You Were Made For More!

It was a few months to the KCPE exams. The obligatory family prayers were organized to solicit divine assistance for the beloved candidate. At some point during the event, the grizzled, wise grandpa pulled aside the young student for a chat. He asked him what he was planning to do after he passed his exams. The bright, young boy answered without hesitation, ‘I want to get accepted into a prestigious national school’.

grandpa‘And then what?’ asked grandpa. ‘Well, then I’ll work hard in high school, pass all my exams and go to a prestigious college for a business degree. After that I’ll start a business and make a lot of money!’

Undeterred, grandpa asked again; ‘and then what?’ ‘Well, I’ll buy a good house, drive a brand new German car and get married to a beautiful lady. We’ll have three children, and we’ll take them to the best schools so that they can also be successful’.

As more gathered to listen in on the conversation, grandpa asked yet again, ‘and then what?’ ‘Hmmm, and then I’ll make a lot of money and become very famous. I’ll win many awards and recognitions. I’ll be on TV all the time. And then my wife and I will retire, play golf every day and see the world. Once in a while, we’ll visit our children and their families and they can also visit us in our big house when we’re old’

With a twinkle in his eye, grandpa persisted, ‘and then what?’ ‘What else is there to do?’ the flustered boy asked. ‘We’ll grow old together with my wife and one day we’ll die!’

‘And then what?’, asked grandpa smiling gently. This time the young man scratched his head and was silent. He really didn’t have an answer.

createdThe old man’s point of course was that there is more to life than being born, making money, having a family and then dying. As an old preacher said, ‘we were not just created to be hatched, matched and dispatched’! There is much more to life – there is a God-designed purpose in each of us that we were created for.

Your passions, personality, abilities and experiences, both good and bad, are clues about what you are uniquely gifted to accomplish. Your purpose is not just to make you comfortable but to impact others and to leave this world a better place than you found it.

As Paul of Tarsus wrote almost 2000 years ago, ‘we are God’s masterpiece. He has created us anew in Christ Jesus, so we can do the good things he planned for us long ago’ (Ephesians 2:10)

So by all means, be ambitious. Excel at what you do. Aim for the stars! But in the process, don’t loose sight of the fact that your life is not a random accident. There’s a unique role you were created for. And you owe it to yourself to discover what it is.

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Escaping The Debt Trap

repossessionThe grim faced men stormed past our front door and up the stairs. I heard them knocking loudly. After a few minutes, they descended again, this time carrying household items; fridge, TV, microwave and sofa sets. ‘I didn’t know our upstairs neighbors were moving!’ I remarked to my next-door neighbor. ‘I don’t think they are’, he replied. ‘Those are not movers, they’re auctioneers!’

Being repossessed or otherwise harassed because of failure to pay a debt is one of the most humiliating experiences you can ever go through! Many people discover too late that debt is often a path not to quick wealth but to humiliation and poverty. Debt is also one of the surest ways the enemy uses to destroy people’s  purpose and destiny today!

So what if you’re already heavily in debt? How can you escape the debt trap?

gazelleThe richest man of his time once gave this advice to people in debt – “Free yourself like a gazelle from the hand of the hunter” (Proverbs 6:5). This is not a cute little metaphor! When a gazelle catches wind of a predator, it takes off with all its might. . Even a cheetah, the fastest animal in the world, has a kill rate of only 5% when it comes to gazelles. Is it because the gazelle is faster? No! It’s because it is focused. The lesson from King Solomon is that you’ll only escape the debt trap if you have gazelle-like intensity!

In my book ‘Financial Fitness’, I explain the following four steps to get out of debt. STEP ONE is to take a deep hard look inside to discover what led to your situation. Constant indebtedness is often a symptom of underlying fear, pride, or a get-rich-quick mentality.  You need to be able to face the truth and ask God’s help to think and act differently. You need to ‘be transformed by the renewing of your mind’ (Romans 12:2). This may also mean forgiving others who may have let you down. True repentance may mean cutting up your credit cards and making a commitment; ‘I will never borrow again’. As the saying goes, if you find yourself in a hole, the first thing you want to do is stop digging! Then ask God for wisdom to build wealth the right way (see James 1:5)

pay debtSTEP TWO is to create a survivor budget, which includes only absolute necessities; basic food, shelter, utilities, clothing and transport. You may need to sell your furniture or car, move back to your parent’s home or cheaper house, or look for a second job. I know it sounds crazy but when you’re on a cheetah’s breakfast menu, only gazelle-focused intensity will save you!

Remember, if all the Joneses (the cool looking broke people) still think you’re cool, you’re probably not focused enough. You have to get passionate about it. Your destiny is at stake… This is war!

no debtSTEP THREE is to make a plan to pay off all your creditors, starting with the smallest debt first. Paying off the smallest first creates quick wins, which increases your motivation. Plan to negotiate with the rest of your creditors to make a minimum payment on each of your debts except the smallest. Every extra shilling you can squeeze from your survival budget goes towards the smallest debt until it’s paid. Once done, turn attention to the next smallest one and then the next. Every time you pay off one, the amount available for payments gets larger and your momentum increases.

STEP FOUR is talk to all your creditors. Show them that you have a plan and intend to pay something each month until you do. The worst thing you can do is go quiet on them. Ask God to help them see your sincerity and extend grace to you.

All this is certainly not easy and it may take several months or even years, but the result is freedom to start again. So are you ready to start? Remember, it will take gazelle-like focus and intensity to escape the debt trap!

God and debt

This weekend, catch Pst Oscar at Mavuno Church as he continues with the counter-cultural and transformative series, ‘The Four Horsemen Of Financial Ruin’

Sober Love Decisions

month of loveFebruary is the month of love. And love is such a beautiful thing! Scientists tell us that when you fall in love, chemicals called neutrophines and dopamines are released in your brain giving you a permanent high. Scientists have compared falling in love with taking heroin or having obsessive-compulsive disorder. Your ability to think straight is compromised! A haze comes over your eyes and you can only see the other person through your love-induced state.

That’s why you want to make some critical decisions before you fall in love. It’s a little like figuring out how you’ll get home before you sip that first drink. Most people already have already thought through what they absolutely can’t stand in a relationship. Ladies generally tend to have more substantial criteria, and will write off a guy who is constantly in debt, lives with his mom, or has a roving eye. Guys generally tend to focus more on what they see and have no time for a gal with bad breath, poor social poise or who doesn’t pay attention to her looks.

sober decisionsA major problem in relationships today though, is that we major on minor things and minor on major ones. That’s why our relationships keep blowing up over and over! Most people don’t know a real deal breaker when they see one. The dictionary defines a deal breaker as ‘any issue or factor that is significant enough to terminate a negotiation’. You need to figure out your deal breakers while you’re still sober, and not when you’re already love-high from a relationship!

Some of us have a loooong list of deal-breakers. “He must be taller than me so that I can get married in high heels.” “She must have nice long legs, and cook like my mom does”.  But in my new book ‘Finders Keepers: How To Find And Keep The One You Love’ (coming out this March), I describe the only two deal breakers that are critical if you are looking for love that lasts a lifetime.

money crazyThe first is a common authority. Each one of us has something or someone that serves as our ultimate reference point. Examples are money, career, self, or God. I’m not telling you what your ultimate authority needs to be. But for love to last a lifetime, you need to hook up with someone who subscribes to the same authority.

The second critical deal breaker has to do with passion. You need to connect with someone who values the things that are the most important to you. You may be in different professions but you need to share a bigger passion e.g. to mentor young people, to help poor communities, to preserve the environment, or to advocate for justice.

Do you want a love that lasts? Make the sober decision to only hook up with a person who fits these two criteria!

The Power Of Vision

A couple of weeks ago, I had the privilege of spending some time with one the governor of one of our counties. I must confess that my expectations before the meeting were not extremely high, as I have often encountered elected leaders who were more about hype and charm than substance. To my surprise however, I left our meeting pretty clear about the man’s vision and priorities and even inspired to want to be part of the change that he was so passionate about!

vision2That encounter really got me thinking about the power of vision. Not just for elected leaders but for all leaders. Leadership guru Bill Hybels describes vision as ‘a picture the future that produces passion’. The word ‘picture’ suggests a description of the future that is easy for those following to visualize, understand and buy into. Whether you lead a government, an organization, a work unit, classroom or family, vision is your most potent leadership tool!

It’s pretty obvious to me when I walk into a space where there’s a clear and well-articulated vision for the future. You very quickly sense the energy and passion of those who work or live there. They have high ownership of their roles. They go beyond the call of duty, doing way beyond what is expected of them, in order to do the task well. Why? Because they believe! Vision is what turns bystanders into believers.

vision1The leader’s first task is to define such a vision for their followers. Unfortunately, most leaders don’t know this. Some think of vision as a generic statement crafted at an offsite retreat to be framed and hang in a prominent place in the company’s reception area. Others ignore it as they immediately dive into tackling the most urgent problems. But without a clear vision, it’s difficult to know what to focus on today and what to set aside for another time!

Vision also enables those you lead to willingly put up with present discomforts because they have bought in to a preferred future that they are willing to sacrifice for. In addition, vision increases long-term effectiveness. As people join the organization, they already know what it stands for and rather than each pursuing their own agenda, they are able to bring their various gifts and strengths to bear on achieving the same thing.

A good vision also leads to good results. Over the next year or so, it will become rather obvious which of our forty seven counties have a clear and compelling vision and which ones are merely engaged in urgent activities and in managing the status quo!

But enough about governors and counties; what is your vision for the people that you lead? What is your picture of the future that produces passion?

excited

Created For More!

profit

The sole purpose of business?

I had a delightful dinner recently with two business executives who work for one of the largest food companies in the world. Through their very influential positions, they have pioneered an alternative economics model that challenges the prevailing global paradigm that the sole purpose of business is to maximize shareholder profit.

‘The economics of mutuality’ as they’ve dubbed it, is based on the biblical Jubilee concept in Leviticus 25 and sees the three-fold purpose of business as being to provide for ‘people, planet and profits’. In other words, the company’s managers in their numerous units across the world will only be considered successful if their business adds real value to all the people involved (farmers, buyers, factory workers, distributors and consumers), leaves a positive environmental impact and also brings reasonable profit to shareholders. This humongous multinational with turnover larger than Kenya’s GDP is seeking to implement this revolutionary model across the board so that the company’s success is measured from all three bottom lines!

triplebottomlineWith the blessing and funding of their company, my friends are also working with one of the world’s most prestigious universities to design an alternative MBA to educate the next generation of business majors differently. Their goal is to change how we all think about business. There is much openness to their work, especially after the global economic crisis revealed the brokenness in our prevailing individualism-driven, greed-based capitalistic approach to business.

I really enjoyed the meeting with the two gentlemen. Apart from my obvious fascination with their work, it was fun watching them in conversation. Their eyes lit up and it was clear that this was more than just a job to them. It seemed to me that they would have done what they were doing even if their company wasn’t paying for it!

thankgoditsmondayAfterwards, I reflected on how many people today are trapped in jobs that they don’t enjoy and that don’t have any meaning for them other than their monthly paycheck. So many dread Mondays and thank God when it’s Friday! And many people I know are miserably waiting for the day when they eventually make enough money so that they will be able to do more meaningful things that will give them joy.

The good book says that God pre-designed each one of us for a unique purpose. None of us is here by coincidence or by accident. None of us was designed to simply be born, go to school, get a job, make money, get married, have children, retire and die. There is a much bigger reason for your existence! When like my two friends we discover and begin to live out that purpose, we understand that our natural talents, passions, personality and even our life experiences (whether positive or negative) are all gifts to help us excel in the thing that we were created for!

You owe it to yourself to discover and pursue your purpose. Your family, friends, neighborhood, workplace, industry, nation, continent and even the entire world could end up being dramatically impacted for the better when you do!

Every Child Is Gifted!

pharmacistWhen I was in high school, my heartfelt ambition and desire was to be a pharmacist. I still remember the day when that idea was planted into my mind. My dad was driving me back to boarding school after the holidays and I asked him what career choice could make someone rich as quickly as possible. Absentmindedly, he mentioned that a couple of his richest friends were pharmacists. Unknown to him, he had just set my career direction for the next few years! All my subject choices thereafter were made with this goal in mind, to become a rich pharmacist.

education2How did you end up deciding what to do as a career? Few of us as children had someone thoughtfully guide us in our future career choices. Instead, the choices were made for us through what some family member thought would provide the greatest financial security, or through other random acts of fate. Many of my friends in my university days had little passion for the degree course they were studying. In fact, our street translation of the acronym BA (Bachelor of Arts) was ‘Baba Amenituma’, which means ‘my dad sent me’. This was because many were in school studying subjects that only their parents thought were important!

The unfortunate result of poor or no career guidance is many frustrated young graduates who enter careers they have little passion for or interest in. They dread going to work on Mondays and heave a huge sigh of relief every Friday! Along with those are thousands of others who have not been able to get a job in their area of training and yet are unable to translate their years of learning into solutions for societal problems around which they can build a business. As one wise man put it to me, we are a nation of schooled people who are highly uneducated!

wayne rooneyMany parents are unwitting accomplices in creating this problem. We stress our children to get A’s in their exams creating the impression that children who are not academically gifted are failures in life. And yet every child, including those not academically inclined, has innate talents and strengths that can help them uniquely succeed in life. Wayne Rooney, Juliani and Eric Omondi are great examples that today, you don’t have to become a medical doctor to have great impact on people and culture, and to create wealth in the process!

educationThis last week, 840,000 primary school students across the country sat for their KCPE exams. Many of them did so with fear, based on the knowledge that their final grade will have a significant bearing on the way their lives turn out. I want to challenge all parents, uncles, aunties and teachers reading this. Let’s definitely encourage the candidates to do their best. But even as they do so, let’s affirm and encourage development of their innate God-given talents.

Every child is uniquely gifted to be a success in life. They only need to find someone who believes in them and calls out that gifting!