Tolu

Real talk on money, life & rebuilding
Building trust in giving.
Founder @ChainFundIt | Building in public

[Tolu @tee_olu]

Crowdfunding in Nigeria is powerful.

But without structure, it struggles to scale.

Here’s why Nigeria needs structured crowdfunding — and what that really means. 🇳🇬

[Tolu @tee_olu]

It’s interesting how many answers come back to the same thing:

Food. Poverty. Jobs. Security. Electricity.

Different symptoms, but all connected to improving quality of life for ordinary people.

[ChainFundIt @ChainFundIt]

If you could solve one problem affecting ordinary Nigerians today, what would it be?

Good morning

[Tolu @tee_olu]

Good morning.
As you step into today, what is the one thing you're trusting God for this month?
Mine is clarity.
🙏

[ChainFundIt @ChainFundIt]

A woman once donated just ₦500 to a campaign.

She apologised for not being able to do more.

The campaign owner replied:

"Your donation wasn't the biggest.

But it was the first.

And it reminded me that I wasn't alone."

Never underestimate what your support means to someone having a difficult day.

Good morning

[Tolu @tee_olu]

A few years ago, I left behind everything familiar and moved to the UK in my 40s.

New country.
New systems.
New career challenges.
What people don't tell you is that starting over isn't exciting every day.
Sometimes it's lonely.
Sometimes it's humbling.

But I've learned that you're never too old to build a new chapter.

I'm still writing mine.

[Tolu @tee_olu]

@iamnasboi This is exactly the kind of kindness that changes lives. 💚

If you’d like help finding verified patients or ensuring support reaches those most in need, we’d be honoured to help.

Wishing you success with this initiative. 🙏

[NASIRU @iamnasboi]

@fid37is You can help with a suggestion. But my plan
is to visit a hospital, help pay the medical bills of patients in need.

[ChainFundIt @ChainFundIt]

A few years ago, a man walked into a hospital carrying his sick child.

He didn't need millions.

He just needed enough to start treatment.

By the end of the week, complete strangers had contributed what the family couldn't raise alone.

The child recovered.

Most people will never meet the people they help.

But their kindness lives on in ways they'll never fully see.

[Tolu @tee_olu]

There comes a point in motherhood where your children need you less physically but more emotionally.

At the same time, your own dreams are still calling.

Balancing ambition and motherhood isn't choosing one over the other.

It's carrying both.

Some days gracefully.

Some days barely.

[Tolu @tee_olu]

Good morning.
I pray that today brings good news to someone who has been carrying a heavy burden for far too long.
May doors open.
May help come.
May peace find you.
Amen.

[Tolu @tee_olu]

@Madridghost1 My brother…

[Tolu @tee_olu]

@Dr_Pharouk This Farouk guy is quite annoying. Someone will see his tweet and think he has the job to offer people or at least something useful like guidance! But no, just to be asking questions to farm engagement and wasting peoples time.

[Tolu @tee_olu]

Last year, Latifat completed her NYSC and was looking forward to the next chapter of her life.

Today, she cannot stand or walk without help.

At an age when she should be applying for jobs, building a career and chasing her dreams, she spends her days battling constant pain.

Doctors say a second hip replacement surgery could help her walk again.

The first surgery gave her hope.

This second one could give her back her future.

No young woman should have to watch her life stand still because she cannot afford treatment.

If you've ever prayed for a second chance, please help us give one to Latifat.

❤️ Donate
🔁 Repost
🙏 Help her walk again

[ChainFundIt @ChainFundIt]

Latifat is a strong young Nigerian woman who just completed her NYSC.

Now she battles avascular necrosis in both hips, a painful condition that has left her unable to stand or walk without help. After one successful surgery, she urgently needs the second hip replacement to finally walk again, work, and reclaim her future.

Your donation can ease her pain and restore her independence. Nigerian hearts, let’s help Latifat stand tall once more. #HelpLatifat #NigeriaGives

[ChainFundIt @ChainFundIt]

There are moments to offer prayers, and there are moments to offer financial support. Both matter deeply, especially in difficult seasons.

[Tolu @tee_olu]

The older I get, the more I realise that good intentions are not a substitute for accountability.

Before you donate, ask questions.

[ChainFundIt @ChainFundIt]

Unfortunately, hope is not accountability!

A guy on X was raising money for his younger brother’s cancer treatment. The story touched people badly. Within two days, donations were flying in from everywhere.

People kept reposting the account number with: “Even ₦1k can help 🙏🏽” The problem was… nobody could tell what was happening anymore.

There was no public goal tracker.
No transparency.
No updates.
No structure.
Just screenshots of alerts and emotional tweets.

Then one evening, somebody noticed something strange. The account balance screenshots didn’t add up anymore. A few withdrawals had been made in between donations. Someone asked questions and the replies immediately became defensive.

That’s when it hit me: the internet has normalized sending money into random personal accounts and simply hoping for the best. And unfortunately, hope is not accountability.

[Tolu @tee_olu]

One of the biggest surprises about moving to the UK?

You can earn what sounds like a good salary and still feel like you're constantly doing maths.

Mortgage.
Council tax.
Energy.
Food.
Kids.
The higher your responsibilities, the less impressive the salary number looks.
Nobody really prepares you for that.

[Tolu @tee_olu]

A few years ago, I left behind everything familiar and moved to the UK in my 40s.

New country.
New systems.
New career challenges.
What people don't tell you is that starting over isn't exciting every day.
Sometimes it's lonely.
Sometimes it's humbling.

But I've learned that you're never too old to build a new chapter.

I'm still writing mine.

[Tolu @tee_olu]

@ronkelawal I think it's possible to believe two things at once:

Stephen Lawrence's case was a defining moment in British history.

And Henry Nowak's family also deserve answers and justice.

Acknowledging one shouldn't diminish the other.

[Tolu @tee_olu]

@KEdge23 Genuine question:

If we don't believe in one law and one standard for everyone, what exactly is the alternative?

[Tolu @tee_olu]

The question shouldn’t be “Can I opt out?”

The question should be “Why would I turn down employer contributions and tax relief?”

It’s one of the few places where free money actually exists.

[Ghost 👨🏽‍💻🇨🇦 @Madridghost1]

Why are we paying pensions in the UK? As a Nigerian, is it even worth it?

Man asked 👇🇬🇧

[Tolu @tee_olu]

As a Nigerian in the UK, paying into my pension has turned out to be one of the best financial decisions I've made.

Where else do you get:
• Tax relief
• Employer contributions
• Compound growth

It's one of the few times in life where saying "no" to free money doesn't make much sense.

The real question isn't whether it's worth it.

It's whether you're contributing enough.