Lessons
Practical money lessons,
in plain language.
15 free lessons on saving, budgeting, and long-term wealth — no hype, no jargon, no schemes.
The Dangote refinery is finally going public
SEC approval landed on 4 September and the order book opens around the 14th. What you would actually be buying, what is impressive, what is worrying, and what to read in the prospectus.
How to read a return figure without being misled
Per month or per year? Before or after fees? Before or after inflation? The same investment can honestly be quoted four very different ways.
Why your first investment should be boring
Beginners are sold excitement because excitement sells. The unglamorous option is usually the one that survives contact with a real market.
Should you pay off debt or invest? Compare the two rates
The decision is arithmetic, not temperament. Clearing a 30% debt is a guaranteed 30% return — and nothing you can buy offers that with certainty.
Seven questions to ask before you hand over money
Legitimate opportunities survive questions. If asking one makes you unwelcome, you already have your answer.
Where to actually keep your emergency fund
Reachable in a day, stable in value, and boring enough that you will not be tempted. The trade-offs, plainly.
Budgeting when your income is different every month
Freelancers, traders, and commission earners cannot budget from a salary they do not have. Budget from a baseline instead.
What to do with a bonus, a gift, or a windfall
Sudden money disappears faster than earned money. A simple order of operations that keeps most of it.
Buying the same amount every month, regardless
You cannot time the market and neither can anyone selling you the idea that they can. What to do instead, and why it works.
What compound interest actually does to ₦10,000 a month
Compounding is growth on top of growth. Here is how a modest, consistent monthly saving behaves over 5, 10, and 20 years — and why the last years matter most.
Inflation is a tax on money that sits still
Your balance can rise every month while your money buys less every month. Why a current account is the most expensive place to keep savings.
Build the emergency fund before you invest a single naira
An emergency fund is not lost opportunity — it is the foundation that keeps one bad month from undoing years of progress. How much, where to keep it, and how to build it.
How to set a savings rate you can actually keep
The best savings rate is not the highest one — it is the one still running in month twelve. How to pick a number that survives a bad month.
How to spot a scheme before it takes your money
Guaranteed monthly returns, recruitment bonuses, pressure to act fast — the warning signs of Ponzi and pyramid schemes, and the questions that expose them.
The 50/30/20 budget, adapted for Nigerian salaries
Needs, wants, and future-you — the classic budgeting split, adjusted for black tax, irregular income, and the realities of earning in naira.