20 apps that you should have on your phone and why you need them.
Go to Google Play Store or the App Store and download any you do not already have:
1. Cowrywise: for investing in mutual funds and Treasury Bills. Very easy to use and you can start with as little as 100 naira.
2. Risevest: for investing in dollar assets. Protects your money from naira devaluation and pays returns in dollars.
3. Kaggle: for learning data analysis and machine learning for free using real datasets.
4. Grey: for opening a dollar account from your phone in minutes. Comes with a virtual Visa card that works internationally.
5. Chipper Cash: for sending money across Africa and paying for international subscriptions with a virtual dollar card.
6. Microsoft Excel: for organizing data, building budgets, and tracking finances. One of the most in-demand professional skills in the world.
7. Google Authenticator: for two-factor authentication. Protects your accounts from hackers. Non-negotiable in 2026.
8. PiggyVest: for saving and locking funds. Helps you build financial discipline and earn returns on your savings.
9. Notion: for organizing your goals, tasks, notes, and plans in one place. Free and very powerful.
10. Canva: for designing graphics, flyers, social media posts, and presentations from your phone. Free to use.
11. ChatGPT: for research, writing, problem-solving, and learning. One of the most useful AI tools available right now.
12. Grammarly: for checking your grammar and improving your writing in real time. Free and works across all apps.
13. Google Drive: for storing and accessing your documents from anywhere. 15GB free storage.
14. Duolingo: for learning a new language for free. Consistent daily practice on this app can get you conversational in 6 to 12 months.
15. Bitwarden: for storing and managing your passwords securely. Free and far safer than using the same password everywhere.
16. Coursera: for auditing university-level courses from Google, Stanford, and Yale for free.
17. LinkedIn: for building your professional profile, networking, and applying for remote jobs.
18. Google Maps: for navigation, finding businesses, and exploring new areas. Works offline too.
19. Proton VPN: for protecting your internet connection and privacy especially on public Wi-Fi. Free plan available.
20. TryHackMe: for learning cybersecurity from scratch through fun, hands-on challenges. Free to start.
Your phone is one of the most powerful tools you own. Start using it like it is.
Above all, love God.