Keith Murray – Owner, Murray’s Fish and Jerk Hut

20+ years NCBJ customer

Keith Murray is a purpose-driven businessman and loyal National Commercial Bank Jamaica Limited (NCBJ) customer for over two decades, but more importantly, he is a devoted husband, proud father and grandfather.

Children

Gabrielle Murray, age 14

Domonic Murray, age 16

Keith Murray Jr (KC), age 23

Melissa Murray, age 25

Tiffany Murray, age 27

Brittny Newman, age 29

Jessica Henry, age 30

Have you raised your children to chart their own course or to extend your legacy?

I’ve raised them to chart their own course. We’re all different, and I think that as they become adults, their mindset and their ambitions might be different from mine. As much as I’d love for them to continue what I’m doing, and we may all look at it as a great opportunity for them, it might be something that they don’t enjoy.

I strongly believe that whatever we’re doing in life, we should enjoy doing it. So, you know, if one of them wanted to become a musician because that’s what they love, I would want them to follow their passion.

How important is generational wealth?

It’s very important. A lot of people try to create generational wealth because they want their kids to have the funds to create their own legacy, free from any financial burden. I think that having sufficient financial resources makes it a lot easier for future generations to do good. That’s why we’re here on this earth – to do good.

How has your childhood impacted your approach to fatherhood?

The support I got from my parents was significant. They instilled important values and morals that I try to impart onto my kids, like honesty, integrity and humility. The biggest asset you can have is your name, so you want to make sure those values shine through.

When, how and where did you learn your money management skills?

I was self-taught, but a lot of it came from my mom. She didn’t necessarily teach me, but I observed and listened to her lessons. Growing up, we were constantly reminded that we can’t live like the Joneses. The first time I remember her saying that I was confused, because I had a friend whose surname was Jones so I used to wonder why we can’t live like him! Eventually, I realised that she was teaching us about humility and how to manage your money properly; you can’t just blow your money.

How important is it to teach your family about managing money?

It’s one of the most important lessons, and it’s not taught in schools. I think it’s our duty as parents to impart that knowledge and stress how important it is to manage your money. Because, I mean, financial stress is real for most people at some point.

What’s the most impactful financial lesson(s) you’ve ever had?

To not spend more than I earn, which I’ve achieved because I don’t spend more than I earn. Also, to let money work for you, through savings and investments.

What has been your worst financial experience?

Losing all my money in a Ponzi scheme.

What was the teachable moment?

If it looks too good to be true, it probably isn’t true.

Who’s your money hero?

Michael Lee-Chin from a financial standpoint and Jukie Chin from a business and mentorship standpoint.

I’ve listened to and read Michael Lee-Chin’s stories several times, and to see where he’s coming from to where he’s at now, and what he has achieved, and the person he is, I think he’s just remarkable. He’s somebody who I really admire.

Jukie Chin, the founder of Juici Patties, is my mentor, so I’m very close to him and I get a lot of advice from him, especially where business is concerned, and life in general. But just his humility, kindness, generosity, the way he does things, he’s a really amazing human being.

What’s your best family pastime?

Sunday dinner! My mother made sure we all ate at the same time. With seven kids, that doesn’t always get to happen with my own family, but when it does, it’s the best.

What’s your best Father’s Day moment/experience?

I don’t have one in particular, but having all seven kids and my grandkids with me on that day in the same space makes my day.

What’s your legacy goal?

To continue the business we have created as a family and expand on it. To provide authentic Jamaican food in the right setting with the right customer service. To achieve the goal of having one of the best restaurants in the Caribbean. To continue to employ people and positively impact families and communities.