Hive Insurance Agency

30/05/2025

Retirement in Kenya Is No Longer a Milestone — It’s a Crisis.
One of the most unsettling patterns we’re seeing today is this:

People retire… and then immediately start looking for another job.

And not because they love work.
But because they can’t afford not to.

We’ve sold this idea that retirement planning is just about saving money —
That if you contribute to a pension fund or SACCO consistently, you’ll be okay.

But here’s the reality no one talks about:

– Most retirees are not financially ready.
– Most never built a business, skill, or system that could sustain them.
– Most were never taught that retirement planning is more than just saving — it’s about preparing.

Preparing your mind.
Preparing your skills.
Preparing income sources outside of your payslip.

The tragedy?
You dedicate 30+ years to a job, and when it’s over, you leave with fear, not freedom.

Because no one told you to:

– Build a second stream of income
– Start a small business while employed
– Learn a digital skill to remain relevant
– Use your salary to build systems, not just survive

And now we’re seeing a generation that’s technically retired but still applying for jobs — because they have no other option.

Let’s shift the conversation.

Retirement shouldn’t feel like exile.
It should feel like elevation.

So start now.
While you’re still working.
While you still have time.

Because depending on your salary to carry you into the next 30 years?
That’s a gamble — not a plan.

05/02/2025

14/01/2025

09/01/2025

20/10/2024

For the spirit of heaviness God gives us a garment of praise.

09/10/2024

Facing problems is inevitable as an entrepreneur. Reaching your version of success isn't about wishing your problems away, but approaching them from a new perspective. We all have obstacles — it's what you do with yours that counts.

06/10/2024

What if one day
you come to the realization
that you never again have to explain
yourself away to anyone anymore,
or that you no longer must carry
the burden of another’s false perception of you
or your own perceived inadequacies
and you could relax, finally, in knowing
you’re incredible in the light you are
standing in at this moment.
And what if you go on to not care
about the judgments someone
else might have—that your life is
not full or amazing enough—or that
you no longer feel the need to endlessly
apologize for being human?

That day
has been graciously
waiting for you
to begin swimming in
its warm waters of love
and acceptance.
~ Susan Frybort, Susan Frybort

~ Art 'Set Free' by Janice VanCronkhite

24/07/2024

23/07/2024

Building capital is easier if you avoid conspicuous consumption...
____And start just where you are, with what is in your hand(s)!

Back in the 1970s, a West African student said to me: "If the truth be told, the first Africans to study in Britain from West African countries like Nigeria and Ghana, were sons and daughters of 'market mamas'."

These are women who spent all day in markets selling goods they bought from outside the country or grew in the fields. They did not know anything about so called “investors” or formal “bank loans.” And they had no “government support,” that is for sure!

What they had in common was their capacity at thrift, discipline, and frugality.

They their way to wealth in the best way they could at the time: saving every penny and making it work for them over time. This meant either putting it back into buying more goods to sell to expand their market reach [what we now call ] or investing it in the education of their kids, many of whom ended up at prestigious universities like Oxford and Cambridge. [In the Afterthoughts I'll share one article about how "Compound Interest" works nowadays].

Such a pity that in most instances, their educated kids then saw entrepreneurship as being completely beneath them and chose the comfort of jobs in the civil service and the corporate world. Just imagine what would have happened if many of them had built on the resilience and entrepreneurial spirit of their mothers, using their education?

Would we not have built mega corporations like those in India who built from generation to generation what their mothers began?

My mother gave up a job as one of the first black female executives to start her business. There were no “venture capitalists” or banks. Instead she bootstrapped her way to capital. She started by buying second-hand clothes and selling them at a local market. She saved every cent and kept detailed records of every cent she had. She shunned expensive clothes and makeup. Through her savings, she built up her capital.

I knew this story well when I started my businesses, and it always inspired me to be humble and not be afraid to get my hands dirty doing the actual work.

What are the takeaways?

#1. “Don’t despise humble beginnings, build on them!”
#2. The power of Interest and proper savings ensures that anyone willing to be thrifty, patient, and frugal - putting the money into the bank and back into the business - will over time grow bigger, often exponentially!
#3. True entrepreneurs avoid conspicuous consumption; that is, buying expensive stuff that has zero to do with growing the business, much of which depreciates the second you walk [or drive] out the salesroom door with it...

This is the trade-off between being small and medium-sized to building a big business.

What is the point of having a great innovation or business idea while sitting around moaning about lack of this or that?

Come on!

Go sell tomatoes, if that's what will get you in the game!

Image credit: KWB-UbuntuHope/via AI. “You shouldn’t focus on why you can’t do something, which is what most people do. You should focus on why perhaps you can, and be one of the exceptions.” Steve Case