Itodo Michael

Accountant,
Laptop System dealer
Love instantly trust gradually
April born
Be yourself everyone else is taken😎
IG_i_t_o_d_o,michael

[Itodo Michael @ItodoMichael6]

Financial success requires a great deal of patience and discipline

[Itodo Michael @ItodoMichael6]

@Wizarab10 Just be Disciplined and don't give in to her sexual advances because it is one thing to dream sexually with a person it is another thing to make sure that Dream comes to pass

[Abimbola M @Itz_genade]

If things start getting very competitive in your industry, the worst move you can make is competing on price.

Price wars rarely end well.

When everyone keeps lowering their prices just to win clients, the work becomes a commodity, something buyers see as interchangeable and easily replaceable. And once you’re seen as a commodity, the only thing left to compete on is who is cheaper. That’s a race to the bottom. Instead of cutting your price, focus on increasing your value.

Ask yourself:

• Can you deliver faster?
• Can you communicate better than others?
• Can you package your service differently?
• Can you add insights or strategy instead of just execution?
• Can you specialize in a specific niche?

These are the things that separate professionals from commodities.

The truth is, buyers are not always looking for the cheapest option. They’re looking for the safest option; the person they trust will get the job done without stress.

Value creates trust.
Trust creates loyalty.
And loyalty creates long-term income.

Think about it this way: Two freelancers may offer the same service.

One simply delivers the task.

The other:
• Understands the client’s goal
• Suggests improvements
• Communicates clearly
• Delivers with extra care

Even if the second freelancer charges 2–3x more, many clients will still choose them. Why?
Because they are not selling just a service anymore. They are selling confidence and results. So when competition increases in your field, don’t panic. Don’t slash your prices. Instead, upgrade your value.

Improve your skills.
Improve your process.
Improve the experience clients have working with you.

In competitive markets, the winners are rarely the cheapest. They are the ones who make clients feel like they’re getting more than they paid for. And when you position yourself that way, price becomes a secondary conversation.

Value becomes the real reason people choose you. 🚀

[Òluwa-Gbotemi @Skolex5]

If I was 20 today again, I will advise myself with the following.

Live below your means.
Spend less than you earn, regardless of income level.

Invest wisely.
Money that sits idle slowly loses value. Productive assets grow it.

Build multiple income streams.
One salary is fragile. Multiple sources create stability.

Avoid bad debt.
High-interest consumer debt compounds faster than most investments.

Save and invest consistently.
Wealth is rarely built by one big win. It is built by repeated discipline.

Understand taxes.
What you keep matters more than what you earn.

Take calculated risks.
Every meaningful financial leap requires informed risk.

Keep learning.
Financial knowledge compounds just like capital.

Income alone does not create wealth.
Systems do.

When your money has direction, discipline, and purpose, wealth stops being accidental and starts becoming predictable.

[Big Cheks @CheksT77]

Money problems are often seen as purely financial, but in reality, they are reflections of behavior, habits, and mindset.

I grew up around some Igbo “Rich Oga’s” who were violent and extravagant. They could insult anyone simply because they had millions in their accounts. They had money to do whatever they wanted at any moment, but their bad behavior and poor character around money were things they never worked on.

Even today, not all of them are still millionaires. Even those who are, are struggling to maintain their wealth because they lost most of their credible relationships due to their reckless behavior and inability to transform the way they think.

I must say, many of them have low self-esteem, thinking money will always validate them socially or in any other aspect. They spend excessively to feel “arrived” and to conform to societal pressures.

However, there was one of them I was privileged to get close to. He called me one day and said to me,
“No matter how much you think you have in your account, never let money make you insult anyone or use it against anyone. Never use money to impress or show off, because once you start, it will be very difficult to stop, and it will affect your finances in the long term.”

He later added, “Build good, credible relationships with people more than you desire to pursue money, that’s one of the highest classes of wealth. Always track your progress and be humble.”

That statement helped shape who I am today, coupled with the many books I’ve read and the exposures I’ve had.

People frequently think that earning more money will solve their financial woes, yet time and again, those with higher incomes face the same challenges as those with less. The difference lies not in the amount of money, but in how one thinks about, manages, and interacts with it.

Overspending, procrastinating on saving, chasing instant gratification, and ignoring long-term planning are behaviors that lead to recurring financial stress.

Behavioral patterns around money often start early in life. How we were taught to view money, whether as a tool, a source of security, or a symbol of status, shapes our adult financial decisions.

Emotional impulses, fear, envy, pride, or anxiety, frequently drive spending choices more than rational thinking. For example, someone might buy expensive items to feel socially validated, even if it strains their budget, or avoid investing out of fear, even when it limits future wealth. In these cases, the root of the “money problem” is not the lack of money but the underlying behavior and mindset driving financial choices.

Breaking free from these cycles requires self-awareness and intentionality. Tracking spending, setting clear goals, and reflecting on why you make certain financial decisions can reveal the habits keeping you stuck. Developing discipline, delayed gratification, and consistency are more important than earning an extra paycheck.

Money becomes a mirror, reflecting our priorities, fears, and self-control. Once we accept responsibility for our financial behaviors, we gain real control over our lives. It’s no longer about chasing more money, it’s about transforming the way we think, act, and relate to it.

Financial freedom is rarely a matter of income; it’s a matter of behavior.

End.

[Itodo Michael @ItodoMichael6]

@jon_d_doe People that do not learn from history will always repeat it and indeed he was not an exception

[Slim @onu_slim]

Let me be honest with you….. this whole story still cracks me anytime I think about it.

My guy and I were both abroad before. Life wasn’t perfect, but at least it was stable. But he decided to come back to Nigeria before me. And the truth is this:

He didn’t really come back because of business.
He came back because of a woman.

He met her on Facebook. Fell deeply in love. He wanted to marry her, build a life with her, and start a real future here. That was the main reason he relocated. Business came after. Love pushed him home.

Then COVID came. Everywhere shut down. People were scared. Money stopped moving. That was when he wanted to start his business. But the same woman told him not to. She said people were hoarding cash. Spending slowed. That it wasn’t the right time.

But on the flip side…..

She asked him for 600k to start a hair business online during COVID since people were mostly indoors.

And remember……
600k in 2020 is roughly 2.4million naira today.

He didn’t argue. He trusted her. And honestly, someone who relocated because of love….. what was I really going to tell him? He gave her the money.

But she never started anything. Anytime he asked, she acted cold, defensive, irritated. No accountability…..no business…..nothing.

Later, he got a deal to supply nose masks to China when masks were in short supply. The deal was under 20m. He called me. I supported him. But something wasn’t sitting well, so I told him to ask her to return the 600k temporarily so he could use it. He would refund her later.

That’s when wahala began.

She ranted. Complained. Played the victim. But I insisted he should collect it. If not, he should refund the part of the business money he held for me.

That was when we discovered she had given the money to her mum.

Because he didn’t want to look like a bad future son-in-law, he didn’t want to push the matter. But I shouted. I insisted.

At the end of the whole thing,
only 65k came back.

I thought that would finally open his eyes. But love had him tied down emotionally.

Fast forward…. they never got married. They were not compatible. Her character was dark. His heart was too pure. Light and darkness don’t mix.

She dated other people. Anytime one ended, she tried to run back to him. By then I was already back in Nigeria and I made sure he didn’t fall again.

Today, she is married to one guy like that in Lagos, my guy dint court her properly as it was a Lagos- Abuja thing. I sincerely pray he survives it.

Meanwhile, God opened another door. A Kenyan lady who once liked me moved to Canada and later told me of an opportunity. I told her to give it to my guy instead.

Today he’s in Canada….. peaceful…… progressing…… focused.

Guess what? He built an app that the Canadian transport system uses and he is boxed up.

Sometimes I just tell him:
“Na God save you.”

Because if he had stayed back here and built life around that woman, financially and emotionally, he might never have recovered.

Love is not a financial plan.
Emotion is not an investment strategy.

If your money is not respected, you are not respected.

Never put large sums into someone’s hands simply because you “feel something.” If there is no structure, no accountability, no record, no plan…. your money is gone before it leaves your account.

Before you fund anyone’s business:
Ask for a written plan, agree on timelines, track spending and don’t be afraid to say NO

Money and emotions don’t mix well. Keep your heart soft…..
but keep your financial head hard.

Because at the end of the day,
it’s easier to recover from heartbreak than to recover from financial ruin.

[Itodo Michael @ItodoMichael6]

@jon_d_doe Merry Christmas Agba,
Your teachings have indeed made impact

[Itodo Michael @ItodoMichael6]

@jon_d_doe Indeed Words of Value Sir

[Itodo Michael @ItodoMichael6]

@jon_d_doe This is very bad bro
Indeed people are going through allot like what is this

[Ibukun Amosu 🇳🇬🇬🇭 @amosuibk]

Don't ever introduce yourself like this in an interview. https://t.co/lIO3vWvv8p

[Itodo Michael @ItodoMichael6]

@erigganewmoney I sell good and affordable laptops of different brands and Models Quality assured

[Itodo Michael @ItodoMichael6]

@EfeSam207 Cute

[Itodo Michael @ItodoMichael6]

Very True

[KHAN'✨ @khanofkhans11_]

3 types of people:

1. Confrontational. They never let anything slide without addressing it. If they don’t address it they will fall down & d!e.

2. Quiet. They let everything slide & keep piling them up till your cup is full then blow it out of proportion.

3. Exit. They just distance themselves.

[Itodo Michael @ItodoMichael6]

@jon_d_doe Since 2022
And I have learned allot

[Itodo Michael @ItodoMichael6]

Words of Value

[Wisdom Stoics @WisdomStoics]

It took me 9 years to understand this, I’ll teach it to you in 3 minutes.

Here are 10 uncomfortable truths about life...

1.

[Itodo Michael @ItodoMichael6]

@jon_d_doe Thank you Sir

[Akin Fadeyi @akinfadeyi1]

On an Estate Group platform, a neighbour had access to a Billionaire.
One midnight , he sent a direct message to the Billionaire’s inbox on WhatsApp asking for “help to feed his family”.
The Billionaire read the message following morning and asked for his Acct number, after which he sent him a 100,000 Naira. The neighbor texted the Billionaire as follows: “Thank you very much Sir, but per your status, I was expecting more. Please help me more in Jesus name”.

The Billionaire replied as follows: “I am so sorry. I sent you a wrong amount meant for my gateman. Here’s his account number, send that 100k to him and share the transaction notification with me. I’ll send you something much better”.

The neighbor sent 100k to Billionaire’s gateman and shared notification with the man. The Billionaire read it and kept quiet. After 30 minutes, the neighbour sent a reminder to the Billionaire as follows: “Just a gentle reminder Sir, that I’ve sent the notification”.
Billionaire replied : Just to inform you to try again in your next life”.

Neighbour is badmouthing Billionaire all over the Estate as stingy. The gossip flowed into the WhatsApp group. Billionaire exited, put his domestic servant on it to relay “only important messages”. to him and then blocked the disgruntled neighbour who’s left in his penury state.

Access is not a privilege. And if you have access, always remember, “gratitude opens the heart, entitlement closes it”

[Stoneyartz007 @LawuyiP]

I spent 7 months on this piece.. use 1sec of Ur time to like and repost 😭

[Itodo Michael @ItodoMichael6]

@Wizarab10 😂😂 Omor this guy funny oo