Home Career Growth Livelife Career Pivot Catalyst: Model Your Financial J-Curve & Transition

Livelife Career Pivot Catalyst: Model Your Financial J-Curve & Transition

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Livelife Pivot Catalyst: Assess, Compare, & Model

1. Pivot Clarity Assessment

Determine your risk exposure and clarity. This guides you to the most effective next step for your Livelife journey.

Do you have **6-12 months of living expenses** secured in liquid savings (excluding emergency/health funds)?

Do you have **2-3 specific, researched new career paths** you are actively vetting (not just vague ideas)?

2. Transferable Skill Scorecard

Objectively rank your potential career pivots. This weighted scorecard will reveal the option that best aligns with your goals and priorities.

Define Your Pivot Paths (2-4 required)

Weight Your Priorities & Rate Each Path

Assign a **Weight** (1=Low, 5=High) to your criteria, then **Rate** each Option (1=Poor, 10=Excellent).

CriteriaWeight (1-5)Path 1 Rating (1-10)Path 2 Rating (1-10)

3. J-Curve Impact Predictor

Visualize the financial impact of your pivot. The “J-Curve” shows the temporary drop and subsequent accelerated growth toward retirement.

👤 Baseline Profile (USD)

40
65
10

💡 Pivot Scenario

Time out of workforce (zero income)

6
15
*Assumes a constant **6.0%** annual return rate for both scenarios.
Stay: Final Wealth (USD)
$0
At retirement age
Pivot: Final Wealth (USD)
$0
At retirement age
The Pivot Effect (Net)
+$0
Projected Surplus/Deficit

The Livelife J-Curve: Wealth Over Time

Comparing your net worth trajectory in both scenarios.

🧠 Strategic Takeaways

Adjust your pivot parameters to visualize the outcome. Look for a positive “Pivot Effect” and a low “Break-Even Age.”

A Livelife.ke Planning Tool. All financial modeling is conducted in USD for consistency, based on your inputs. Consult a financial advisor for personalized advice.

© 2025 Livelife Pivot Catalyst

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Moses Mori
Moses Wafula MoriI am Moses Wafula Mori, and I started LiveLife.ke because I realized that specific, actionable, and local financial and career advice for Kenyans was hard to find. My goal is to use my professional background to provide you with truly authoritative insights.My Foundation: Education & CertificationI’ve built my expertise on a solid academic and professional foundation:I hold a Master of Business Administration (MBA) in Finance from the University of Nairobi.I also earned a Bachelor of Commerce (Finance option), graduating with a Second Class Upper Division, from Egerton University.I have completed CPA Part I.My Experience: Over 10 Years in Kenyan Finance & TechMy professional experience across banking, microfinance, and technology is what gives me the unique perspective to write for LiveLife.ke:Finance & InvestmentMy roles have provided hands-on experience in personal and corporate financial health:As a Relationship Officer at Family Bank Limited, I was responsible for selling life and general insurance, cross-selling various financial products, and ensuring comprehensive insurance coverage for all secured loans. I successfully onboarded 10 new corporate clients within my first six months.My time as an Accounts Assistant & Kiva Coordinator at Milango Financial Services gave me deep knowledge of financial systems like QuickBooks and the MBWIN Loan tracking system. I was also responsible for loan processing, disbursements, and, notably, fundraised 10 million in my first month as Kiva coordinator.Digital Skills & Career StrategyMy experience in IT sales provides crucial insight into the technology and digital career topics I cover:I worked as an Associate Business Manager at Tally Solutions and an Account Manager/IT Sales at Mitsumi Distribution, where I managed IT accounts and strategically drove sales of products like printers, computers, and servers. They are Asian owned firms and I learnt alot from them.Let's ConnectI am committed to transparency and value your trust. You can verify my professional background and connect with me here:LinkedIn Profile: www.linkedin.com/in/moses-wafula-b0765558Email: editor(@)) livelife.keLocation: Nairobi, Kenya