Mungai Charles (KE)

Most people will go to bed tonight the same way they woke up this morning. Spend 1 hour with this. A MIT lecture on generational wealth that teaches you more about money, compounding, and building something that outlasts you than 20 years inside any hedge fund, investment bank, or financial institution ever could. Wall Street teaches you how to make money for someone else. This teaches you how to build something for yourself. The people who watch this tonight will make one decision differently this week. That one decision will compound for the next 20 years. The people who skip it will keep taking financial advice from people who profit when they stay confused. Completely free. Bookmark this before you open Netflix 👇

Successful founders do these things: 1. No traffic ➟ Do SEO 2. Stuck traffic ➟ Improve landing page 3. No reach ➟ Post valuable content 4. No replies ➟ Ask questions 5. No leads ➟ Run free giveaways 6. No sales ➟ Fix your offer 7. High churn ➟ Offer discounts 8. Static ➟ 2x on what's working 9. Fail ➟ Start again It always works great...

I studied finance, and I hate to disappoint you, but: The faster you become wealthy, the fewer problems you will have. Here's how:

Useful knots you should know

Malindi to host women-only ‘Dera and Dance’ weekend bit.ly/4mVOODv

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@SafaricomPLC your recent changes to the #Mpesa app have brought a very painful 😒 and frictional user experience. It's so clunky, can't you just roll back, then fix and give us something pleasurable to use? Ama form ni kutuskuma tuingie @Payless_Africa

When I started in sales, I was stuck at $0 for 6 months straight. Then I made $1,000,000 the following year. Everything clicked when I understood this one concept: Sales has stages. I was stuck at $0 because I didn’t know which stage I was in… or what I needed to do to move forward. These are the 4 stages to becoming elite in sales: 1. Unconscious incompetence You don’t know what you’re doing… and you don’t know that you don’t know. You chase rapport. You overexplain everything. You leave calls thinking it went well, but you never close. How to move to the next stage: Stop thinking you’re the shit. Record your calls, get feedback, and most importantly: LISTEN. Throw your ego out the door. If someone ahead of you tells you how to do things, follow. 2. Conscious incompetence You realise how bad you actually are. Now every call feels awkward. You overthink everything. You’re painfully aware of every mistake you make. This phase WILL feel like shit, and most people quit here. How to move to the next stage: Repetition, repetition, repetition. It’s all about volume and experience here. 3. Conscious competence You have finally figured out what works. But you always have to think before executing. You’re running frameworks in your head mid-call. You catch yourself before making mistakes. You slow things down on purpose. Calls are becoming controlled, but not effortless yet. How to move to the next phase: Keep doing exactly what works. Don’t experiment too much. Refine, tighten, and repeat until it becomes automatic. 4. Unconscious competence It’s automatic. You don’t think about what to say. You just know where the conversation needs to go. You pick up on tone, hesitation, and intent without effort. You can control pace, pressure, and direction without forcing it. This is where people begin to call you a “natural.” How to stay here: Keep your standards high. Don’t get complacent. And don’t forget the fundamentals that got you here.

Coach Keren Eldad on Warren Buffett's 3 qualities to look for in people:

Ex-Google CEO's BANNED Interview LEAKED: "You Have No Idea What's Coming" Ex-Google CEO Eric Schmidt recently made headlines with some controversial comments about AI during an interview conduced at Stanford University. This interview was taken down at his request after he admitted to misspeaking. But did Eric Schmidt actually let on to something big coming in terms of the future of AI?

Iran destroy American radars in the region,Increased rainfall Dams are overflowing after 7 years. Tucker Carlson Exposed American Weather Engineering in Iran. Follow Us for updates.

If you use AI for productivity today.. buckle up! Long gone are the days of using generalized AI ChatBots like ChatGPT, Gemini, Claude, Perplexity, and Grok. AI is shifting very fast. Today, AI competition has morphed into specialisation. For instance, in Video generation, there's a competition between Veo, Sora, Runway, Kling, and Seedance. It's about which AI generates videos best and at a low cost. In agentic coding, it's Cursor, Claude, and Devin. Programmers know this. ChatGPT is left for things like solving a friend's argument about who's better; Christiano or Messi. Wolfram and Mathematica have set themselves on a race on which AI is better at math. Data analysts are using Julius, Camel, and ThoughtSpot. Whatever field you are in, somebody is creating an AI bot or agent for it. If not, that's your opportunity to take the lead. After specialisation.. we will be headed to the cocktail stage. A specialised system made of a specialised cocktail of leading AIs working together to solve a problem. Think of a cocktail of marketing, sales, data analyst, accounting, taxation, human resources, and finance AI agents working together seamlessly to sell a product 😎. This is the way.

You just lost a deal because you asked "what do you think?" I know because I used to do the same thing. Finish the pitch. Lay out the solution. Then ask: "So... what do you think?" And watch them say: "Let me think about it." You know what doctors don't do in the ER? Ask patients what they think. Guy comes in. Chest crushed. Ribs snapped. Lungs filling with blood. Doctor doesn't say: "So... what do you think we should do here?" He says: "We're cutting you open. Now. You've got internal bleeding. If we don't operate in 30 minutes, you're dead." No permission. No "Does that work for you?" He tells you what's happening because he knows what you need to survive. You do the same. You've diagnosed their problem. You know the solution. So stop asking: "What do you think?" Tell them. "You're starting the 12-week program. First payment is £5K. Results in 30 days. When can you start?" That's closing.

I made this guidebook for my 1-1 manager meetings with reports. What would you change or improve?

Most divorces start with money fights. Smart couples never have them, because they use 4 separate bank accounts. Here’s how it works:

There's one question I ask on every call that makes clients go completely silent. "If your best employee quit tomorrow, what process dies with them?" The silence usually lasts 5-10 seconds. Then they start listing things. Sometimes 3 things. Sometimes 12. That list IS the project. Those aren't just workflows -they're single points of failure dressed up as "how we've always done it." The last client listed 7 things. We automated 4 of them in 3 weeks. The other 3 we documented so any new hire could learn them in a day instead of 6 months. If you run a business and can answer that question with more than 2 items, you don't have a team. You have a house of cards held together by one person's memory.

Never let a personal finance teaching moment pass with your kids My son brings home straight A's on his report card Promised him $20 per A Hand him $120 Then take back $12 > not this again "I need your W9" > I don't have a W9 "Still? That changes things" Take back another $32 > WHAT "No W9 on file means backup withholding at 37%. It's the rule" > Whose made that rule?? "Me. But it's based on a real one" > So when do I get that money back "You can file your return with me in February sometime and we'll reconcile" > it's March "Right so you've got a bit of a wait" > but you already know I overpaid. You're the one who took it "Probably. But that's not how this works" > You took too much of my money and you know it and you're going to keep it for 10 months? "Correct" > Do I at least earn interest on it "No" > So you're holding my money. For free. And I can't do anything "Now you're getting it" > What if I just want to underpay next time "Then you'd owe me interest" > you just said there's no interest "There's no interest when I owe you. There's interest when you owe me" > That's not fair "I'm bigger than you" > Wait. I gave my Pokemon cards to my brother last week. Doesn't that help me "That could be a charitable contribution. Do you have your written acknowledgment letter?" > He's 6 - he can't even spell his whole name "Doesn't change the facts. A letter from your brother stating what you gave him and confirming he provided nothing in return is needed. And a reliable valuation of the cards since it's non-cash" > ... so no deduction "No deduction" > Where does my tax money even go "Great question. We publish a full fiscal year report" > Okay where can I see it "It's not ready yet. We release it 9 months after year end" > so I won't know what you did with my money until September "Of next year. Correct" > What benefit do I even get for paying the tax "You don't get grounded and you keep your phone" > That's not a benefit that's a threat "We prefer 'essential services'" > What if I don't pay "Impossible. We'll garnish your future allowance" > YOU'RE my allowance "Then I'd say compliance is in your best interest" > this is insane I hand him a form and tell him if he wants to dispute any of this he has 30 days after filing his taxes with me to file an appeal > But you're the appeals court too... "I'm everything. I'm the system" > Can I talk to mom "The largest expenditure line item in the budget? Sure go ahead" He comes back 30 minutes later with a form "What's this?" > My submission for the child care credit for all the time babysitting my brother. It's basically a day care and I need state sponsored funding "Dang. You're good"

I wish they showed me stuff like this in school.

🚨 In 1937, a man interviewed 500 millionaires over 20 years. He was broke when he started. The millionaires laughed at him. The publishers rejected him 10 times. His own son was born deaf he called it his greatest gift. His name was Napoleon Hill. His book was Think and Grow Rich. It sold 100 million copies. It was banned in Communist countries. Warren Buffett read it at 19 and never stopped. I turned Napoleon Hill's 13 wealth principles into 12 Claude prompts. You describe your money situation and it gives you the exact mindset shift and strategy that built 500 millionaire fortunes. Here are all 12: