Dear you, between the ages of 21 and 29.
1. Open a mutual fund investment account.
2. Start making a monthly deposit of anywhere between 30,000 and 200,000 naira. Whatever you can afford consistently. In 10 to 15 years, you will be a multimillionaire.
3. Invest in books. Buy financial and investment books and actually read them. I recommend:
- The Automatic Millionaire by David Bach
- I Will Teach You to Be Rich by Ramit Sethi
- The Little Book of Common Sense Investing by John C. Bogle
- The Richest Man in Babylon by George S. Clason
- Rich Dad Poor Dad by Robert Kiyosaki
- The Total Money Makeover by Dave Ramsey
- The Millionaire Next Door by Thomas J. Stanley
- Your Money or Your Life by Vicki Robin
- Atomic Habits by James Clear
- Die With Zero by Bill Perkins
4. Exercise daily. Avoid sitting in one position for too long. Even if you work as a receptionist, stand up and stretch every 2 hours. Your health is your first investment.
5. One woman is enough for you. Avoid chasing multiple women. Womanizing is not a flex. It is a financial and emotional drain that will set you back years.
6. Take out at least 30% of your income every single month and put it to work. Invest in stocks. Invest in mutual funds. Invest in a business. Just invest.
7. Learn Cybersecurity. It is one of the highest paying and most in demand skills in the world right now.
8. Drink two glasses of warm water every morning before breakfast.
9. Wake up by 6am daily and try to be in bed by 10pm. Discipline in your sleep is discipline in your life.
10. This is the best time to start your investment journey. As you grow older, responsibilities will pile up and it becomes harder to set money aside. But if you build the discipline now, in 5 to 10 years you will already be addicted to investing and you will be glad you started when you did.
Your future self is watching every decision you make today. Make them count.
Above all, love God.
having a good day as an adult is literally:
1. getting paid.
2. eating something good.
3. being at home all day.
4. reading a good book.
5. sleeping.