Ecclesiastes 9:11 (KJV)
“I returned, and saw under the sun, that the race is not to the swift, nor the battle to the strong, neither yet bread to the wise, nor yet riches to men of understanding, nor yet favour to men of skill; but time and chance happeneth to them all.”

My baby had a very stubborn diaper rash and we kept getting treated for it but it wasn’t disappearing fast enough. I was getting very frustrated with it so when I took my baby back for review, I kinda gave the doc that look and said, ‘Your treatment is not working Doc!” He took a look at her, noted that she was doing better than before and then asked, “Are you doing what I told you to do?” I replied in the affirmative. He said, “Keep doing it and give it TIME.” I looked at him skeptically and asked, “Are you sure?” He said, “Yes!” I asked with a light touch, “So I should just believe you as a doctor?” The nurse and another guy in the room burst out laughing and the Doctor said, “Believe me as a doctor.” Sure enough, not too long after that, the diaper rash was gone. Time had worked it’s magic.

When it comes to building generational wealth, time and chance happen to us all. Sometimes you may be looking at the little money you have to put away and wondering if your 500/- a month will ever amount to anything. But give it time, and the power of compound interest will soon surprise you. The race is not to the swift. It is not to those who seem like they are doing so much better than you, who already have the car and the dream house. They could all be on credit. One false move and they can be repossessed in the blink of an eye.

I have also found that as you are doing what you know you should, tracking expenses, paying off debt, saving money, chance or an opportunity to invest will appear when you least expect it. But because you have the money in your savings, you are able to quickly take advantage of it. One time I had been saving and I had some money, close to 200K sitting somewhere. My Mom told me about a group of people in Muranga that were buying land in bulk and subdividing to their members. 1 plot of 50 x 100 was going for 80k. The land was in a very prime location very close to Kajiado town.

Off we went to Muranga to check out these people and they were legit. We got the requirements and I purchased 2 plots each at Ksh. 80,000. Deal of a lifetime. The surveyor got in there, subdivided the land, and we all went in and balloted for our plots and the Title Deeds came out later. Chance or Opportunity had presented itself and because I had been doing what I know to do, I was able to take advantage of it. Today, if I were to sell my plots, I would be selling for about Ksh. 800,000 each. 10 times the original price.

Keep doing what you know to do. Time and Chance happen to us all.