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The Importance of Financial Literacy and Good Character in the Management of Your Gift/Talent

Brian Kazungu



Brian Kazungu, 10/05/2023

Your gift/talent is divinely designed to help you to easily adapt, to make progress and to prosper in a given environment.

It is also meant to help you to solve other people’s problems especially for a reward (income) – value exchange.

The income that you get from utilizing your gift can be used to pay for products and services that you cannot create for yourself because of various reasons, including lack of ability and time.

Hence, when your gift is developed, it is important that you know how to price it and then look for environments and people whose inadequacies may be solved by such giftedness that you possess.

There is always a person and a place which requires what God has put upon you and thus, you need to know how to identify such people and how to engage them.

In managing and determining the pricing of products and services that are based on your gifting or talented-ness, you need to understand that people are generally paid for the following: Energy, Time, Knowledge and Resources.

When you are paid for what you do, it is either you are paid for the input of one of these attributes or for a combination of two or more, if not for all.

Basically, you are paid for the energy that you use to do something, which is generally called labor. You are also paid for the time that you spend on doing something.

More so, you are paid for the sum total of resources that you utilize in accomplishing something in the same way that you are also paid for the knowledge or skill that you have in a particular issue.

Let us break down and explain these four factors so that you can see how they relate to the issue of gift management and development.


  1. Physical – muscle, stamina

Sources of the above mentioned are food, training and supplements etc.

  • Spiritual – faith, hope, confidence, courage.

Sources of the above mentioned are religion, education, culture, tradition and relationships etc.

Time: Hours, Minutes and Seconds

  1. Within the given time, we either take advantage of opportunities or defend/guard against threats.
  • If we don’t utilize the seconds, minutes and hours that we all get equally here on earth in every given day, we are bound to lose out on opportunities and succumb to threats.
  • Taking advantage of opportunities frees us the time for leisure and socialization while succumbing to threats or danger keeps us busy.


  1. Natural – acquired, inherited or given natural resources such as land and everything thereunto, the seas or water sources and everything thereunto as well as the air and everything thereunto.
  • Man-made – everything that belongs to you which is a product of utilizing and exploiting nature that can be used in the response to opportunities and threats.

Knowledge (Wisdom/Intellect whether natural or acquired)

  1. Natural knowledge entails that your understanding or knowhow on and about something is directly gifted to you by God.

The insights, perceptions and revelations that you have on a given subject or issue is not subject to the traditional educational mechanisms or handed down to you either generationally or through other forms of relationships.

  • Acquired knowledge entails that you are subject to a form of observably organized mechanism of information or knowledge transfer.

Regardless of whether knowledge is natural or acquired, it is important to understand that it is used for decision making and thus the subsequent decisions that we make in life are used for taking an appropriate action.

As such, when you make wrong decisions about the worthy and impact of your gift, it means, you will act wrongly thus potentially subjecting yourself to negative reality or ending.

In this case, you may even succumb to failure, poverty or disappointment.

If and when there is no industry standard or guide for pricing the fruits of your gift, you must try and evaluate the cost element of the input of energy, time, knowledge and resources plus other related expenses and then add a reasonable mark-up.

You must however understand that, managing your gift requires you to work on your character. It’s not only about using your gift to offer a service in exchange of money and other benefits – you must also make sure that you are well-behaved.

It is important that you fully develop your character to such an extent that people would love to engage you in the pursuit of their dreams or in their fight against challenges which they face from time to time.

When people engage you for what you are best at doing, they don’t only engage your specific gift, but they also engage you as a total person and as such, you must be sociable and forthcoming in the process of engagement.

N.B – Do not forget to work on your attitude and on your people skills.

You must also strive to learn even the basic principles of financial management and investment since, at the end, after utilizing your gift, you get a reward in the form of and this money must be used wisely.

This is because of the fact that, the payment or revenue that you get from your clients is what you also use to pay other people in the exercise of their gifting in your life towards the satisfaction of your own needs and wants.

If you are not a forthcoming person, especially when people have options, they may choose to engage someone else. They may also choose get an alternate solution especially if that other option maintains and respects their dignity and sanity.

When people bypass you in meeting their needs and wants because you do not interact well with them in the display and application of your gift, you are bound to lose financially, and thus, you will also fail to meet your own needs and wants as well.

As such, in managing your gift, you must be able to understand that you have many stakeholders including clients and other people who also have the gift, capacity and ability to make your gift to flourish and to make your dreams come true.

Adapted from the book Managing your Gift written by Brian Kazungu

Book Link: https://amzn.to/331q8Th

Author Profile: https://www.amazon.com/author/briankazungu

Brian Kazungu is an Author, Poet, Journalist, and Technology Enthusiast. Websites: https://www.briankazungu.com https://muckrack.com/brian-kazungu https://www.amazon.com/author/briankazungu https://www.modernghana.com/author/BrianKazungu Email: [email protected] Social Media - Twitter (X) - @BKazungu - Linkedin - www.linkedin.com/in/briankazungu

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