Bahd Bwoii

Beenawf

Naija Boy 🇳🇬😋🥱

[Glorious God @GloriousGod01]

I’ll give you 10.

1. Buy a car before you build a house.

2. Start investing now. Even if it’s just ₦10,000 every single month. Give it 10 years and you’ll thank yourself.

3. Never spend money to please anybody. Spend only when it's needed. Know the difference between needs and wants.

4. Invest in your future, not in validation. Don’t buy the latest iPhone just so people can see you have money. A smartphone is a smartphone.

5. Live on 70% of your salary. The other 30% goes strictly into savings and investments. No excuses.

6. Stop womanizing. Find one good woman and stay loyal. Womanizing costs far more than you think.

7. Never engage in fraud. You’ll only destroy your future. Dirty money will cost you your peace and your health.

8. If you earn ₦100k a month, your rent should never exceed ₦100–150k. You shouldn’t have to save for months just to pay rent. One month’s salary (or one and a half at most) should cover it.

9. Invest in mutual funds.

10. Invest in good books. Read financial books. Here are 10 I recommend:
- The Richest Man in Babylon - George S. Clason

- Rich Dad Poor Dad - Robert Kiyosaki

- The Psychology of Money – Morgan Housel

- I Will Teach You To Be Rich – Ramit Sethi

- The Millionaire Next Door – Thomas J. Stanley

- Think and Grow Rich – Napoleon Hill

- Your Money or Your Life – Vicki Robin

- The Intelligent Investor – Benjamin Graham

- Atomic Habits – James Clear (money is built on habits)

- A Random Walk Down Wall Street by Burton Malkiel

Above all, love God.

[Daddy D.O🇳🇬 @DOlusegun]

Nigeria is boosting agricultural productivity through the Federal Government's partnership with the International Fund for Agricultural Development (IFAD), which has provided improved farm inputs and 22 tricycles to 1,918 farmers in Nasarawa State under the Value Chain Development Programme (VCDP).

The intervention is designed to strengthen rice and cassava production during the 2026 wet farming season by providing certified rice seeds, improved cassava stems, fertilizers, herbicides, and other essential inputs. The programme will support the cultivation of 195 hectares of rice and 140 hectares of cassava while improving market access and increasing farmers' incomes across selected local government areas, including Lafia, Doma, Wamba, Karu, and Nasarawa.

[Ajoje⚽⚖️ @israel_ajoje]

My thoughts on the NPFL and the licensing requirements.

Earlier this year, I was invited to speak at the African Football Convention in Morocco, and during one of the sessions the conversation turned, as it always does, to regulating football finance in Africa. Someone asked me what new regulations we needed to bring order to the domestic game.

My response was simple: we do not need new laws. We need to ensure that the laws that exist are actually followed. Laws are not shiny toys or spoils of war that you display to tourists.

The purpose of a regulation is seen when it is live, when it is enforced, and when it is used as a means to an end, whether that end is justice or order. A law that exists only on paper is decoration, and African football has had enough decoration.

Let's bring this back home.

I am in support of rigorous club licensing in the NPFL. A system that tolerates failure guarantees it, and we have been tolerating failure for long enough that it has started to feel like the standard. Hon. Bukola Olopade's position on limiting the 2026/27 season to only compliant clubs is the right instinct.

But the conversation cannot start and stop at the ₦2 million minimum monthly salary and other requirements without first examining whether the environment has been made genuinely conducive for clubs to meet that standard.

Let me give you a concrete example of how far we are from even enforcing what already exists. When I went through the NLO framework, I found that players in the Nationwide League One are supposed to have insurance coverage covering mild injuries, career-threatening injuries, and death. The life insurance cover mandated for players in the NLO is ₦1 million. One million naira.

That is the value Nigerian football has placed on the life of a player at that level. And the more revealing part is not even the amount. It is the fact that the majority of clubs do not carry out this insurance policy at all and are still allowed to participate in the NLO season after season without consequence. That is the enforcement problem in its most human form. That's where I think we should start.

The NFF Club Licensing Regulations, adopted in 2014 in line with FIFA and CAF directives, already cover six key areas: sporting criteria, infrastructure, personnel and administration, legal, financial, and business and commercial requirements.

Clubs are supposed to have written player contracts, qualified medical and technical staff, approved home grounds, CAC registration, and proof of financial sustainability before they are granted a license to compete. These standards exist. The framework is there.

What has been consistently absent is the will to apply it without fear or favour, which is exactly what Ibrahim Gusau directed the new NPFL board to do when he addressed the NFF Executive Committee in Asaba recently. Clubs treat these regulations as mere suggestions rather than rules that they MUST follow.

However, there has to be a balance.

Enforcement alone, without first creating the conditions for compliance, is punitive rather than developmental. And here is the mathematics that Hon. Olopade's office needs to sit with before the ₦2 million minimum salary becomes a hard requirement.

According to some NPFL Adminsitrators that I have spoken to, running an NPFL club currently costs approximately ₦500 million per year, and that is on salaries that range an average of ₦300,000 to ₦800,000 per player. If the minimum salary is raised to ₦2 million per month across a squad of 25 players, clubs are now looking at ₦50 million per month in player wages alone, which is ₦600 million per year before a single operational cost is accounted for.

By the time you calculate electricity, transport, medical staff, stadium maintenance and administration, the actual running cost will soar comfortably above ₦1 billion per year per club once you include wages at the new minimum.

If we take a look at "saner climes", we would see that clubs across Europe operate on a squad cost ratio of approximately 60 to 70 percent of total annual revenue. That is the UEFA benchmark, and it is the model that keeps clubs financially sustainable.

At ₦600 million in player wages alone, the recommendation is that clubs should be generating at least ₦1 billion in annual revenue. In England, France, and Germany, that revenue comes from matchday income, broadcast rights, sponsorship, merchandise, and commercial activity driven by fans who have enough disposable income to spend on football.

In Europe, citizens spend between 9 and 16 percent of their income on discretionary items, which includes tickets, jerseys, fan merchandise, and subscriptions. In Nigeria, that discretionary spending capacity exists for approximately 1 to 3 percent of the population.

The commercial ecosystem that funds European clubs simply does not exist at the same scale in Nigeria yet, and raising salary minimums without first building that commercial base puts the financial burden entirely on club proprietors, most of whom are already subsidising Nigerian football from their personal resources with minimal to no return.

What Hon Olopade needs to put in place before the salary demand becomes enforceable is a commercialisation strategy that actually generates revenue for clubs. The ₦2.5 billion prize pool announced for the 2026/27 season is a meaningful step. The ₦2 billion broadcast and data deal signed in 2025 is another. But broadcast revenue needs to be distributed in a way that reaches all clubs, not just the title challengers.

Sponsorship frameworks need to be created at league level and not left entirely to individual clubs to negotiate. Matchday infrastructure needs investment so that attending an NPFL game becomes a genuine commercial proposition for fans and not an act of loyalty to a broken experience.

The licensing framework is not wrong. The salary ambition is not wrong. What would be wrong is demanding compliance from clubs in an environment that has not yet been built to support it, and then calling it reform.

My name is Ajoje and I am a FIFA Licensed Agent and International Sports Lawyer. I talk about the Law and Business of Football, a lot. Repost and Follow me if you want to read more posts like this.

[Daddy D.O🇳🇬 @DOlusegun]

Nigeria has unveiled the Nigeria Genomic City Project, a landmark initiative aimed at positioning the country as Africa's leading hub for genomics, biotechnology, and scientific innovation.

Key highlights include:

- The University of Abuja has been designated as the host of the Nigeria Genomic City, creating a national centre for cutting-edge genomic research and biotechnology.

- The proposed National Research and Innovation Development Fund is expected to mobilise about $500 million annually to support research, innovation, and scientific development across Nigeria.

- The initiative is designed to strengthen healthcare, scientific research, biotechnology, and pharmaceutical development, while reducing reliance on imported medicines and overseas clinical trials.

- The project seeks to unlock Nigeria's genetic biodiversity as a strategic asset for medical breakthroughs and economic growth.

- The initiative has the potential to generate between $200 billion and $300 billion within five years.

- It is projected to create over 640,000 direct jobs and 2.5 million indirect jobs, making it a major driver of high-value employment and innovation-led economic growth.

- The project represents a strategic investment in knowledge, technology, and human capital, positioning Nigeria as a regional leader in genomic science and biotechnology.

[Aakash Gupta @aakashgupta]

The fastest aircraft ever built is 12 feet long, ran its engine for 10 seconds, and got dumped in the Pacific on purpose. That was November 2004. Nothing with a jet engine has come close in 22 years.

NASA's X-43A hit Mach 9.6, about 7,000 mph at 110,000 feet. Fast enough to cross the Atlantic in 26 minutes. The engine that did it, a scramjet, has zero moving parts. No fans, no turbines, no compressor blades. The aircraft's own speed rams air into the engine hard enough to compress it.

Zero moving parts comes with a tradeoff. A scramjet can't start itself. Below roughly Mach 4 it's a metal tube. So NASA bolted the X-43 to a Pegasus rocket, hung the stack under a B-52's wing, and used the rocket to throw it fast enough for its own engine to wake up.

Then the hard part. Inside the combustor, air is still moving faster than sound. Hydrogen fuel gets about a millisecond to inject, mix, and ignite before it's blown out the back. NASA's engineers compared it to lighting a match in a hurricane and keeping it lit.

The whole Hyper-X program cost $230 million and bought roughly 20 seconds of scramjet flight across its two successful tests. About $11 million per second. Every vehicle was expendable. Fly once, glide five minutes, sink.

Those 20 seconds answered a question that had been open since the 1960s, whether an air-breathing engine could produce net thrust at hypersonic speed. Wind tunnels said probably. The X-43 said yes.

A 10-second burn has now held the record longer than most aircraft stay in service.

[KALYJAY @gyaigyimii]

You don’t need to win the World Cup to be the best player. Good evening

[Omolomo @Omolomo_o]

The energy Ronaldo lovers have this World Cup is the most surprising.

He has true love for real, what a relentless fanbase.

[Ajoje⚽⚖️ @israel_ajoje]

This Eric Chelle has very mad work rate

I’ve been to like three scouting tournaments in the last 3 months. He was at all of them.

I also went to watch a training session of the Under 17 National team. He was there too.

My friends have seen him at some other football events that I didn’t attend as well.

There was also the time he went to watch some of the NPFL teams.

Only God knows how much work he even does behind the scenes with data and all.

I love the guy so much and I hope he succeeds.

[Chukwuemeka 🇳🇬 @ChuxEkere]

@QualityQuadry Very good. He shouldn't forget eligible players across the world, especially in Europe.

[MR OLAWALE QUADRI 🇳🇬 @QualityQuadry]

Eric Chelle has been doing some groundwork since he was appointed as the Nigerian 🇳🇬 U23 coach.

One or two top coaches from the NPFL will be joining Chelle as assistant coaches.

Sources from NFF have revealed that Chelle is planning to set up a scouting department to identify eligible players from Nigerian Leagues.

[Dr. Toks 🦇 @fimiletoks]

12 midnight, July 18th, 2026. I left truck central in VI and decided to drive on the coastal road for fun till I got to Sangotedo. 14 minutes drive. I hope one day I can leave Victoria Island Lagos at 5pm and get to Calabar by 12 midnight.

If you can show me any road in Nigeria, with this quality, marked, with street lights at 12 midnight along the entire stretch since 1914 before or after amalgamation of Nigeria, I will throw my phone inside the Atlantic Ocean and campaig against President Bola Ahmed Tinubu.

[Cowrywise @cowrywise]

Jimmy, one thing you said really stayed with me: "From outside I look successful. Inside I'm one emergency away from collapse."

I think thousands of Nigerians feel the same way. They're not bad with money. They're supporting parents, siblings, extended family, which isn't bad in itself, until it starts eating away at the quality of their life and their future.

That's exactly why we wrote our upcoming report on Black Tax. Because for many Nigerians, the biggest bill isn't rent. It's family. And if we don't plan for it, it can limit how far we can go.

[Cowrywise @cowrywise]

3. Focus on increasing your income.

This budget doesn't tell me you're careless. It tells me your responsibilities have outgrown your income.

There's only so much optimisation can do. At some point, the answer is earning more.

[Cowrywise @cowrywise]

Here's what your revised income split looks like:

-Rent: 21% (₦80,000)
-Utilities: 12% (₦45,000) (try bringing this down to 8%. This will bring your investment go up to 11%)
-Transport: 9% (₦35,000)
-Feeding: 18% (₦70,000)
-Family support: 13% (₦50,000)
-Emergency fund: 10% (₦39,000)
-Investments: 7% (₦27,300) (Increase this toward 15–20% as your income grows and your expenses become more efficient.)
-You: 10% (₦39,000) You work hard. You should get yourself a little something every month.

A quick note: This isn't a perfect budget. It's what I believe is realistic for you right now.

Personal finance isn't about forcing everyone into the same percentages. It's about making the best decisions possible with the income and responsibilities you have today.

As your income increases and your expenses become more efficient, gradually move your investments towards 15–20% and bring family support closer to 10%.

[Cowrywise @cowrywise]

2. Once you've created breathing room, protect present and future Jimmy.

That extra ₦40,000–₦50,000 you freed up shouldn't disappear into more spending. Split it.

First: Build an emergency fund (10% of your income = ₦39,000).

An emergency fund is money that stops life from happening to you. It's used when the unexpected happens e.g accidents, urgent repairs sickness etc. Without an emergency fund, these moments force you into debt. With one, they're inconveniences, not financial disasters.

Second: Start investing (aim for 15–20% over time).

Emergency savings protect today's life, investments build tomorrow's.
They also put you in a position where, years from now, helping your family doesn't have to come entirely from your monthly salary. Your money can begin helping you help them.

Right now, you may only be able to invest ₦20,000-₦30,000.
That's okay. The important thing is that you start.

[Cowrywise @cowrywise]

Rework the family support first. This is the most urgent step.

I'm not saying "don't help." But if ₦100,000 every month means you're borrowing before month-end, the arrangement isn't sustainable.

Have an honest conversation with your family about reducing the support to ₦50,000–₦60,000. If you have siblings, check whether they can contribute. Ask your father if some requests can wait. If all else fails, consider just sending a fixed ₦50,000 every month.

This creates breathing room without abandoning your responsibility. Sometimes people don't know you're struggling because, from their perspective, you've never said so.

Speaking up could free up ₦40,000–₦50,000 that you can redirect (we'll cover that below).

The goal: make sure helping your family doesn't sink you.

[Cowrywise @cowrywise]

From this breakdown, 86% of your income is already committed. And that's before airtime, healthcare, clothes, emergencies, or anything unexpected.

No wonder you said you're one emergency away from collapse. The biggest thing that stands out is the ₦100,000 you send home every month. That's 26% of your take-home, which puts you in the "heavy family responsibility" bracket (25%–40% of income). Above 40% is classified as financially stressful.

I know this isn't just a financial decision. It's family, so I'm not going to tell you to stop.

But I will say this: at your current income, it is putting your own financial stability at risk.

Here's what I would do immediately.

[Cowrywise @cowrywise]

Take-home pay: ₦390,000

- Rent: ₦80,000 (21%). The recommended range is 25%–30% of income, so this is good.

- Electricity & diesel: ₦45,000 (12%). The recommended range is 7%–8% for utilities, so this is worth looking into.

- Transport: ₦35,000 (9%). The recommended range is 16%–20%, so this is good.

- Feeding: ₦70,000 (18%). The recommended range is 19%–20%, so you're in a good place.

- Family support: ₦100,000 (26%). The recommended is 10%, with 25% being the max. At your income level, it'll be wise to bring this closer to 10%.

*These recommendations are based on our Adulting in Lagos report and our upcoming Black Tax report.

[Cowrywise @cowrywise]

Jimmy, here's exactly what I'd do if I earned your salary.

First, I want to say this: you're not irresponsible. You're just carrying more people than your salary should carry.

Let's look at the numbers.🧵

[Sir DCT @sir_dct]

A salary that cannot sustain you while you’re still alive is not wealth. It’s just well-dressed survival.

Here’s what needs to change:

• Your family must be told the truth about what you can actually sustain.
• An emergency fund must become non-negotiable, even if it means reducing what you send home for a while.
• You cannot keep being the backup plan for everyone while having no backup plan for yourself.
You are not selfish for protecting your peace and future. You are responsible. Because if you collapse, everyone who depends on you will collapse with you.
Start choosing sustainability over performance.