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Happiness is a fleeting emotion. # I’m searching for Peace

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[Yinka @Ykfund_1]

Neche-Aikou what fascinates u most about the human mind?
Aikou- you do not know where it is or what it is but it exists 🧠🙂😌
This boy is my client already 🔥🔥
#BBnaija

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@Footy_Tipsters I’m with you my brothers

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@hattrickbet_ We’re cashing out big

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@Aiden_Tech_Ai Need

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@Winningg_Boss Arsenal 0 : 2 Manchester United

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@KingTunde_SZN Arsenal 0 : 2 Manchester United

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@BlessingGives Arsenal 0 : 2 Manchester United

[Toyyib Adewale Adelodun @taadelodun]

Adopt this financial template in 2024.

Small backstory: Growing up the lack of money disrupted my desired plans e.g. education. The moment I pushed through/started working, I knew I had to learn about money. I read a lot of books (I will share some at the end). I saw some traditions of people saving for their child's university education from birth, some saving for their wedding for years, pension for decades, and some even saving for their own burial.

The below will help you with your goals.

1. Spend less than you earn.
This is one of the oldest rules of finance. Avoid lifestyle creep, If you get an increased salary or side hustle income. Try and keep the expenses the same so you can have more money to invest/ take advantage of some opportunities. If they invite you for a one-day owambe and you cant afford to buy the chosen Ankara, wear the one you have. Do not let peer pressure/ social media get to you. Your money your choice.

2. Find opportunities to increase your income. If you have skills that can earn extra money in the marketplace, please don't hold back, I know people who do MC, writing, cooking, photography, graphics, etc. Earning money on the side and using that for various things. Some side hustles that you love and are good at could become your main source of income later. Also if there is a recession and you lose your job, you have some earning capacity on the side.

3. Avoid/Pay off High-Interest Debt
A lot of people abroad use high-interest credit cards to build their credit scores. Please pay them off before the statement date. Those interests slow down your financial plan. Stay away from payday loans at all costs. So many have learned this the very hard way.

4. The Next Step is to Save for an emergency fund.
Experts say to have 3-6 months of your monthly expenses saved in case of emergency. Anything can happen at any time. That saving will be your shock absorber.

5. Invest regularly in ETFs for yourself and your children. My favourite one here is the Vanguard S&P 500 ETF (It has averaged 10% returns annually in the last 50 years). This is what Warren Buffett and all the Finance OGs recommend.

If you are in the USA, understand how to use your ROTH IRA, and 401K to achieve your goals.

In the UK, read up on ISAs and LISA.

In Canada, know about the TFSA.

In Africa, I know you can access ETFs through @investbamboo and @chippercashapp

6. Understand other assets like real estate and bonds. How does it all fit into your plans? How can you maximise it all?

7. What age do you want to retire? and what are you planning to spend during that time, when you will not be working. We pray we do not have to crowdfund for help. That means money has to be saved/invested for that time.

I will be doing live sessions this week and you will have my phone number to ask questions. I wish you all the best in the new year.

Some of the books I read

The Psychology of Money by @morganhousel
The Dhandho Investor by @MohnishPabrai
The Simple Path to Wealth by J. L. Collins
Learn to Earn by Peter Lynch & John Rothchild

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@Y1079FM @kulaGH @bigkris_dj @AustinmilMiller Stepping on Charcoal with fire.

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@mrjaypappy1914 @Titi_Sarps

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@uchedark @TitiSarps

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@Princez_Peach Why won’t you be single 🤣🤣💔

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@RealAuntyAjay She will be single forever 😆😆😆

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@Fact I swear

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MODIFY OR UPGRADE YOUR OLD KEY TO FLIP REMOTE KEY WITHIN 30MINS AT YOUR DOORSTEP. CALL OR WHATSAPP KEYTECH GHANA ON 0249194289/0203376653. @ Accra, Ghana https://t.co/kkMwdnXdiH

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MODIFY OR UPGRADE YOUR OLD KEY TO FLIP REMOTE KEY WITHIN 30MINS AT YOUR DOORSTEP. CALL OR WHATSAPP KEYTECH GHANA ON 0249194289/0203376653. @ Accra, Ghana https://t.co/Om5OZDnfPp

[Addicted to KULA @KULAddicts]

@KulaGh How many RTs do we have to get for new music! 🤔

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0249194289/0203376653 call or WhatsApp for your car keys to be upgraded. @ AlajoCity https://t.co/1U3LDe2JOb

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Upgrade or Modify your remote key to Flip remote key within 30mins at your doorstep. Call or WhatsApp KeyTech Ghana on 0249194289/0203376653. @ Accra, Ghana https://t.co/6X0gDFAwoB

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