Let’s face this brutal fact;
Making money is one thing… keeping it flowing without you working for it is another.
That’s where your Wealth Engine from my 7-Step Wealth Masterplan comes in.
Its mission?
Replace your Active Income with Passive Income—so you can live on your terms, not your employer’s.
The Wealth Engine and Passive Income
Here’s how the wealth engine is structured to help you build lasting passive income:
Define Your “Freedom Paycheck”
Decide exactly how much you want to hit your account every month without lifting a finger.
Is it Ksh 150k for comfort? Ksh 500k for luxury? This number sets the size of the engine you’ll build.
Build Two Portfolios, Not One
Dignity Portfolio – Pays for essentials: food, rent, utilities, clothing. This is the fund that protects your dignity and that of your family, if things go wrong.
Lifestyle Portfolio – Covers education, healthcare, holidays, giving, and other lifestyle goals. This is what keeps you comfortable and helps you enjoy life.
Let Compounding Work for You
When creating these portfolios, invest your money where it will grow between 15–20%, and watch your wealth grow faster.
This is how you buy time and freedom.
Review Quarterly
Life changes. Markets shift.
Check if you’re still on track to hit your Freedom Paycheck. If not, adjust your allocations—never your goals.
Stagger Your Income Streams
Once you hit your goal, don’t depend on one payday.
Redistribute your funds from high-risk to low-risk opportunities to preserve your capital.
Spread your withdrawals and Fund distributions across the year so something lands monthly, without touching your capital.
For high-income earners, a Wealth Engine isn’t optional—it’s the bridge from working for money to having money work for you, every month.
