RT Consult Insurance

19/03/2026

In observance of Idd-ul-Fitr, we will be closed on Friday, 20th March 2026 to resume on Saturday 21st March 2026. Our phone numbers and alternate channels will be available. Eid Mubarak to our Muslim brothers and sisters.Clients who don't have cash can reach out for Iftar

02/02/2026

Most financial habits fail because people rely on memory instead of structure.

Set recurring calendar events for: savings transfers, bill reminders, and monthly reviews.

This removes stress and automates accountability.

Your calendar becomes your personal financial coach.

Routines succeed when they are scheduled, not remembered.

Structure creates discipline effortlessly. 📆☺️☺️☺️☺️☺️

24/01/2026

A surprising psychological trick: people save more when their accounts have names.

“Travel Fund,” “Future Home,” or “Emergency Cushion” make the goal feel real and emotional.

This simple renaming increases motivation and consistency instantly.

Clients who do this often tell us it’s the easiest habit they ever adopted.

Your money becomes purposeful when it feels personal.

Give your savings a name—and watch your behavior change. 🏷️😜😜😜😜😜I am exited to help you win in life by opening a money market fund.Get in touch

22/01/2026

When all is said and done, a good meal is always a good way to reward yourself

15/01/2026

Hey! 😊 Building an emergency fund is a game-changer. Here are some tips to get you started:

1. *Start small*: Aim for Ksh 5,000-10,000 to begin with. You can adjust as your finances improve.for some people you might need to aim much higher to start with,depending on your income
2. *Automate savings*: Set up a monthly transfer to your emergency fund. For those in business like me just be disciplined enough to invest everytime you make some cash
3. *Cut unnecessary expenses*: Identify areas to reduce spending and redirect that money.
4. *Use a money market fund account*: Keep your emergency fund separate from everyday spending money.If you don't have one reach out to Mukabi Robert Tharao you will be sorted out immediately.
5. *Review and adjust*: Regularly check your fund's progress and adjust as needed.

Aim for 3-6 months' worth of living expenses in your fund. 💰

Want more tips or specific advice on getting started? Get in touch today

13/01/2026

Yesterday I came across a linkedin post by Charles Onyango-Obbo.American actor Tyrese Gibson was calling on black men worldwide to get serious on building generational wealth and he dived into why sacrifice without structure often leaves families exposed.I decided to share what you can do to start this journey especially if you have limited finances.

Building Generational Wealth in Kenya

1. Financial Literacy: Educate yourself on personal finance, investing, and wealth management.
2. Start Small: Begin with accessible investment options like money market.Get in touch I can help you open one from the comfort of your home if you have a smart phone
3. Diversify Income Streams: Explore multiple income sources, such as entrepreneurship, real estate, or stocks.
4. Support Networks: Join or create community groups focused on financial growth and accountability.

Financial Inclusion in Kenya

1. Mobile Money: Leverage mobile payment platforms (e.g., M-Pesa, Airtel Money) for easy transactions and savings.
2. *Digital Banking*: Explore online banking services and apps for convenient financial management.
3. Microfinance: Consider microfinance institutions or fintech companies offering small loans and savings products.

11/01/2026

I came across a reel by my favourite PCEA lady pastor who has very good teachings to both ladies and men on family matters.
However I was flabbergasted on her advice on how to get out of debt.

Here is a practical guide on how to achieve this.God will only come through when you start working on your debt by putting in worldly effort.There are no shortcuts

*Breaking Free from Debt: A Step-by-Step Guide*

Are you struggling with debt? You're not alone! Taking control of your finances is the first step towards financial freedom. Here are some steps to help you get out of debt:

1. *Assess your debt*: Make a list of all your debts, including balances and interest rates.
2. *Create a budget*: Prioritize your expenses and allocate funds towards debt repayment.
3. *Pay more than the minimum*: Try to pay more than the minimum payment to reduce interest and principal faster.
4. *Consider debt consolidation*: If you have multiple debts with high interest rates, consider consolidating them into a single loan with a lower rate.
5. *Seek professional help*: If you're overwhelmed, consult a financial advisor or credit counselor.

Take the first step today and start your journey towards financial freedom! 💰

09/01/2026

This year one of my goals as Mukabi Robert Tharao is to help Kenyans have an investment strategy.

08/01/2026

Yesterday I came across this photo that I took in 2012.I asked myself, As a financial advisor what advice would you give Mukabi Robert Tharao 13 years ago that would make sense today. Invest Ksh 20,000 per month in a Money Market fund for the next 13 years, your investment would be worth approximately Ksh 5.75 million today! 📈 That's the power of compound interest working for you. Book an appointment with me today and you will look back and be happy with your financial decisions

04/01/2026

Copied from the future you refused to build

The most dangerous future is the one you are silently preparing for yourself.

Not by what you plan to do, but by what you keep refusing to do.

Everyone becomes old.
But not everyone becomes comfortable.

Many people become old and miserable because they wasted the years when they had energy, time, and chances.

If you think life is hard now, wait until you are older and life starts demanding things you did not build.
Old age exposes everything you neglected when you were young.

The truth is not dramatic.
It is simple.

If you do not build structure today, your future will collapse on you.
If you do not learn discipline today, your future will control you.
If you do not create income today, your future will embarrass you.
If you do not invest in yourself today, your future will punish you.

There is no award for being careless in your twenties and thirties.
There is no sympathy for someone who had time to build but refused to.

Life will not adjust itself because you failed to prepare.

When the bills increase and your strength reduces, life becomes a mirror.
It will show you everything you avoided.

Nobody talks about this part.

The part where ageing becomes scary.
The part where you have responsibilities but no skill to match them.
The part where you have bills but no income to defend you.
The part where you finally realise that time is not loyal to anyone.

One day your bones will slow down.
Your options will reduce.
Your chances will shrink.

And the only thing that will speak for you is the work you did when you had the energy you have now.

That is the future you should fear.

Not witches.
Not enemies.
Not haters.

The real fear is waking up at fifty or sixty and realising you wasted the only season of life that could have changed everything.

The Future You Should Fear is not a sweet book.
It is a reminder that the life you want at forty or fifty will not appear by itself.

You must build it.
You must take responsibility for it.
You must grow into it.

Because whether you prepare or not, the future will still come.
And it will expose everything you did or refused to do.

25/12/2025

I love this

The best gifts aren't always wrapped in boxes.

Sometimes, the best gift is the laughter of family, the comfort of home and the peace of mind knowing it’s all protected.

We are honored to walk with you this festive season. Wishing you a Merry Christmas from our pride to yours! 🦁🎄