loan to pay debt interest is an obvious sign of debt distress. We should stop living in denial and find a path out of the debt trap.
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High IQ is overwhelmingly a 'genetic trait' with twins and adoption studies put heritability at up to 80% in adults. The environment that actually matters for national progress isn’t some neutral external force; it’s a social construct built by the people living in it.
Look at what happened after independence in much of sub-Saharan Africa. Colonial powers drew arbitrary borders that lumped together rival tribes with zero shared history, language, or governance tradition. Suddenly these new “nations” had to run modern states with no institutional memory, no unifying national values, and elites who had mostly been clerks or soldiers under foreign rule, not statesmen.
The result? Dysfunctional systems almost by design. Voters in low-trust, high-poverty settings often treat democracy as patronage: they sell votes for cash, rice, or tribal loyalty. Leaders respond by stealing elections, suppressing opposition, and looting the treasury — because the system rewards it. The “environment” for progress never materialises because the human capital and cultural software to create and defend it simply isn’t there at scale.
Contrast that with Japan, Germany, or even Vietnam after devastation: they already had high-average cognitive capital, cultural cohesion, and institutional memory. They rebuilt fast because their people could *conceive* and *maintain* complex systems. Low-average-IQ, fragmented societies don’t just “adapt to failure” — they normalise it because building anything better exceeds the median capability.
You can’t fix the hardware problem by wishing for better software. The environment isn’t exogenous; it’s downstream of the population that creates it. Until that reality is acknowledged, the cycle of collapse-and-miracle-aid repeats.
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The primary drivers of intelligence are genetics and environment. Being raised in an environment with high cognitive demands forces an individual to perform at a superior level.
However, environmental pressures are subjective, conditions that stretch one person's cognitive abilities can overwhelm and harm another.
An individual is most likely to reach their maximum IQ when their biological potential, dictated by genetics, is supported by an optimal environment that facilitates healthy brain development.
For high-IQ individuals, creating and maintaining complex systems becomes intuitive. They do not need to overthink these tasks, their mental operating system is already calibrated to identify and execute the most efficient solutions.
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History proves that a nation's average IQ directly contributes to the quality of its governance and systems.
High-IQ societies like Japan and Germany rebuilt from literal ashes and nuclear bombs in less than 20 years.
Vietnam was bombed into the Stone Age and is now a global manufacturing hub.
A high-IQ society is intolerant of dysfunction. It views a collapsed power grid or a bad road as a systemic rejection of its identity.
In contrast, a society struggling with low cognitive stewardship becomes resilient, a polite word for adapting to failure.
When a society treats a paved road or a functioning sewer as a miracle or a gift from a politician, it reveals a collapse of cognitive standards.
National IQ is the difference between a country that builds the future and a country that merely collapses.
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@Icepilot1582611 @Microinteracti1 did you join before you were attacked?
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@Microinteracti1 WWI
WWII
The U.S. didn't have to cross the Atlantic.
Germany was no threat to America.
We didn't have to give $200B in support to the Soviets.
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DICKSON MAGECHA retweetledi
🕵️ New: U.S. embassies to coordinate with Pentagon psy-ops unit and Elon Musk:
🔹Secretary of State Marco Rubio signed a cable Monday ordering all U.S. embassies and consulates worldwide to run coordinated campaigns against what it calls foreign “anti-American propaganda,” according to The Guardian.
🔹Embassies are instructed to recruit local influencers, academics, and community leaders to spread messaging that appears locally driven rather than directed by Washington. The cable also promotes X’s “Community Notes” feature as a crowdsourced way to counter anti-American narratives “without compromising free speech or privacy.”
🔹The directive tells diplomats to work with the U.S. military’s psychological operations unit and use X—owned by Elon Musk—as a key tool, describing it as an “innovative” way to counter disinformation.
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Bro, projecting much?
I didn’t make it about myself — I broke down the actual mechanics: delayed gratification, ruthless compounding, living lean for decades, and cultural habits that turn small capital into serious wealth. That’s not “theoretical abstraction,” it’s basic math and observed reality.
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@Dicksonmagecha Interesting how you have taken the opportunity to make it about yourself. And your theoretical abstractions about development. There's no shortage of Narcissism in this country.
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Regarding your Luo friend’s take on “working twice as hard” to match the Mlima level — fair question, but the real difference isn’t some invisible 50% head start. Mlima’s actual “trick” is brutally simple: 'delayed gratification on steroids'.
A single shilling you save and invest aggressively while you’re young compounds at roughly 25× every 10 years in the kind of high-return vehicles many in Central Kenya have mastered (land, chamas, small businesses, and smart equity plays).
- Hit KSh 100k investable capital by 25?
- With ruthless discipline, it becomes KSh 2.5 million by 35.
- Keep the pedal down and it hits KSh 62.5 million by 45.
That math is real. But the lifestyle required to pull it off is not glamorous. It means living *way* below your income bracket for decades — driving an old car while your peers flex, renting modest while others buy flashy plots, skipping the endless rounds and trips — so the bulk of your capital stays in the game. That level of self-denial and consistency is rare anywhere, not just in Kenya.
And even with the discipline dialed in, success still needs three more ingredients:
1. Luck (good health, no major family emergencies, right timing on the economy).
2. Networks — the chamas, the WhatsApp investment groups, the “I know a guy” connections that open doors fast.
3. The right partner. Marry (or partner with) someone who buys into the long game instead of someone who wants to spend every extra shilling today, and you literally double your firepower.
So yes, some structural advantages exist around Mt Kenya — proximity to Nairobi, cash-crop history, land that has appreciated for generations. But the real multiplier isn’t geography. It’s the cultural muscle memory of 'save first, compound relentlessly, live lean.
That’s not tribal magic. It’s just compound interest wearing a kanzu of sacrifice. Respect to anyone, from any region, who’s willing to pay that price.
Author Sakwah Ongoma@CSakwah
A Luo friend recently bought land in Nanyuki, where he plans to raise his family.He believes that Mlima people have a 50% head start in life compared to those from Western Kenya. In his view, he has worked twice as hard as his Mlima friends just to reach the same level of success
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@Ochiengbimos When you are young, you have a lot more latitude...its obviously much harder when you are older and with a family to cater for perhaps.
That's why you should start early and be consistent - and you can plan your life's milestones around your capabilities.
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@Dicksonmagecha You are speaking about acountry where the average monthly incomeis something below 35,000?
How can you save consistently when everyone is surviving hand to mouth?
Your analysis is dishonest and too contrived.
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@kelelenamoshi If you saw my post- I am saying success isnt a kyuk thing. Its a 'values' thing. Your habits make or break you. And even among kyuks, very few follow through the hard work needed to succeed.
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@Dicksonmagecha Unaongea ni kama hatuishi na hao wakikuyu. Sijui who listens to this shit.
Indonesia
I mentioned Kenya's now Africa's 6th largest economy with solid growth. Many responding by saying its not being felt on the ground. Firstly, things could be far worse compared to many peers. Food prices have eased in key areas, and remember, there's often a lag before macroeconomic gains fully reach everyday wallets. Progress is happening. These metrics are universal. Not something I've pulled out of a hat.
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@NjeriBt That misses the fact that the growth is not equally distributed. Poverty is rising as inequality gets more entrenched. The GDP is a poor measure of progress - especially when it's so concentrated at the top tier.
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Wealth also follows a normal distribution. Only about 10% of a population gets relatively affluent. The word here is 'relatively'... even the measure of wealth then becomes relative. Someone with 2k camels in North Eastern might be relatively more wealthy- but we won't say North Western chaps are doing well collectively.
For the vast majority of citizens of the world - life is a daily struggle of varying degrees.
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@Dicksonmagecha You cant speak for all Mulima guys. Most of them are just as poor as the rest of us. If that wasnt the case we would have a visible wealth gap which isnt necesarily true. Yes we have wealthy Kikuyus, just like we have wealthy Pokomos too. Most are poor just like everyone else.
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Too harsh. Every self-aware person has a modicum of imposter syndrome. They say if you don't have any , you are keeping company that won't push and grow you. He hasn't said he is inferior.. he just said it was really hard getting where he is. The replier has a lived experience that you have no perspective on- we have to be alive to our own biases and be more empathetic of differing opinions.
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@jrantooo 100% . The power of compounding. It's very slow and unglamorous but there is nothing more effective in creating wealth. Trick is to start early and be consistent
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He is looking at his struggle and its very personal. The general assumption is sometimes is your neighbours didn't struggle as much - but folks tend to portray their successes and hide failures. Remember the old adage "if your neighbour's grass looks greener, ask them about their water bill".
Folks can be very stoic in Mlima while facing a lot of struggles. It's never easy for anyone. We celebrate his success
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@Dicksonmagecha you are assuming that the guy lived lavishly or flexed wealth while others were hustling
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I truly believe with discipline (and a bit of luck) you can thrive anywhere. Yes it's much harder in certain geographies - but the principles are the same. For example if you were born in Europe, it would be easier- but you would still need to save and invest to get to the top of the food chain (excluding inherited wealth). Within the country, with mobility of capital, I assume you would seek out locations that can give you a comparative advantage towards achieving your goals.
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@Dicksonmagecha All the stuff you've said is relative. The fact that have the banking sector. Very good cash crops and proximity to Nairobi is the retainer!. Because if you look at counties like Nyeri and Nyandarua they are much more behind unlike kiambu and kirinyaga
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@Kandayamoko3 @phabiance Am old now.. I dont know what lingo you use nowadays. Used to mean best friend when I was young
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@Dicksonmagecha @phabiance BFF?kwani umekuwa donald Kip.Thats some Gae shit
Filipino
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@Dicksonmagecha @zablonorina1 Interesting. Just yesterday, I was reading s journal comparing treatment between China and India. sylkhealth.com/blog/articles/…
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Does India really offer better healthcare than Kenya, or is it just perception?
Many procedures Kenyans fly to India for are actually done right here at home. For those that aren’t, fair enough.
But let’s talk facts: is it cheaper?
How much is a kidney transplant in Kenya vs India?
Are we exporting patients… or losing confidence in our own system?
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@phabiance You never stop learning. We are here to share perspectives and learn from each other's experiences. Your opinion matters too and your lived experiences shapes that. I only speak from mine
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There is nothing special about being Luo or Kiuk on this. I grew up in Naivasha with my BFF being Luopean. We struggled pamoja, went to the same campus - at what point should the tribe kick-in for this equation that I would need to understand?
I can appreciate the urban-rural divide, but thats a geographical difference, not an ethnic one- they shouldn't matter if you are in the same locality. Struggling is not anyone's potion - you have to remove those mental cuffs. Ifyou are a disciplined chap, you can thrive anywhere.
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@mdubowitz The strait will be reopened with a toll fee. The consideration should be whether its cheaper to wage a war to have it open for free or to just pay the tolls and move on. The economics would probably favour just paying the toll fee
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Next time, let’s wait until Iran has nuclear-armed ICBMs, 10,000 ballistic missiles, a Chinese- and Russian-built military, a million attack drones, a fully operational terror network, and hundreds of billions to harden its economy. Then we’ll fight to reopen Hormuz.
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