The past, the present and the future

With Dr Wilbert R. Mutoko

31 July 2017


Many people have been taught that in order to become ultra successful, they should focus on the future and forget their past.

However, for you to be ultra successful in life, career, ministry, spirituality, health, relationships, finances, business, school, family, etc., you need to learn from your past, manage your present and work on your future. There needs to be a balance.

If you ignore your past, you will possibly repeat past mistakes or you fail to maximize on past lessons. Similarly, if you ignore your present, you may never set a good foundation for your future. Remember that tomorrow’s yesterday is today. What you do today determines your success tomorrow. In any case, if you ignore your today, how do you survive your present circumstances?

Therefore, I suggest that you forget past pains, but learn as much as possible from the past. Then take advantage of your present and be realistic; thus avoiding just hoping that the future will be great without wise planning and action.

All the best my dear. See you at the top!


Retiring with dignity

15 April 2017


Reflections with Dr Wilbert R. Mutoko

I get hurt when I see retired people receiving wrong financial planning advice. This leads these senior citizens to be heart broken and die miserable lives. Some of them end up having to beg for any kind of job just to get by.

It is unprofessional for a financial adviser to give advice to a client which only results in benefit to the adviser. However, I believe it is wickedness for a financial adviser to misguide or cheat a senior citizen. Imagine! A young person can make financial mistakes and still have time to recover. But what about a retired senior citizen?

My message to financial advisers – Please I beg you to be professional and stop fleecing people old enough to be your parents or grandparents. Cheating people that have no other option to earn money. These are people that need to relax and enjoy the fruits of their labor, rather than to die in financial misery.

My message to retired/retiring senior citizens – please, you no longer have the time, energy and opportunities that you had in the past. Therefore, avoid seeking advice from unaccredited financial advisers or from friends that know nothing about financial planning. Be knowledgeable. Only get advice from professional people.

Why seek help from professionals? The reason is simple. Same applies to choosing a construction company. While it seems cheap to deal with an unregistered construction company, in the long-run you pay more to bogus construction firms. Never the less, if at all a so-called professional cheat you or misrepresent facts, you can report them to the association and steps can be taken against them.


Reflections with Wilbert R. Mutoko – DON’T GIVE UP

“Do not overestimate the competition and underestimate yourself. You are better than you think.” – Tim Ferriss

Yes, my friend, you are far greater than you think. You are capable of achieving lots for you, your family and nation; only if you can believe in you and stop criticizing yourself negatively.

Why do you always see good in others, but see bad in you? Why do you always glorify others, but you beat yourself down? Why do you assume that you are good for nothing, yet God has deposited treasures in you?

My friend, arise and shine! It’s your time!

Forget about past failures! Forget about your mockers and critics!

Stand up and go back to school. Arise and look for that dream job. Start and grow that business.

While waiting for a partner, build yourself through reading and volunteering somewhere. Let that marriage work.

Visit orphans and widows to pray for them and motivate them.

Stop crying. Do something special with your life.

You are a winner!

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18 August 2016
By Wilbert R. Mutoko

Excerpts from the book ‘Think & Gain Financial Freedom’ by Wilbert R. Mutoko
Copyright 2016

You can blame colonization, your parents, siblings or misfortune for your current circumstances. But believe me, it is not going to help you. You need to arise and develop you. You are the difference maker that you have waited for for so long.

Successful people read at least one new financial book once per month. You however, should not just emphasize on reading books on finance alone.

It is not good to concentrate on one area of life because if you neglect learning about health, family, career, business and relationships; you will end up being successful financially but with an ailing body, struggling business, spiritual stagnation, failing at school or sick marriage.

Great people endeavor to develop all-round success. That is financial success, spiritual success, marital success, career success, academic success, health success etc.

By reading books in each of these areas, you end up having a balanced life, and you enjoy true success.

I therefore would like to encourage you to read at least one book per week. If you do not like reading, you can buy audio books to boost your knowledge and skills.

So if you really want this week to be better than last week, learn what you didn’t know last week.

Similarly if you want this month or year to be more successful than last month or year, you must learn what you did not know then.

Such learning usually comes through personal development – reading books and watching good teaching videos or listening to audio cds.

The difference between successful people and others is what they know and what they do with what they know.