Jimmy, here's exactly what I'd do if I earned your salary.
First, I want to say this: you're not irresponsible. You're just carrying more people than your salary should carry.
Let's look at the numbers.🧵
I have friends who are older and very fit because of their lifestyle. They don't drink or smoke and exercise daily. They also have the most unfit kids who don't follow their example. This has always worried me as I am raising young children. I have also seen families with hard-working and wealthy parents who raise the laziest and most entitled children.
We always want our children to do better than us, but when and where does this go wrong for most people? I think it comes from the time and attention we personally give our kids and the lapses we allow.
My wife and I are early risers. I have a particular sleep problem I am still trying to solve, but my kids can sleep all day on vacation if you let them. A friend with an older son who had just graduated and was back home, jobless, used to tell me how alarmed he was that the son would go out all night, come back early in the morning, and sleep all day.
I told him then that if he didn't force him to change that habit, he would remain jobless and stay with his parents longer. They eventually forced him to change, and he moved out. He has a job now and struggles a lot. His parents are concerned that he isn't thriving. He is now almost 30, and I think about this all the time. At 25, I was a beast and had started many businesses.
While we want our kids and young adults to experience life on their own terms in a world vastly different from the one we grew up in, we can't help but notice that others whose children were more disciplined are thriving better. One indicator I have seen that correlates with success in younger people is fitness.
A friend’s son started going to the gym regularly, and he even inspired his cousins to do so. I checked on LinkedIn recently, and he is doing exceptionally well as a lawyer and investment banker without any family connections or assistance. His younger cousins, who are looking up to him, are following in his footsteps. I decided to get my kids to spend more time with him.
The role models our children need may be closer to their age than ours. It is why we need to amplify the lifestyles of young, disciplined, and successful people more. Not every person will make it through creative pursuits. I stress this to my kids all the time. There are billions of YouTube channels, but there is only one MrBeast or IShowSpeed.
Social media is highlighting more unrealistic role models than the most useful ones. My daughter is likely one of the most intelligent young children that I know, but because she doesn't want to be seen as a nerd, she is adapting to popular culture to blend in, in a way that scares me. This sometimes affects the way she learns. While I don't want to restrict her now from experiencing the world, I have realized that she needs different role models.
My son’s role models are nerds, and he nerds out in ways that surprise me and it is also worrying. We can be watching a movie, and he goes online to research it and summarise the plot so he can leave to code. He is not experiencing life enough outside the internet.
They will either eventually be ok in a world very different from ours or struggle in a world that becomes worse than ours, without the skills to build personal resilience and strong social skills.
I recently had a personal experience that made me realize I was fortunate to have left home early and to have different role models from my parents. Having a broken home led to different outcomes for my siblings and me, but the fact that I had strong personalities like my mother’s uncle and the uncles I grew up around helped me learn a lot more about life and priorities.
The world is a very complex place, and life is not a bed of roses. While we want the best outcomes for our kids, we have to finally admit that they will learn far more from others than they will ever learn from us. The best thing we can do for them is expose them to the right kind of people early enough, then hope and pray that we didn't misread those people.
A certificate is useful, but it is not the same as competence. Employers and customers ultimately pay for results.
Think about building a skill stack. Start with strong knowledge in your field. Add communication, because you must be able to explain ideas. Add digital ability, because almost every industry now depends on technology and data. Add commercial sense, so you understand how organisations make money. Finally, build a reputation for reliability.
You do not need to master everything at once. Choose one or two valuable skills and practise them through projects, internships, volunteering or freelance work. Evidence of work is stronger than merely saying that you have a skill.
Some of us might have started our stock investing journey for the first time in January 2026 because the gains in prior months were really enticing.
The last five months have been fantastic as well, until this month that everything has been blurry.
My gist this morning is that you should calm down. Do not panic about anything. You most likely have not made a mistake.
To help you understand how things work in the equities market, I have shown you a list of some companies (solid coys, by the way) and their closing stock prices every year since 2018. I used 2018 as my base year because:
✑ The trend is sufficient to incorporate different economic cycles
✑ It was the year that foreign investors started to leave Nigeria.
Hence, I am showing you the performance of these stocks even in the worst market periods.
The least performer there is Nestlé, which has done 2x or 10% per year since 2018. You can see the range of returns across the listed names and across their respective sectors.
On average, the combined listed stocks did +36% price gain every year. And this excludes dividends.
So what is my point?
Do not panic. Do not fret. The red and blurry scenes are part of it, as long as you are invested in very good, solid, and sound companies.
You’d be fine. So open that @cowrywise app and keep buying more.
While the biometrics capturing at INEC offices takes less than 15 mins, except there is server downtime which doesn't stay on for long...
Kindly use this link to register now: https://t.co/DBr44LOpUI
If you opened IG and saw a reel from your Pastor and the reel song was say Asake or Mavo, you'd be shocked abi? No wam
But you make reels using the same set of songs and you're fine.
You expect some level of consecration from your Pastors but you think you're exempted from displaying same level consecration.
If you expect that level of consecration from your Pastors, it also applies to you.
Pastor Adeboye Did Not Protest Against President Goodluck Jonathan’s Government
A false narrative has been circulating online, accompanied by a photograph of Pastor E.A. Adeboye holding a placard during a public walk. The image has repeatedly been misrepresented as evidence that Pastor Adeboye led or participated in a protest against the administration of former President Goodluck Jonathan.
This claim is FALSE.
The photograph in question was taken during a peaceful nationwide walk held in response to a directive issued by the Christian Association of Nigeria (CAN) during the administration of the late President Muhammadu Buhari. Churches across Nigeria were instructed to hold peaceful walks after service, calling attention to the persistent killings of Christians and urging the government to take decisive action to protect lives.
The walk in Ebute Metta, where Pastor Adeboye participated, was part of that nationwide exercise. It was neither organized against President Goodluck Jonathan nor connected in any way to his administration.
Ironically, despite the significant media presence at the event when it took place, some of the same photographs have years later been recycled and falsely presented as evidence of a protest against a completely different government.
It is important to note that Pastor Adeboye’s message during the walk was clear: all lives matter to God. His placard emphasized the value of every human life, regardless of religious affiliation. The call was for the protection of innocent Nigerians, both Christians and Muslims.
Yes, Nigeria is facing enormous challenges, and citizens have every right to desire solutions. However, the growing demand that Pastor Adeboye should “command” the President or the First Lady on how to run the affairs of the nation is both unrealistic and unreasonable.
Pastor Adeboye is a clergyman, not the Commander-in-Chief of the Armed Forces.
Nevertheless, he has not remained silent.
During the November 2025 Holy Ghost Service, Pastor Adeboye publicly offered counsel to the President of Nigeria regarding the worsening security situation and the continued killing of innocent citizens by terrorists. He warned that urgent action was necessary before foreign powers found justification to intervene in Nigeria under the guise of combating terrorism.
He further advised that security chiefs should be given a clear ultimatum to decisively address the menace or vacate their positions.
In his words:
“When they eliminate the terrorists, ask them to eliminate their sponsors too.”
At 84 years old, Pastor Adeboye continues to provide spiritual leadership, moral counsel, and national guidance within the limits of his office as a minister of the Gospel.
For the avoidance of doubt:
• Pastor Adeboye cannot command the President or the First Lady on how to govern Nigeria.
• Pastor Adeboye and RCCG are not responsible for the current challenges facing the nation.
• RCCG is not a political party.
• Pastor Adeboye does not hold political office and was not elected into government.
• RCCG is not the religious arm of any political party in Nigeria.
Facts matter. Context matters. Truth matters.
Before sharing claims about Pastor E.A. Adeboye or The Redeemed Christian Church of God, verify them through RCCG’s official communication channels.
Follow @rccg_pr for accurate information and official statements.
@ArsenalChizzy_ That thing he does when he wants to trap an aerial ball, and tilting backwards, thereby always losing the ball, it's annoying. His body language doesn't show a winning mentality.
Wagwan guys
TGIF 🎉 🥳
Get a cold @AquafinaNigeria water, let's gist.
There is a massive wave of anticipation building up around the potential Dangote Refinery IPO. The financial ecosystem is buzzing, and FOMO is hitting the roof. Word on the street is that the listing share price could launch as high as ₦9,000 to ₦10,000 per unit.
Almost everyone has seen this statement:
"This is a lifetime opportunity. If you miss this, you will cry. Plus, Dangote is going to pay dividends in dollars!"
It sounds like the ultimate wealth cheat code. But step away from the narrative and look at the mechanics of the market. The math tells a completely different story.
Get a chair. Let's put this thing into context. It is a long read, but I promise it will be worth your time.
Let’s run a thought experiment pitting two investors against each other "Tunde and Victor" each starting with a capital of ₦500k (the amount most people recommend), to see who actually leaves the trenches first.
Tunde buys into the hype. He successfully gets allocated shares of Dangote Refinery at a premium listing price of ₦10k per share.
With his ₦500k capital, Tunde walks away with exactly 50 units of stock.
Fast forward to the end of the financial year. Let’s assume the refinery performs beautifully and rolls out a juicy, dollar-backed dividend of 9 cents per share. At current exchange rates, that translates to roughly ₦115 per share.
Tunde pulls out his calculator, expecting a life-changing payout:
50 units ×₦115 = ₦5,750
A grand total of ₦5,750 in passive income on a half-a-million Naira investment. It's plenty. 😂
Meanwhile, Victor ignores the flashy headlines and looks for raw, unhyped value. He takes his ₦500k to a banking giant like GTCO, which is trading at a much lower entry point of ₦145 per share.
Because the price per share is lower, Victor’s ₦500,000 packs a massive punch. He successfully accumulates 3,448 units into his portfolio.
When GTCO pays out its total dividend of ₦11 per share, Victor’s math looks like this:
3,448 units × ₦11 = ₦37,928
Victor made 6.5 times more money in passive income than Tunde, using the exact same amount of initial capital.
But the tragedy for Tunde doesn't stop at the dividends; it carries over into capital appreciation. Who do you think will double their money first?
Logistically and structurally, it is a much lighter lift for a ₦145 stock to do a 100% run to ₦290 than it is for a heavy-liquid, ₦10,000 heavyweight stock to double its value to ₦20,000. The sheer volume of institutional capital required to move a 10k stock by 100% makes it a slow, grueling climb.
(Someone asked a question about the 100k rule yesterday, and I will make a post on it this weekend)
This scenario perfectly illustrates two fundamental market realities that every retail investor needs to stamp on their minds:
1. Investment is a Game of Volume
A high dividend price per share means absolutely nothing if you only own a handful of shares. A ₦115 dividend looks sexy on paper, but when multiplied by just 50 units, it evaporates into pocket change. True wealth in the stock market is built on the aggressive multiplication of units, not just chasing high face-value prices.
2. An Overvalued Good Company is Still a Bad Investment
Dangote Refinery is an absolute masterpiece of industrial infrastructure. It is an amazing, game-changing asset for the continent. But a great company and a great stock are not always the same thing. If the entry price forces you into a microscopic unit count, the asset becomes a poor vehicle for your personal wealth.
Stop buying the narrative, stop chasing the crowd, and start running the math. In the market, volume always beats hype.
Thanks for reading, I hope it is worth your time.
Enjoy your weekend.
Shalom ✌️
The doubt or "reality" that sets in after you have prayed is always sponsored by satan.
Lay hold of scriptures that speak of the outcome you expect. Meditate on them, and let them shape the pictures in your head.
#HouseholdOfDavid#SundaySermon
To have a successful career, you need three things:
A coach: Someone with the tools and know-how to help you sharpen what is at play. They are usually certified.
A mentor: A senior person who has walked a similar path to yours.
A sponsor: A senior person who mentions your name in places you cannot access. Sponsors choose you because you are AUTHENTIC AND DEPENDABLE. You will not stain their white because their name carries weigh
Bukayo Saka: “Light that up! Let me tell you something; 22 years, they were laughing, they were joking. They’re NOT laughing anymore. It’s going to be shining! It’s going to be shining bright!” 🏆💡
TELL EM’, BUKAYO! 🤐❤️