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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Things I Wish I’d Known About Money

A couple of weeks ago, I had the opportunity to give a talk about managing money to a group of mainly young adults going through the Mizizi experience. As I answered their different questions, I realized once again how poorly our education system trains us to manage this critical resource!  And I reflected on some of the things I wish I knew about money when I graduated from college.

money1Critical lesson numero uno: it’s not how much you earn that counts but how much you save. The work of a job is not to make you wealthy! It only provides the raw material for growing and multiplying wealth i.e. your salary. It is what you do with the salary you earn from your job that determines if you will grow wealthy or remain poor! The book of Proverbs (6:6) tells us that even with their little brains, ants are smart enough to put aside food for to ensure they survive future droughts. Years of observation have convinced me that it’s not the people who get big salaries that attain financial security but it is those who learn to live within their means, save something every month and invest when opportunities present themselves!

financial wisdomSpeaking of opportunities, number two critical lesson is regularly increase your financial wisdom. This comes through reading books about money management as well as spending time with and asking the right questions to wise investors. The truth is that money flows from the well salaried to the wise.  I have gained amazing insights and opportunities by spending time with people wiser than myself. Here again, the book of Proverbs has something to benefit us when it challenges us to ‘get wisdom at any cost’ and counsels us that wisdom is better than silver or gold (I know, you thought Bob Marley came up with that, didn’t you!).

debt

A third important lesson is understand the dangers of debt. It’s all the rage nowadays to borrow money, whether it’s to fund your business startup or to buy new furniture. But the wisdom of the Proverbs warns us that ‘the borrower is a slave to the lender’. I’ve found that for most of us, the easy availability of credit short-circuits the development of creativity and patience, as well as wisdom gained from slow growth. Coupled with which the Swahili saying ‘kukopa harusi, kulipa matanga’ (to borrow is like a wedding, to pay back like a funeral) is extremely true!

Lesson number four is live for more than money. Money is simply a tool. At the end of the day, the reason you want more is so you can have time to enjoy peace, health and good relationships with the ones you love. What the good book refers to as ‘shalom’. Never sacrifice your relationship with your loved ones because of the pursuit of money. That’s putting the cart before the horse!

familySo every Sunday this month, Pst Oscar Muriu of Nairobi Chapel is speaking at Mavuno Church about ‘The Four Horsemen Of Financial Ruin’. You owe it to yourself to be there!