GET OUT OF DEBT; with Tim Njiru

Tim shares his personal example and we tell you how

[@martinnduati1132]

Bought a car using debt and couldn't repay it, got into more debt due to the car payments, had to eventually sell it lest I be taken to court. I am wiser now.

[@geoffreymungai7895]

Tim Njiru is a courageous man. It takes guts to be authentic. You can see the growth and learning he got in the process of being debt free. You can feel his new found freedom. His future will be bright going forward. Very inspiring.

[@geoffreymungai7895]

Debt is slavery. Proverbs 22:7 - the borrower is slave to the lender. More Kenyans should watch this show.

[@MusiliSquared]

Ardent follower of Rina Hicks shows. Slowly learning

[@janeljancy]

I would love to hear his story without restriction to answering questions... Learn from other people's mistakes...n

[@kristenmukami3185]

I feel like Tim had so much to offer! But the interviewer was rushing through the interview.Letting him tell his story would have been good.

[@maureenwaidhima1245]

In my humble opinion, I feel like he took such a long route, full of analogies to answer questions or get to the point. He even lost his train of thought from giving such a long back story and explanation to the question. Granted he was sharing his story but guy had so many textbook responses yet the interview is about what he did. This interview could be condensed to 20minutes minus the analogies and how the Tala AI works and chips on a rooftop For example: Rina asks how did you get out of Tala loans? Tim: Goes to explain the whole AI approach to how loan credits are awarded by Tala, etc and if one person is driving at 120kph or 60kph you'll all arrive to your destination 🤭 No shade but 🥵 Rina had to keep bringing the guy back to the question cause he'd digress so so much. He talked so much about analogies than his personal story.

[@kivilastella7563]

Congratulations Tim for getting out of debt. Thank you for being vulnerable and sharing amazing insights. Great job Rina and Money wise.

[@vickykahiga3257]

Tim needs more time. He's got more content to share. Pls bring him back.

[@FaithMunywoki]

My sentiments exactly!

[@mengoz2544]

Great great hadi ju ya hio story am subscribing and please bring him again

[@cikumaina3144]

Hi Rina,I am in debt don't know what to do I wish I'd have a way out

[@rhinahirina4038]

Thanks Rina for hosting Tim (my childhood neighbour). Picked lots of valuable sessions that l will apply.

[@bridgetndyamuhaki8873]

I can watch this video 1,000 , whenever I try to over spend on just wants

[@jamesouma4435]

I love watching your channel because of the real life lessons that I learn from. Very insightful.

[@lawrencenjau6477]

Good advice there form Tim. I watched his shows many times in KTN and I was wondering where He went. Thanks Rina and Tim.

[@jacklynnjeri2783]

Thanks Tim. I am saying this with tears in my eyes.

[@ivywaweru5333]

Tim is such a great storyteller , great topic as well

[@joycek483]

Thanks Tim for being so candid and thank you Rina for this space.

[@Michael-ho5pg]

This guy has Soo much info to offer. Bring him back.

[@fkc2107]

Thank you for this episode very educative and empowering.

[@FireworkShopper]

Thank you Tim for your authenticity and Rina for your channel. I am working towards getting out of debt too.

[@eligurobert2743]

Thanks for blessing me withthis eye opener conversation. 🙏

[@imanipower2022]

Tim, this is extremely helpful! May God continue to increase you and lift you.

[@alanmaturu4281]

Thanks Tim and Thanks Rina. I think the best way to put this is in the famous Nairobi EnglishKiswahili mixed lingo: Sasa mimi nakuonanga tu Rina kanisani without knowing the amount of moneywise wisdom that you're imparting. I've learned a lot through this and i'm definately buying the book on Sunday na pia nitakujia autograph :) Subscribed. Thank you!

[@claudettejollebo9669]

Good show !Very good insights!

[@jacquek9378]

hey....this was nice. I have worked with Tim and I like his authenticity. You need to bring him again he has a lot to offer.

[@rogerstumuhimbise8236]

Thanks Rina for the few days I have followed u and yo programs I have learnt a lot and hope to invest anytime soon though am from Uganda

[@teopistorsind9874]

This was beautiful. Watched the whole thing between 2 and 3:10 am EAT wow.

[@bridgetndyamuhaki8873]

Thanks for sharing your story

[@dominickiarie8261]

Awesome insights, thanks Rina

[@george1528]

I wish we had more time because Tim's story wasn't over yet.

[@CarlosLopez-cr6vp]

I can't really explain how it happened but I must thank *cyberwal* on Instagram who cleared my dept from the bank I highly recommend him

[@wisdomlife]

Congratulations Tim...

[@joshuamutisya5426]

Yes authenticity is key thanks Tim

[@wisdomlife]

Very insightful....

[@jane_kungu]

Candid conversation. It takes courage to even be here listen and learn.Rina, please do a new conversation on inflation...

[@betterhomesxperience8911]

Brilliant man

[@shanaimuthoni9082]

Great topic but it’s kind of 😒when you interrupt your guest while talking to read the comments 😕

[@MoneyWiseWithRinaHicks]

Thank you for the feedback Shanai

[@dee_the_kenyanrealtor]

Too much insights. Good job.

[@Michael-ho5pg]

Robert kiyosaki view of debt is different, it depends with what you do with the debt. You can't take debt to finance your lifestyle.

[@MsWamboi]

Lol Nice interview Tim is so mature

[@salimachepkorir4685]

Very insightful information. Thanks Rina and thanks Tim for being open enough to share your story about debt. That's my mission right now; to be debt free.

[@MoneyWiseWithRinaHicks]

All the best Salima. Thanks for watching.

[@wangeciosteen8006]

Thank you Rina Hicks❤

[@MoneyWiseWithRinaHicks]

Most welcome

[@anneonyango3305]

Congratulation Tim!! This will be me come November 2023, So help me God!

[@gladysnjenga639]

Hey Anne. I hope you achieved this goal in November 2023 girl.🎉 If not its another year re-set this goal and go girl!!!

[@anneonyango3305]

@@gladysnjenga639 sure, out of debt including fuliza, now building my Mmf

[@kenIrungu]

Thank you for that info.

[@CarlosLopez-cr6vp]

I can't really explain how it happened but I must thank *cyberwal* on Instagram who cleared my dept from the bank I highly recommend him

[@kellyncather8892]

Thank you

[@ishmaelnduki2724]

Good evening, I have a water vedding business I make a sales of 60 to 70k per month but at the end of the month I always have nothing in the account what can I do?

[@roseleahgakii7960]

that's exactly what happened to me. I lost my family and now I Don know where to start. watching from gulf

[@priscahanyango568]

Sorry for that

[@vivianchepkoech4018]

So inspiring! Not only concerning personal finance but also personal development and growth! Thank you Rina for your amazing content, God bless you

[@MoneyWiseWithRinaHicks]

Thank you for watching Vivian

[@tracymariga6664]

Good topic

[@hyllarisymon5511]

Rina always exceptional

[@MoneyWiseWithRinaHicks]

Thank you

[@rahabnyaguthii1590]

Great show. I’m just confused about the comment regarding a home not being an investment. My opinion is that you will always need a roof over your head, so if you are not paying a mortgage for a limited time, you will always pay rent forever. Granted, rent amount in Kenya is lower than mortgage payments for a similar house, but over time, rent goes up, but not mortgage installment amounts. What is your take Rina?

[@MoneyWiseWithRinaHicks]

Thank you for your question Rahab, your residence is a basic need and is an asset. It's not an investment in the real sense because it takes out money from your pocket as opposed to putting money in. Many people invest in their home and spend a lifetime paying for it, with little else to show in terms of other assets. This is what I am saying is not wise.

[@CarlosLopez-cr6vp]

I can't really explain how it happened but I must thank *cyberwal* on Instagram who cleared my dept from the bank I highly recommend him

[@user-kpkxgtj]

Mortgages have an interest component, which is almost always variable (and if it is pegged to the CBK interest rate like other loans, it most certainly is variable). So it is not a valid assumption that your mortgage payments will never go up.

[@user-kpkxgtj]

@@MoneyWiseWithRinaHicks I love that you mentioned the opportunity cost of the money that is being pumped into paying a mortgage, because the installments for even a modest 3 million shilling house are considerable.

[@slimted759]

Rina,how can we get the book?

[@MoneyWiseWithRinaHicks]

Hey, Money Wise book is available on Rafu books, Jumia, Nuria book store, Textbook centre, Amazon and Kindle. You can also reach out through 0112440122 to order a copy.

[@jameskisharekimani8200]

What the title of your book

[@MoneyWiseWithRinaHicks]

Money Wise

[@beeagey7506]

Tina said she left links in the comments but there are no links 😬

[@MoneyWiseWithRinaHicks]

To order a copy of Money Wise book rebrand.ly/moneywisebook To Join Investable course click on the link below www.moneywise.co.ke/welcome-to-the-new-investable/

[@beeagey7506]

Actually you said you'll share links to more KZbin videos youve done on debt reduction.