I fell in love with this quote:
"No matter your age, you'll always wish you started younger, but today is the youngest you'll ever be. So start today."
Financial freedom demands sacrifice. It could be frustrating sometimes
But wait, if it were easy, everyone would be financially free
So, endure the pain today and enjoy the pleasure tomorrow
list of Ghanaian corruption cases with clear evidence but still stalled or unresolved:
1.National Service Scheme “ghost names” payroll fraud
•Amount: GH¢653 million
•Evidence: Payroll records, ghost employee lists, and bank transfers clearly documented.
•Status: Minimal prosecutions; most responsible individuals remain untouched.
2.NAFCO (National Food and Buffer Stock Company) scandal
•Amount: ~GH¢78 million
•Evidence: Procurement contracts, payment receipts, and supplier records.
•Status: Largely unresolved; no major convictions.
3.Ghana Health Service PPE procurement fraud (COVID-19)
•Amount: Estimated tens of millions in GH¢
•Evidence: Invoices, supplier contracts, and delivery records show overpricing and diversion.
•Status: Investigations delayed; few accountability measures.
4.Ghana Cocoa Board (COCOBOD) procurement/mismanagement
•Amount: Undisclosed but significant losses (~hundreds of millions over time)
•Evidence: Procurement documents, export and debt records.
•Status: Slow investigations; responsible parties not prosecuted.
5.VRA (Volta River Authority) overpricing and contract mismanagement
•Evidence: Energy contracts, invoices, and audits show overpayment and misallocation.
•Status: Case lingers without convictions.
6.Ghana Water Company Limited (GWCL) fraudulent contracts
•Evidence: Procurement and payment records for infrastructure projects.
•Status: Little follow-up; no major prosecutions.
One thing I learned from one of the richest people I know is “delayed gratification.”
Here’s how it works:
When you start making money, resist the urge to immediately buy the things you’ve always wanted. First, make sure the income is sustainable and can repeat itself.
If that income shows up consistently for at least three months in a row, then you can start rewarding yourself with small upgrades, not big ones. Start with the little things. Avoid locking yourself into large expenses too quickly.
Stability first. Comfort later.
This sounds good but don't make the same mistake I did. Thankfully, people on here corrected me and I'm here to do same.
That
"- 91-day T-bills: ~9.9–10%" doesn't mean that you will get this percent as interest at the end of the 91 days. No.
It's the annual interest rate. It increases a bit the longer the investment term. You only get a 1/4 of it.
Let say you buy GHS1000 TB-11-May-26 today at 10%, at maturity, you will only get a total of GHS1025 which is some 2.5% interest.
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