27/09/2026
MBACIO. KEBATI. TWO MEN. TWO STORIES. ONE BRUTAL MONEY LESSON.
Patrick Mbacio is reported dead.
Bosco Kebati was buried recently.
Different men. Different lives. Different circumstances.
But put their stories next to each other and an uncomfortable financial conversation emerges:
WHAT HAPPENS WHEN THE PARTY OUTLIVES THE PAYCHEQUE?
Mbacio became an internet sensation partly through his highly publicised interactions with women. At one point, he claimed to have hosted more than 1,000 women.
Then the music changed.
His health deteriorated. He publicly spoke about diabetes and high blood pressure. In the weeks before his reported death, he appealed for financial assistance—including help buying medicine and food—and asked some of the women he said he had previously helped to return the favour.
Then there is Bosco Kebati.
His final chapter generated a painful public conversation about family, money, relationships, illness and legacy. Some claims surrounding his finances and family circumstances remain disputed and should be treated as such.
But forget the gossip for a moment.
THERE IS A FINANCIAL LESSON HERE FOR THE LIVING.
We love saying:
YOLO — YOU ONLY LIVE ONCE.
True.
But nobody talks about:
YOGO — YOU ONLY GROW OLD ONCE.
And if you are fortunate enough to grow old, the bill for some of your younger decisions eventually arrives.
YOLO without financial planning can eventually become:
YOYO — YOU'RE ON YOUR OWN.
The people partying with you are not necessarily your retirement plan.
The people enjoying your generosity are not your emergency fund.
Popularity is not medical insurance.
A big salary is not wealth.
Children are not pension schemes.
And attention is definitely not an investment portfolio.
MONEY HAS SEASONS.
There is a season when everybody calls you.
You are paying bills.
Buying drinks.
Helping relatives.
Entertaining friends.
Financing relationships.
You feel important because everybody needs you.
Then winter comes.
Employment ends.
Business slows.
Retirement arrives.
Health changes.
The phone becomes quieter.
Suddenly the question changes from:
“WHO NEEDS MY MONEY?”
to:
“WHO CAN HELP ME?”
That transition can be brutal.
This is why you should never spend your productive years financing only your present lifestyle.
Enjoy your money—but invest some.
Travel—but build assets.
Help people—but build an emergency fund.
Enjoy relationships—but protect your retirement.
Buy nice things—but buy income-producing assets too.
And while your body can still produce income, build investments capable of producing income when your body cannot.
Because KSh1 million spent on lifestyle eventually becomes memories.
KSh1 million invested wisely has the potential to become income, capital and financial security.
Neither Mbacio nor Kebati should become an excuse to mock people who can no longer defend themselves.
Their stories should become mirrors for those of us who are still alive.
Somebody reading this is currently spending retirement money trying to look successful.
Someone is financing everybody except their future self.
Someone believes a high salary will last forever.
Someone thinks being surrounded by people means having a support system.
And somebody is shouting:
“YOLO!” Correct. You only live once.
THAT IS EXACTLY WHY YOU CANNOT AFFORD TO LIVE AS IF TOMORROW HAS BEEN CANCELLED.
Enjoy today.
But quietly finance tomorrow.
Because one of life's most painful financial outcomes is spending your strongest years financing people and experiences that cannot finance your weakest years.
DON'T JUST PREPARE TO DIE WITH MEMORIES.
PREPARE TO GROW OLD WITH MONEY.
