Dani_millzz

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[Dani_millzz @Danimillzz]

This is an old video, you just want to drag the man in the corn selling conversation.

[Dani_millzz @Danimillzz]

There is a whole conversation on tiktok about fake churches around campus most especially Uniben

The part of the whole thing I heard which I don't want to believe is "University Students are being asked to contribute money to change their pastor's car"

[Dani_millzz @Danimillzz]

😢

[Instablog9ja @instablog9ja]

“Buhari’s greatest legacy is investment in education” — Former First Lady Aisha Buhari

[Dani_millzz @Danimillzz]

This is an old video, you just want to drag the man in the corn selling conversation.

[Ayekooto @DeeOneAyekooto]

Tony Elumelu stops by to get some roasted corns

[Dani_millzz @Danimillzz]

There is a whole conversation on tiktok about fake churches around campus most especially Uniben

The part of the whole thing I heard which I don't want to believe is "University Students are being asked to contribute money to change their pastor's car"

[Onyeka Nwelue @onyekanwelue]

Do you see why you people should stop putting dangerous ideas into Alex Onyia’s head to ‘be Minister of Education.”

He must operate independently and have the personal willpower to accomplish things.

[Alex Onyia @winexviv]

Egejurum Munachimso is ready for tomorrow’s Math competition at the International STEM Olympiad Grand Finale, Rome.

He will be representing us in the Primary category.

He is very confident that he might get a perfect score.

[Alex Onyia @winexviv]

The competition is tomorrow, and the boys are ready.

[Michael Taiwo @AskMichaelTaiwo]

I interviewed people at Shell for years, and here is the quiet thing almost no one tells you.

You are not rated on results alone. You are rated on the how, not just the what.

Two engineers run two projects. Both fail to hit target. One gets sidelined. The other gets promoted. Same outcome, different fate.

The difference was never the result. It was behaviour. The one who won gave daily updates, pulled his bosses into the problem early, and ran a lessons-learned session when it was over.

He turned a failed project into proof that he was safe to bet on.

Deliver, yes. But learn to be seen delivering. In most rooms, that is the actual skill.

[Lasisielenu @lasisielenu]

🤦🏽‍♂️🤦🏽‍♂️😡

[Dani_millzz @Danimillzz]

2019 joke and advice from @lasisielenu is still very valid.

[Dani_millzz @Danimillzz]

Serving youth corpers should come and say their mind so that the government will deny them clearance and certificate ?

Success to them but I know they are only coming to the studio to say what they were told by their LGI and state coordinator.

[Dr Joe Abah, OON @DrJoeAbah]

I’ll shortly be joining my sister @MaupeO of @channelstv for a chat on NYSC. I will expect to be joined by some serving Youth Workers, so it should be quite interesting.

[Cynthia Ozumba @CynthiaOzumba]

The safest career move is not even staying in one company forever. It's staying employable forever.

[Sir J (J9) @SirJarus]

Short answer

For those I have observed and seen, they work more on their earning power. Their earning increases progressively. And they deploy their income wisely.

Long answer

If we define rich by asset of over N750m naira, here are some tips from those that I see get to that level from 9-5:

1. Type of jobs

The jobs they get are top jobs (top oil companies, top departments in top banks or some specialized subsidiaries, tech, international organizations etc) with good salaries, bonuses and other perks.

It may be tough to move beyond middle class in regular 9-5. You mentioned “rich”, so the type of job has to be the one at the top of chart

2. Personal development

They invest in themselves - write professional exams required by their profession, masters, become very good at their job/profession. They can easily move to better companies.

3. Career progress

Very good in their work, get regular promotion (= regular payrise), become important to their company.

Someone earning N2m today won’t continue to earn N2m forever. As they grow in career, their earning increases significantly

4. Expenses

They are very deliberate in planning their expenses. Some plan their foreign holidays to a time their company wants to send them abroad for official work. For example, the company wants to send them to the UK for a 5 day training. They plan their vacation in the UK to start immediately after the end of the 5th day. That means the return flight cost and hotel costs for 5 of the 12 days they spend in the UK are covered by their company

Company policies like health insurance (HMO) also save them a lot of expenses. Imagine all their childbirths, family hospital bills on their employer.

Many maintain small families too.

4. Loans

They explore personal loan opportunities available to their type of job. In some jobs, banks chase you with loans. They pay back over 4-5 years from their salaries. As one finishes, they move to another.

They explore cooperative societies and other group financing opportunities.

5. Investment

Many invest in properties (lands, houses) using these bank and cooperative finances. Some lands bought for N20m in 2015 are now worth N200m. I know someone that worked in one of these companies that finished a house worth N60m in 2015. That house is worth minimum of N350m today.

Some invest in other things. I know some that opened supermarkets as side hustle.

Group finance leveraging their company’s cooperative also helps. Cooperative negotiates and buys land in bulk and resell to members, while they pay over time.

By their 15th year of working, some can boast of net assets worth at least N750 million

- 2 plots of lands bought at N20m each in 2015 are worth N150m each by 2025 = N300m

- 2 houses (N40m) financed through cooperative, bank loans, savings etc are now worth N200m = N400m

- a supermarket started with N30m now worth N150m

- cash in balance of about N50m

The above totals N900m million.

- if they still have a loan balance of N100m with cooperatives and banks, that’s N800m net assets.

If you then ask, but I said 9-5, why all of these?

1. 9-5 is still the seed of all of these
2. 9-5 does not mean you should not invest
3. Banks give them loan because of the security of their 9-5 job
4. They have access to group financing because of 9-5
5. 9-5 does not mean you should keep money lying idle in bank and not use it to multiply (people make this mistake when talking down 9-5)
6. You are exposed to these opportunities because of a good 9-5 job

What they use their salaries for
- save a part with bank, cooperative etc
- use a part to pay back loans
- use a part to cover personal expenses

Other sources of income that augment their salaries
- rental income from a house built or bought with 9-5 pay
- dividends (cooperative, some invest in shares)
- side hustle income (supermarket in this case).

And this is a conservative estimate still. Some top guys are legit naira billionaires from these things

[A D É K Ú N L É 🩵 @kunle_pata]

I’ve lost count of how many people have posted this video this morning... you’d think it’s the most intelligent thing on the internet today.

[Dani_millzz @Danimillzz]

2019 joke and advice from @lasisielenu is still very valid.

[Ocho @magic3hundred]

There’s nothing the govt uses to trick poor people more than skill acquisition after university

[Dani_millzz @Danimillzz]

@Rxbremen So how does the reform change this??

[Michael Taiwo @AskMichaelTaiwo]

The real test isn't whether your idea is good. It's whether you can handle being the only person who believes in it for longer than you thought possible. While everyone else moves on to the next shiny thing, you're still here. Still building. Still believing. That loyalty to your vision? That's what separates the dreamers from builders.

[Dani_millzz @Danimillzz]

@HabuSadeik Increasing Salary won't change anything, corruption is now a way of life for some people.