CryptoMattwins 📈📉

[CryptoMattwins 📈📉 @CryptoMattwins]

Hardwork, Luck and Patience is all you need 💞

[CryptoMattwins 📈📉 @CryptoMattwins]

@ifedayo_johnson What of a situation where someone wants to keep posting about work weekly?

[Kalshi @Kalshi]

JUST IN: Nigeria has now the world's “best” performing stock market

[MS Ingawa @MSIngawa]

JOB ALERT

Shell Graduate Trainnee Program 2027 is finally out

Take your chance to work across borders

https://t.co/yfNQXP0c4n

[YabaLeftOnline @yabaleftonline]

Lady left surprised after seeing her mom's data balance.

[CryptoMattwins 📈📉 @CryptoMattwins]

@BukkyOA Congratulations

[ZAHEER! @iam_YCee]

“a nation of fools will always have something to laugh about”

🙂

[Sir J (J9) @SirJarus]

Short answer

For those I have observed and seen, they work more on their earning power. Their earning increases progressively. And they deploy their income wisely.

Long answer

If we define rich by asset of over N750m naira, here are some tips from those that I see get to that level from 9-5:

1. Type of jobs

The jobs they get are top jobs (top oil companies, top departments in top banks or some specialized subsidiaries, tech, international organizations etc) with good salaries, bonuses and other perks.

It may be tough to move beyond middle class in regular 9-5. You mentioned “rich”, so the type of job has to be the one at the top of chart

2. Personal development

They invest in themselves - write professional exams required by their profession, masters, become very good at their job/profession. They can easily move to better companies.

3. Career progress

Very good in their work, get regular promotion (= regular payrise), become important to their company.

Someone earning N2m today won’t continue to earn N2m forever. As they grow in career, their earning increases significantly

4. Expenses

They are very deliberate in planning their expenses. Some plan their foreign holidays to a time their company wants to send them abroad for official work. For example, the company wants to send them to the UK for a 5 day training. They plan their vacation in the UK to start immediately after the end of the 5th day. That means the return flight cost and hotel costs for 5 of the 12 days they spend in the UK are covered by their company

Company policies like health insurance (HMO) also save them a lot of expenses. Imagine all their childbirths, family hospital bills on their employer.

Many maintain small families too.

4. Loans

They explore personal loan opportunities available to their type of job. In some jobs, banks chase you with loans. They pay back over 4-5 years from their salaries. As one finishes, they move to another.

They explore cooperative societies and other group financing opportunities.

5. Investment

Many invest in properties (lands, houses) using these bank and cooperative finances. Some lands bought for N20m in 2015 are now worth N200m. I know someone that worked in one of these companies that finished a house worth N60m in 2015. That house is worth minimum of N350m today.

Some invest in other things. I know some that opened supermarkets as side hustle.

Group finance leveraging their company’s cooperative also helps. Cooperative negotiates and buys land in bulk and resell to members, while they pay over time.

By their 15th year of working, some can boast of net assets worth at least N750 million

- 2 plots of lands bought at N20m each in 2015 are worth N150m each by 2025 = N300m

- 2 houses (N40m) financed through cooperative, bank loans, savings etc are now worth N200m = N400m

- a supermarket started with N30m now worth N150m

- cash in balance of about N50m

The above totals N900m million.

- if they still have a loan balance of N100m with cooperatives and banks, that’s N800m net assets.

If you then ask, but I said 9-5, why all of these?

1. 9-5 is still the seed of all of these
2. 9-5 does not mean you should not invest
3. Banks give them loan because of the security of their 9-5 job
4. They have access to group financing because of 9-5
5. 9-5 does not mean you should keep money lying idle in bank and not use it to multiply (people make this mistake when talking down 9-5)
6. You are exposed to these opportunities because of a good 9-5 job

What they use their salaries for
- save a part with bank, cooperative etc
- use a part to pay back loans
- use a part to cover personal expenses

Other sources of income that augment their salaries
- rental income from a house built or bought with 9-5 pay
- dividends (cooperative, some invest in shares)
- side hustle income (supermarket in this case).

And this is a conservative estimate still. Some top guys are legit naira billionaires from these things

[WhatsApp @WhatsApp]

your phone number is personal and sometimes you want to connect without handing it over. that's why we're introducing usernames for WhatsApp.

starting this week, you can reserve a username to use later this year when we launch the feature. It takes just a few seconds, make sure you have the latest version of WhatsApp and then go to Settings > Account > Username.

[Zamani @Zamani_WLK]

Yoruba is greater than Nigeria

[Michael Taiwo @AskMichaelTaiwo]

This is one of those interview questions that separates people who use software from people who understand it.

Most candidates freeze here because they think about scale the wrong way.

They picture a database with billions of rows and assume the check is scanning through all of them... but that's not how it works at all.

The answer lives in a data structure called a hash table.

When you store a username, you don't file it in a sorted list you have to walk through.

You run it through a hash function, which converts that string into a fixed-size index almost instantly.

So when you type a new username, the system hashes it, goes directly to that memory location, and checks: is anything here?

One operation. Constant time. Doesn't matter if there are a million users or a billion.

But there's a second layer most people miss.

At Google's scale, usernames aren't sitting in one database on one server.

They're distributed across many nodes, and frequently cached in fast in-memory stores so the lookup doesn't even need to travel to persistent storage at all.

The UI fires the check asynchronously as you type, and the response comes back before your brain has registered it as a "request."

So the real answer to the interviewer is this: hash-based lookups give you O(1) time complexity, distributed architecture gives you availability, and in-memory caching gives you the speed that makes it feel instant.

Three layers working together is what makes the magic look effortless.

[I am Dayo Amusa @iamdayoamusa]

The line up of every football match is given an hour before kick off and this comparison of formation and how to solve problems facing a nation do not correlate.

You must be irredeemably stuppid and dull to think the reason people roll out manifestos and attend debates during campaigns is to keep their solutions to themselves..

Now I understand why you’re supporting him.

[CryptoMattwins 📈📉 @CryptoMattwins]

@iamkingmonye Boss, you didn't upload From Episode 8

[SF @SFAjayi]

Cursing my pastor won't make me support your candidate.

[CryptoMattwins 📈📉 @CryptoMattwins]

@alt_tgbwears @Raybanlovesyou Target has a lower interest rate and you might be tempted to break it

[Paris Saint-Germain @PSG_inside]

Mood 🤪🎶

[Niyi @theniyifagbemi]

Ojude Oba 2026! 🇳🇬

Shot by me 📸

[Danny Walter 🧸 @AjeboDanny]

This doesn’t just apply to relationships. It applies to friends, family, even your parents.

Start giving your parents a monthly allowance and stop later because you’re broke, they’ll resent you. That gateman you give money to every day, the moment you stop, he’ll resent you too.

A gift is not supposed to be steady or predictable. Once it becomes expected, it stops being a gift and becomes an obligation.

Don’t start what you can’t sustain. Even good intentions become harmful in excess.

[CryptoMattwins 📈📉 @CryptoMattwins]

@pandaa Gg6s2Pe1xairLoAmfCaYjQrQi41ndmdK4APtHFkmJsQM

[CryptoMattwins 📈📉 @CryptoMattwins]

@RR7T123 @unknownly2711 @Letter_to_Jack How do I know a locked Samsung