Told fresh graduates that just finished service to take the remaining part of this year to study GMART and familiarize themselves with it.
Next year arrange your CV and you will be unrecognizable, as you will scale through all assessment levels.
Here is the link to these questions https://t.co/YRLTGRSACT
I know majority will just keep and won’t go through it, but the smartest ones will.
Goodluck.
Nigeria has turned survival into a full-time job.
One income is rarely enough to pay the bills. You need a side hustle to stay afloat, connections to access opportunities, and luck to avoid emergencies that can erase your savings overnight.
By the end of the month, you are exhausted, your account is nearly empty, and tomorrow demands that you begin the same struggle again.
When does a person get the chance to do more than survive and to actually live?
Not every Nigerian is lazy, and not everyone lacks ambition. Many people are simply spending all their energy and resources trying to remain afloat.
When survival consumes everything you have, there is little time, money, or strength left to build the life you dream of.
One of the most expensive things in Nigeria today is being poor.
You buy food in small quantities, and it costs more per unit.
You live far from work because you cannot afford rent nearby, then spend more on transportation.
You cannot afford quality healthcare, so you wait until a small problem becomes an emergency.
You cannot afford a good school, so your children start life with fewer opportunities.
Even saving money is difficult because the cost of surviving keeps eating into whatever you earn.
Poverty is not just the absence of money. In Nigeria, poverty often means paying more to access less.
And that is the part of the economic conversation we need to have.
So lets take about Personal Finance.
I handle my personal finance like a football team. The aim is to avoid unexpected goals while attaching available wealth building opportunities. So i play a 4-2-4 formation... with 4 core principles in defense 2 in midfield and 4 in attack
Financial conversations Couples should have before marriage.
1. What do you earn and what do you spend?
You should have a realistic understanding of each other’s income, regular expenses, lifestyle and financial responsibilities.
2. Do you have debts?
Loans, credit obligations and other debts should not come as a surprise after marriage.
3. What are your financial goals?
Buying a home, starting a business, investing, travelling, supporting family or having children can all come with financial implications.
4. How will you manage money?
Will you combine your finances, keep some money separately, or use a combination of both?
There is no single system that works for every couple. What matters is agreeing on a system that both people understand.
5. What are your responsibilities toward family?
In many families, supporting parents, siblings or relatives is part of life.
Talk about it early.
6. What is your attitude toward spending and saving?
One person may be a natural saver while the other enjoys spending.
Understanding these differences before marriage can prevent many unnecessary conflicts later.
7. What happens when one person earns significantly more?
Income differences can affect expectations, responsibilities and decision-making.
Talk about them before they become a source of resentment.
The goal isn’t to know every financial detail before getting married.
The goal is to make sure you can have honest conversations about money without fear, secrecy or shame.
Because financial compatibility isn’t about earning the same amount.
It’s about being able to build and make financial decisions together.
God, it might just be today 😔
Fredrick Adelaja, final year Industrial and Production Engineering at the University of Ibadan
First class GPA across every level, currently on a 3.88/4.00 CGPA
#HappyIndependenceNigeria
My bi-annual First Class Giving is open to “66 Recipients”.
If you are a Nigerian university student in 2nd, 3rd, final year or graduated in 2026, sitting on a first-class GPA, this is for you. Excellence should not be invisible.
How to enter:
1. Comment a screenshot of your current GPA / statement of result
2. Hide your phone number, address and account details
3. We will validate your student ID in the DMs before any support goes out
Supporting excellence. Not noise. Do not DM me!
Happy Independence. Nigeria Forward 🇳🇬 💚
God, it might just be today 😔
Fredrick Adelaja, final year Industrial and Production Engineering at the University of Ibadan
First class GPA across every level, currently on a 3.88/4.00 CGPA
#HappyIndependenceNigeria