𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️

Nothing to see here . Just me, myself, and I. 🤓Living life on my own terms😇 🅸 🅻🅾🆅🅴 🅲🅰🆁🆂 🚘

[MRR ADDY  @vibewithmraddy]

If you like comot the belle, my own dey village dey do God’s work 🤣🤣🤣🤣

[MRR ADDY  @vibewithmraddy]

You can’t convince me these movies were scripted😂😂😂😂😂😂😂😭

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@AbujaEmpress @Saodami1 “men don’t have anything to lose but women have”

[99 Majik @99Majik]

How to be confident

[Kerry Holmes @KerryHolmekb]

Never say thank you!

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@blesschidiebube Happy for you

[MrBanks💰 @Mrbankstips]

🔥

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@DannyhorlaK Congratulations

[Abdulkadir | Cybersecurity @cyber_razz]

Comment the cybersecurity field you want to specialize in and I’ll respond with a detailed roadmap you can follow.

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@tolu_harde Congratulations

[Tolu @tolu_harde]

Secured!!

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@artakescyber Congratulations

[Wealthese @Wealth_ese1]

Are you still saving money with Ajo man

1. TRADITIONAL AJO
• Monthly deposit: ₦50,000
• Payout at Month 12: ₦600,000
• Interest earned: ₦0
• Risk: High organizer default risk

2. MONEY MARKET FUND (17% p.a.)
• Monthly deposit: ₦50,000
• Payout at Month 12: ~₦651,500
• Interest earned: +₦51,500
• Risk: Low SEC regulated & asset backed

Ajo holds your ₦600,000 for 12 months for free

A Money Market Fund pays you an extra ₦51,500 to hold it for you.

[Glorious God @GloriousGod01]

I was supposed to increase my monthly mutual funds deposit from 150,000 to 200,000 naira from January next year. But I have decided to start from next month which is just a few days away.

You all know my target. 300 million naira in 10 years and a bigger goal of hitting 500 million naira before age 45 at most.

The 200,000 naira monthly deposit alone will not get me there in that timeframe, but I will be making lump sum deposits of anywhere between 1 million and 3 million naira once in a while to speed up the compounding and get me closer to that target faster.

I am sharing this to keep you all updated on my progress because this is not just my journey. It is one we are embarking on together. I have been heavily motivated recently by the lady I introduced to mutual funds less than 5 years ago who is already making over 300,000 naira monthly in interest. If she can do it, I can do more. And if I can do it, so can you.

So I am not waiting till January. I am starting now.

Most importantly, please do not invest more than 30% of your income unless you can comfortably live on whatever remains.

Do not pressure yourself into investing. The goal is consistency over a long period of time, not desperation. Invest within your means and stay the course.

Let us keep going. 💪

Above all, love God.

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@GloriousGod01 I started already 🙏

[Glorious God @GloriousGod01]

I started investing in mutual funds in 2018. After one full year of investing, my total balance was approximately 412,000 naira. I had saved 360,000 naira in total and earned 52,000 naira from interest.

In 2019, my monthly interest was just 6,000 naira. It felt laughably small. I genuinely wanted to withdraw everything and move on. But I could survive without it so I left it alone and kept going.

Today, my monthly interest alone is over 220,000 naira.

That is more than what 90% of Nigerians earn as a full salary. Some civil servants who started working in 2018, the same year I started investing, still do not earn up to 220,000 naira monthly after 8 years of service.

But here is the painful truth. If they had started investing when I did, their monthly interest by now would have been more than twice their current salary. And they would have had the option to quit that job entirely. That is the power of consistency and compounding over time.

It looks small at the beginning. Embarrassingly small. But with time, the magic is genuinely mind blowing.

Do not sit on the fence. Start now. Even 5,000 or 10,000 naira monthly is enough to begin. It is not too small. Just start and thank yourself later.

Above all, love God.

[Esther | Startup Recruiter @hrwithEsther]

Your degree gets you started.

Your professional certification can help you grow and be better valued.

Here are professional certifications to consider as a Nigerian fresh graduate, intern or entry-level professional 👇

1. ACCOUNTING
→ ICAN — ACA
→ ANAN — CNA
→ ACCA
→ CIMA

2. BANKING
→ CIBN — ACIB
→ CIBN banking certifications

3. HUMAN RESOURCES
→ CIPM — ACIPM/MCIPM/FCIPM
→ CIPD

4. FINANCE & INVESTMENT
→ CFA
→ ICAN — ACA
→ CIBN
→ CIS — Chartered Institute of Stockbrokers

5. TAXATION
→ CITN — ACTI/ACIT
→ ICAN — ACA

6. AUDIT & RISK
→ ICAN — ACA
→ ACCA
→ CIA — Certified Internal Auditor
→ CRMA — Certification in Risk Management Assurance

7. PROCUREMENT
→ CIPS
→ Professional procurement qualifications/certifications recognised in your organisation or sector

8. PROJECT MANAGEMENT
→ PMP
→ PRINCE2
→ CAPM

9. DIGITAL MARKETING
→ Chartered Institute of Digital Marketing, Nigeria
→ Google professional certifications
→ Meta professional certifications

10. DATA ANALYTICS
→ Microsoft Power BI certification
→ Microsoft Excel-related certifications
→ Google Data Analytics
→ IBM Data Analyst

11. INFORMATION TECHNOLOGY
→ CompTIA certifications
→ Microsoft certifications
→ Cisco certifications
→ AWS certifications

12. CYBERSECURITY
→ CompTIA Security+
→ CEH
→ CISSP — usually for experienced professionals

13. ENGINEERING
→ COREN registration
→ Relevant professional engineering certifications

14. SUPPLY CHAIN & LOGISTICS
→ CIPS
→ Relevant logistics/supply-chain professional qualifications

15. CORPORATE GOVERNANCE / COMPANY SECRETARIAL
→ ICSAN — Chartered Secretary/Administrator

16. INSURANCE
→ CIIN — professional insurance qualifications

17. STOCKBROKING / CAPITAL MARKET
→ CIS — Chartered Institute of Stockbrokers

18. MANAGEMENT
→ NIM — Nigerian Institute of Management (Chartered)
→ Relevant management certifications

19. QUALITY MANAGEMENT
→ ISO-related professional certifications
→ CQI/IRCA qualifications

20. HEALTH & SAFETY
→ NEBOSH
→ IOSH
→ Relevant Nigerian professional registrations depending on your profession

IMPORTANT:
√ Don't collect certifications just to decorate your CV.

√ Start with your niche

√ Get entry-level experience

√ Then choose certifications that actually move you toward the next level of your career.

Degree → Entry-level experience → Specialisation → Professional certification → Career progression.

Save this list and research the certification that fits YOUR career path.

[𝕆𝕜𝕨𝕦𝕕𝕚𝕝𝕚 🧘🏼‍♂️ @JustOkwudili]

@ayam_Chizzy India keh 🙂

[Glorious God @GloriousGod01]

If you have a 5 year investment target, here is how to work backwards from it and turn it into a monthly deposit plan.

Decide your target. How much do you want to have in 5 years? Let us use 10 million naira as an example.

Work backwards. At 16.8% per annum, to reach 10 million naira in 5 years you need to deposit approximately 110,000 naira monthly.

If 110,000 is too high, adjust your target or extend your timeline. To reach 10 million in 10 years you only need approximately 33,000 naira monthly. Same goal, more time, smaller deposit.

Automate it. Set up AutoSave on Cowrywise or PalmPay so the money leaves your account before you can spend it.

Increase your deposit whenever your income increases. Do not wait until you feel comfortable. Comfort is the enemy of compounding.

The goal is not the problem. The absence of a plan is. Set your target today and work backwards from it.

What is your 5 year investment target? I will help calculate exactly what you need to deposit monthly to get there.

Above all, love God.