Olaniyi ♤

smart contracts developer ♤ building on @CyfrinUpdraft ♤ money conversations @themoneytalkng ♤ stream of consciousness ♡

[Olaniyi ♤ @Olaniyi_dev]

Class is in session.

A wise man once told me the best way to learn is by doing.

My github is looking very good these days. 🤍

[Olaniyi ♤ @Olaniyi_dev]

Here's everything I've implemented so far to make the decentralized stablecoin project I'm building with Foundry production-ready 🧵

[The Money Talk @themoneytalkng]

Treasury Bills have a perception problem. Most people assume they are for someone else.

The name does not help.

It sounds institutional. It sounds like something discussed in boardrooms between people who already have more money than they need.

And so the average salary... ☟

[Olaniyi ♤ @Olaniyi_dev]

@web3bloc_ @voicehavefun Wild times 😂

[Olaniyi ♤ @Olaniyi_dev]

The Money Talk 📍

[The Money Talk @themoneytalkng]

The interest rate on your savings account is not the only number that matters. The exchange rate is the other one.

In 2023, the naira lost over 40 percent of its value following the removal of the fuel subsidy. That loss did not announce itself on the day your salary landed. ▼

[The Money Talk @themoneytalkng]

The interest rate on your savings account is not the only number that matters. The exchange rate is the other one.

In 2023, the naira lost over 40 percent of its value following the removal of the fuel subsidy. That loss did not announce itself on the day your salary landed. ▼

[Paulmoses @web3bloc_]

If you were to relive one airdrop moment, which would it be?

Sponsored by @voicehavefun

[Olaniyi ♤ @Olaniyi_dev]

The ₦12,000 vs ₦44,000 comparison is in the book because it was the number that stopped me.

Same money. Same discipline. Same decision to leave it alone.

The only variable is the container. And most people, through no fault of their own, are using the wrong one because...

[The Money Talk @themoneytalkng]

Most people are saving. They are just saving in the wrong place.

The money is moving. The discipline is there. The habit exists. But the container it is sitting in is quietly working against everything the habit is trying to build. ▼

[Olaniyi ♤ @Olaniyi_dev]

...up to reward it.

The investment ladder in the book maps exactly which platform to use at which savings stage, and why.

It is not about chasing the highest number. It is about making sure the work you are already doing is actually building something.

https://t.co/99wT11GTu5

[Olaniyi ♤ @Olaniyi_dev]

The ₦12,000 vs ₦44,000 comparison is in the book because it was the number that stopped me.

Same money. Same discipline. Same decision to leave it alone.

The only variable is the container. And most people, through no fault of their own, are using the wrong one because...

[The Money Talk @themoneytalkng]

Most people are saving. They are just saving in the wrong place.

The money is moving. The discipline is there. The habit exists. But the container it is sitting in is quietly working against everything the habit is trying to build. ▼

[Olaniyi ♤ @Olaniyi_dev]

...nobody told them there was a better option sitting one app download away.

That is the pattern the book keeps coming back to. The problem is rarely the behaviour. It is the information gap underneath the behaviour.

You are doing the right thing in a system that is not set...

[Olaniyi ♤ @Olaniyi_dev]

@baseddbroo @adamilenich Filling the wl right now 🥂

[Olaniyi ♤ @Olaniyi_dev]

The emergency buffer chapter in the book exists because of this exact reality.

Most savings frameworks are written for people optimising. Choosing between index funds and real estate. Deciding how aggressively to invest.

That is not the first problem for someone earning...

[The Money Talk @themoneytalkng]

Saving on a tight salary does not feel urgent until the month that it does.

And by then, it is too late to start.

This is the part most savings conversations skip. They frame saving as a wealth-building activity. Something you do to grow.

Something for people who already... ▼

[Llona @Boyllona_]

I GIVE YOU MY SECOND ALBUM- On The Road.

We were ‘Homeless’ together 2years ago, and now we are ‘On The Road’ side by side like we have always been.
These are the stories, the emotions that i felt On The Road.

[Olaniyi ♤ @Olaniyi_dev]

Most people reading this do not have it yet. The system is built to get you there.

https://t.co/99wT11GTu5

[Olaniyi ♤ @Olaniyi_dev]

The emergency buffer chapter in the book exists because of this exact reality.

Most savings frameworks are written for people optimising. Choosing between index funds and real estate. Deciding how aggressively to invest.

That is not the first problem for someone earning...

[The Money Talk @themoneytalkng]

Saving on a tight salary does not feel urgent until the month that it does.

And by then, it is too late to start.

This is the part most savings conversations skip. They frame saving as a wealth-building activity. Something you do to grow.

Something for people who already... ▼

[Olaniyi ♤ @Olaniyi_dev]

...bad month arrives, it is a bad month and not a financial reset.

The target I give in the book is ₦50,000 to ₦100,000 sitting completely separate, completely untouched, reserved for genuine emergencies only.

[Olaniyi ♤ @Olaniyi_dev]

Bulk buying was one of the first things that clicked for me when I started actually tracking where the money went.

The idea isn't new. Everyone knows bulk is cheaper.

It clicked for me because for the first time the upfront amount was planned for. It was already sitting in...