Maria

Finance. Economics. Business. Human behaviour.
MBA Finance & Investment | Accounting

[Maria @CnMilly]

What is financial freedom?
Financial freedom is defined as a state where a person has stable cash flow from multiple income sources or sufficient assets to pay for daily life without having to sell their labour or depend on others.

[Maria @CnMilly]

@jeoboydi @ruffydfire This is so accurate. Something needs to be done about it urgently else we'll be left far behind

[shobhanai @HeyShobhan]

A billionaire literally explained how the entire economy works in 42 minutes better than most $200,000 MBA programs ever could.

[Maria @CnMilly]

SAVE. INVEST. BUT DON'T FORGET TO LIVE.

There is nothing wrong with saving money.

There is nothing wrong with investing.

But if every naira you earn is reserved for a future you haven't reached yet, you may eventually ask yourself:

“When exactly was I supposed to enjoy the life I was working so hard to build?”

The answer isn't to spend everything.

It's to find your balance.

Build your emergency fund.
Invest for the future.
Pay your important bills.
Take care of your responsibilities.

And then allow yourself to enjoy some of what you worked for.

Money is a tool. Use it to build tomorrow without completely neglecting today.

How do you personally balance saving, investing and enjoying your money?

#WhyWeSpend #pulsefordcontentmarketing

[Maria @CnMilly]

💡 Money becomes easier to manage when you start paying attention to where it goes.

[Maria @CnMilly]

@osemagnum Na site oo. Make person go take fresh air. If you know you know 😉

[Maria @CnMilly]

Sometimes, you don't lose money because you spent it.

You lose it because you trusted too quickly.

A friend or relative comes to you:

“Give me ₦100,000. I have a profitable business. In two weeks, I'll give you your ₦100,000 back plus ₦20,000.”

Sounds good, right? 😏

And because it's someone you know, you may not ask the important questions;

What exactly is the business?
How experienced are they?
How does the business make that profit?
What happens if things go wrong?

You simply give the money.

Then two weeks become one month.
One month becomes three.
Suddenly, it's:

Don't worry, I'm sorting it out.
The market changed.
I'll pay you soon. 😂

Eventually, your money disappears, and sometimes the relationship disappears with it.

The lesson isn't “never do business with friends or family.”
It's this:

Never let emotion replace due diligence.
Greed can make a good return look too good to question.

Trust can make us skip the questions we would ask a stranger.

Before you put your money into someone else's business, investigate first.
Because losing money hurts.

Losing money and a relationship at the same time?
That's an expensive lesson.

Have you ever seen this happen? 👇

#pulsefordcontentmarketing

[Maria @CnMilly]

When your kid smashes the third TV, do you beat him or buy another one? Nigerian comedian Bovi's answer might surprise you.

#pulsefordcontentmarketing

[Maria @CnMilly]

How vulnerable is the world’s financial system to a major cyberattack?

A prediction circulating online argues that a future “9/11-scale” attack could target US financial infrastructure, potentially disrupting access to bank accounts and digital payments.
It sounds extreme—but it raises a serious question:

What if you wake up one day and all the money in your bank account has vanished?

And if something like this happened in the US, the effects wouldn’t necessarily stop at America’s borders.

In an interconnected global economy, a major disruption to banking and payment infrastructure could ripple through international trade, financial markets, businesses—and potentially countries like Nigeria.

The prediction may or may not come true. The vulnerability, however, is worth thinking about.
Our money is becoming increasingly digital.

So what happens when the systems that give us access to that money stop working?

#Finance #Cybersecurity #Nigeria #Fintech #FinancialStability #DigitalEconomy

#pulsefordcontentmarketing

[Maria @CnMilly]

Petrol is now above ₦1,400 per litre in Nigeria. In some places, it's around ₦1,500.

And I keep asking myself
Should Nigerians really have to bear this much?

Yes, I understand that this is partly a global problem.

Oil prices are being affected by the conflict in the Middle East and disruptions to global energy supply.

But then I ask another question
What is the advantage of being an oil-producing country if Nigerians are still exposed to global oil shocks almost like countries that produce little or no crude oil?

In 2023, the petrol subsidy was removed.

We were told the resources previously spent on subsidy would be redirected toward things that would improve the economy and people's lives.

But today, many Nigerians are still asking

Where is the relief?
Transport is expensive.
Food is expensive.
Businesses are struggling with energy costs.
Household purchasing power is under pressure.

I'm not saying Nigeria should simply bring back the old subsidy system without addressing its problems.

I'm asking a bigger question

If Nigerians are being asked to bear the cost of reform, where is the visible benefit of that reform?

Because removing a subsidy is not the end of an economic reform.
What replaces it matters.

If the people must absorb higher energy costs, they should also be able to see the infrastructure, transportation, energy alternatives, jobs, productivity and economic opportunities that make the sacrifice worthwhile.

That's the conversation we need to have.

We have the crude.
We have the population.
We have the resources.

So why does an international oil shock have to hit the Nigerian household this hard?
#pulsefordcontentmarketing

[Maria @CnMilly]

An IPO isn't automatically a good investment just because the company is famous.

And it's not a bad investment simply because people are criticizing it.

Know what you own before you decide what it's worth.

That's financial literacy.

#pulsefordcontentmarketing

[Maria @CnMilly]

I don't agree with VDM on this one.

Calling the Dangote Refinery IPO a “Ponzi scheme” doesn't make sense to me.

A Ponzi scheme depends on money from new participants being used to pay earlier participants, rather than investors owning a genuine underlying asset.

An IPO is fundamentally different.

In this case, investors are being offered shares in an actual operating company that owns and operates a real refinery.

You're not simply paying money into a scheme.

You're buying an ownership interest in a business.

That doesn't mean the investment is risk-free.

The share price can fall. The valuation can be questioned. Investors can lose money.

But risk ≠ Ponzi scheme.

We can debate whether ₦525 is a good price.

We can debate the refinery's valuation.

We can debate whether the IPO is suitable for an individual investor.

Let's debate the investment on its actual merits, not label it a Ponzi simply because it's attracting massive public interest.

What do you think?

#pulsefordcontentmarketing

[Maria @CnMilly]

What if your biggest financial problem isn't your income?
Sometimes, it's the way you respond to money.
You earn more → you spend more.
You feel stressed → you spend.
Someone succeeds → you compare.
You see an opportunity → you rush in.
You feel behind → you try to catch up.
The important question isn't only:
“How much money do I have?”
It's also:
“Who am I when I have money, lose money, or see someone with more than me?”
Self-awareness can change the way we make financial decisions.
Know yourself. Understand money. Build intentionally.
#pulsefordcontentmarketing

[Maria @CnMilly]

@osemagnum Kwasan

[Maria @CnMilly]

@kepukepunews What's more heartbreaking 💔 rest in peace sir

[𝓛𝓸𝓻𝓭 𝓓𝓻𝓮𝔂 👑 @lorddrey]

Other tokens to consider:

1. Cro

2. Aster

3. GRAM

4. Sui

[Sunusi Danjuma Ali @SunusiMinjibir]

Who owns this wallet? 👇🏽

mP4tnNkwAtRLpSZG5CqcH3CVPJHgVw7XH3j6YRyayQP

I’ve noticed something unusual.

For almost every token launched on https://t.co/rpqcchwj3K that eventually graduates, this wallet appears among the top holders.

What’s even more surprising is that it never seems to buy the token, yet it keeps selling.

Take solana:2vvw3cSwibzGD6SgW9QzRaBdmjkYrvs218DUy6VWpump as an example. This wallet never bought $SUNUSI, but it has been selling it since day one. The same pattern appears across many other graduated https://t.co/rpqcchwj3K tokens.

This behavior can create unnecessary confusion and suspicion around a project’s team and community, especially for people who don’t understand what’s happening on-chain.

I remember discussing this exact wallet during my meeting with @Cryptoceleb1 and @adaora_crypto.

I believe @solana, @a1lon9, and @Pumpfun could help provide some clarity on:

Who owns this wallet?
Why does it receive tokens without buying them?
Why does it consistently appear as a seller across so many graduated tokens?

Greater transparency would benefit the entire ecosystem.

[Maria @CnMilly]

@NigeriaStories Shame on you

[Iking Ferry @ikingferry]

My brother, let me explain this thing in a way that even Mama Ngozi that sells Tomatoes in the Village will hear it and nod her head.

First of all…
CHN number (Clearing House Number) is like your NIN for the Nigerian Stock Market.

Every investor is supposed to have only ONE CHN, no matter how many stockbrokers or investment apps you open.

So normally, if you open Bamboo, Trove, Chaka, Afrinvest, InvestNaija, etc…

All of them are supposed to pull the same CHN for you, because CHN belongs to YOU… not to the broker.

But let me tell you the small “real-life wahala” behind the scenes, so you understand what is happening with your InvestNaija.

Some years ago, a friend of mine, let’s call him Mr. Daniel, opened Four stock accounts with different brokers.

The first three brokers pulled the same CHN.
But the last broker generated a new CHN for him.

Why?
Because instead of checking the CSCS database to see if Daniel already had an existing CHN, the broker simply registered a fresh one.

Now guess what happened later?

When Daniel bought stocks from broker A, he couldn't see it on broker C.

When he sold something on broker B, it didn’t reflect on broker C.
Everything was scattered.

It was like having two different bank BVNs for the same person.
Total confusion.

BACK TO YOU…

Let me tell you the truth:
No matter what any broker tells you, CSCS DOES NOT give you two CHN numbers as one person.

What happened is that InvestNaija registered a new CHN instead of syncing your old one.

It happens…
Not because they are bad,
But because the system in Nigeria is still half manual, half digital.
(Yes, it’s 2025… and we are still dragging modernization.)

SO WHAT SHOULD YOU DO?

Simple:

Tell InvestNaija you already have an existing CHN and you want them to MERGE your account to that CHN.

In fact, let me send you the exact words to send them.

Use this exact sentence:

“I already have an existing CHN with CSCS. I want my InvestNaija account mapped to my existing CHN instead of a new one.”

They will ask for:

Your old CHN
Your full name
Your BVN
Sometimes a means of ID
Possibly a CSCS statement from Bamboo or Afrinvest

Once they confirm it, they will merge everything to your original CHN, and all your stock holdings across apps will sit under one identity.

WHY IS THIS IMPORTANT?

Because having multiple CHNs:

Scatters your portfolio
Makes tracking dividends harder
Can delay corporate actions
Can cause double identity issues
Makes cross-broker transfers painful
Can create repurchase confusion when NSITF, UTC, FOI, etc start automation

Always protect your CHN like you protect your BVN.
Because that is the only proof that you truly own your investments on the Nigerian stock market.

And thank you for asking this question…
You just solved a problem for hundreds of beginners who don’t even know that CSCS, CHN, brokers and stock apps can confuse their destiny if they don’t ask questions.

We must decode this financial wahala in a way that even Grandma in the village will understand better than many people in the city

I am Iking Ferry,
Your Financial Literacy Advocate
Founder, Pulseford Business School
On a Mission to build 1million Financially FREE Nigerians