Dede

🇳🇬🇬🇭Building @REEd_Africa| @VanderbiltU | @LeadforGhana alum| Those who are crazy enough to think they can change the world are those who change the world

[Dede @EmmyyyyyK]

Are you aware there’s a 20% import tax and 12.5% value added tax on sanitary pads??? Sanitary pads are rated as ‘luxury’ items😤 This makes them quite expensive for most girls from less privileged backgrounds.

[ADAEZE👩‍🍳👸-THE BLUEPRINT/ODOGWU OF BANANA BREAD @adaezennaji_]

I will make it out of this phase. Life will still turn out to be incredibly beautiful for me this year.
I will still celebrate many more wins this year.

Amen 🙏

[Dede @EmmyyyyyK]

@GloriousGod01 🤡🤡��🤡

[Dede @EmmyyyyyK]

@Sedi_Asiedua Congratulations Sedi🎉

[Shirley Frimpong-Manso @shirleyfmanso]

So you people…
You hound me for months to release the film, I do and it’s taking some of you forever to watch it? For free…..Hmmmmmmmmm

I am not happy oo, yoooo 😔

#forloveandcountry2 streaming on Sparrow Station on YouTube oo. Watch here: https://t.co/V7DBzW8GeH

[girly&wordly @Brieyonce]

I’m ngl I need that hour back gang.

[𝗦𝗲𝗹𝗼𝗿𝗺 @Prosper_selorm]

This is the inevitable outcome of our collective lack of discipline.

Someone sold him the land.
Someone approved and stamped the plans and designs.
Someone stood by while construction proceeded unchecked.

Everyone involved in this chain must be held to account. It must go beyond the demolition of the structures.

[moritz @onchainmo]

https://t.co/cyuAIte9oj

[Oluwatimileyin✨🦋 @Timmysofine]

Learn Microsoft Excel

From Beginner to Experts

https://t.co/NkmgQ5niYy

[Ore’s God is dramatic @theorebadmus_]

📣📣Your Global Talent Application isn’t about proving your competence or that you’re good at your job.

Don’t make the mistake I made with my first draft 👇🏾

[Funmi @Funminz]

If you want to build that ~£35k education pot over 18 years, you’d normally use a Junior Stocks & Shares ISA.

Platforms people actually use: Vanguard, Fidelity, AJ Bell, Hargreaves Lansdown, Moneybox, Nutmeg.
Invest monthly into a global equity fund and let compounding do the work.

1. Junior Stocks & Shares ISA (JISA)
Tax‑free growth

Tax‑free withdrawals

Annual allowance: £9,000

Child gets full control at age 18

Can be invested in global index funds (e.g., Vanguard FTSE Global All Cap, S&P 500, etc.)

This is the closest UK equivalent to RESP/529 — but with no restrictions on how the money is used.

2. General Investment Account (GIA)
Unlimited contributions

Taxable (but you can use capital gains allowance, dividend allowance, etc.)

Parent retains control beyond age 18

Useful if you want to keep control of the money after 18.

Why the £35k projection makes sense
The maths behind it:

Monthly £70 = £840 per year

Over 18 years = £15,120 contributed

At 8% annual growth, compounding monthly → ~£35k

The return is doing the heavy lifting, more than half the final pot is growth, not contributions.

What £35k means in real life
UK undergraduate tuition: £9,250 per year

Over 3 years: £27,750

Accommodation + living costs: £10k–£15k per year

So £35k won’t cover everything, but it can:

Pay all tuition fees, OR

Pay one year of living costs + tuition, OR

Reduce the need for maintenance loans

It’s a meaningful buffer, not a full ride.

How to make this more powerful
1. Increase contributions with inflation
£70 today won’t feel like £70 in 10 years. Even bumping contributions by £5–£10 per year compounds massively.
2. Use a global equity fund

Historically, global equities return 7–10% annually over long periods. Examples:
Vanguard FTSE Global All Cap
HSBC FTSE All‑World

Fidelity Index World

3. Start earlier if possible

Starting at birth instead of age 4 adds ~£8k–£10k to the final pot at the same contribution level.

Alternative UK scenarios
If you invest £100/month instead of £70

18 years at 8% → ~£50k
If you invest £150/month
18 years at 8% → ~£75k

If returns average 6% instead of 8%
£70/month → ~£30k

£100/month → ~£43k
This is why consistency matters more than chasing high returns.

The real takeaway

The UK doesn’t have RESP/529‑style incentives, but JISAs are extremely powerful because:

All growth is tax‑free
You can invest in global equities

18 years is a long enough horizon for compounding to work

Even modest monthly amounts snowball into something meaningful

Disclaimer: Not financial advice. Investments carry risk and returns aren’t guaranteed, even though long term investing has historically been more stable than short term speculation.

[Dave @d_e470]

Bringing this back again:

For your child(ren), do this if you are in 🇬🇧, 🇳🇬, 🇨🇦 or 🇺🇸

🇬🇧 UK:
With a £300 deposit, invest £70 monthly at an avg. interest rate of 8% per annum. After 18 years, the balance would be ~£35k

🇳🇬NG:
With a ₦200k deposit, invest ₦100k every month into an account yielding 12% pa. After 18 years, the balance would be ~ ₦79m

🇨🇦CAN:
No depost, invest $208 every month into an RESP account (with CESG grant) yielding 6% pa. After 18 years, the balance would be ~ $96k

🇺🇸 US:
With a $300 deposit, invest $100 every month into a 529 account yielding 8% pa. After 18 years, the balance would be ~ $50k

[The Local Designer 👹 @TariusNG]

I found a Design Goldmineeee 💃🏽✨
Photoshop free course from beginner to advanced level!!!!

Here’s the link for those interested! ⬇️

https://t.co/MHCvtvDXCr

[reni, the resource | finance & travel @xoreniii]

My dad is teaching us how to raise financially literate children in my latest podcast episode.

Watch here:

https://t.co/VEqhinIa07

[General Fey @Miz_Fey]

I keep saying this….until people start treating marriage like a genuine partnership, situations like this will keep happening. You can’t build a stable home where one person is exhausted and unsupported while the other expects to be catered to. Shared work and shared responsibilities are what prevent resentment and breakdown.

[LIMOBLAZE OMO JESU @Limoblaze]

Tribalism is such a low IQ trait.

[Dede @EmmyyyyyK]

@IzunnaDike Trader Joe’s plantain chips!!💯💯

[Dede @EmmyyyyyK]

@BarcaPrincipal Another day crying for strangers on the internet 😭🥹

[Dede @EmmyyyyyK]

@FavorGrace90 Congratulations Emmy🎉🎉🎉