Money Thoughts

We share novel insights & perspectives on money, personal finance, entrepreneurship

[Olúwatósìn Olaseinde @tosinolaseinde]

Do you know that you can access 25% of your Retirement Savings Account balance for equity/mortgage purposes?

[RecruitmentPQ @RecruitmentPq]

A coordinator resigned after four years. Standard notice, standard exit. HR asked for a handover document, expecting the usual two pages.

Forty pages arrived.

The manager was almost offended. Your role isn't that complicated, he said. Why forty pages.

The coordinator answered evenly. The role in my offer letter is four pages. The other thirty-six are everything that attached itself over four years and never got a title or a raise.

He walked the manager through it. Vendor management, inherited from a colleague who left and was never replaced. The monthly board reporting, inherited from an analyst, same story. The audit reconciliation that only he knew how to run. The client escalation line that rang his personal phone.

Three people's jobs, he said. On one salary. I never complained because I liked the work. But you asked me to document it, so I documented all of it.

The manager read the forty pages that weekend. On Monday he went to finance with a request to hire two people, not one, and to reprice the role.

It was too late for the coordinator. But he left something more useful than a grudge. He left a mirror.

The lesson the company learned the expensive way: work that nobody counts gets priced at zero, until the person carrying it walks out and the true invoice arrives.

[Sola Adesakin @SolaAdesakin]

You can't cut your way into some levels of wealth. Frugality helps you manage money; not multiply it. Frugality is a wealth habit, not a wealth strategy. Build skills, increase your earning capacity, invest consistently. Wealth grows by multiplication, not just subtraction.

[Olúwatósìn Olaseinde @tosinolaseinde]

My name is Oluwatosin Olaseinde, in 2023 I applied for over 100 opportunities and we only got 6 of them. This totaled grant of $125,000 and multiple fellowships.

From an arithmetic perspective, only 5% of the things we shot at came back to us. This is your sign to not give up. Keep applying, keep showing up, and keep pushing forward until you hit your goals.

It’s a numbers game.

[Robert Greene @RobertGreene]

The world is ruled by necessity: People change their behavior only if they have to. They will feel urgency only if their lives depend on it.

[Mr. Czar @Mrczar_]

To make money -

You have to sell something. Period

If you don’t have the capital to start a business -

Find someone who has a product

Find someone who needs it.

Take the product and sell it to the person that needs it.

Then Take a cut of the profit. This is what Jumia does, they don’t own most of the products on their websites - yet make hundreds of millions monthly.

You can do this too for anything.

Houses

Bags

Online courses

…if you are ready to do this, I will give you 1.8 million naira worth of goods to start with. See my pinned tweet.

[Scribbler @Defi_Scribbler]

approach 100 girls, you’ll find a girlfriend

test 100 products, you’ll get rich off one

post 100 tweets, you’ll get a banger

life is a number game, take more shots

[Steve · Millionaire Habits @SteveOnSpeed]

Your success in life is directly commensurate with the level of discomfort you are willing to accept. 

Success favors the strong. 

[Leo Grundström @grundstromleo]

if you're starting a faceless AI channel and want to avoid getting demonetized

here's what you need to know about youtube's new system:

youtube now uses Google Gemini to scan every video you post

it's an AI that can understand images, analyze content, and detect low-effort spam

and here's what gets flagged:

static visuals (showing the same images for minutes at a time with no visual engagement)

basically if it looks like you're just milking the platform with zero effort, you're in the risk zone

instead...

use AI for scripts, voiceovers, and visuals but make sure your visuals change regularly

create a branded feel for your channel (consistent style, thumbnails, theme)

provide actual value and don't just read a script over boring static images

youtube doesn't really care if you use AI

they care if you're creating slop or actual content that keeps people watching

[Muthukrishnan Dhandapani @dmuthuk]

Upgrade your lifestyle based on your wealth and not income. Income, once converted into wealth, is capable of sustaining your lifestyle. A lifestyle based on income will last only as long as income lasts.

[Stijn Noorman @stijnnoorman]

To make money, create value.

To create value, solve problems.

To solve problems, build skills.

[Àgbà John Doe @jon_d_doe]

I think this is what young people should plan towards before they're 40.

Keep building on financial your investments to a point where the monthly yield can be able to cater to your needs.

Then decide what to do with your time, without fear of losing your job.

End.

[Olúwatósìn Olaseinde @tosinolaseinde]

If more people take low hanging fruits and then build on it over time, they would have a much better outcome. But everyone wants moonshot outcome so they end up doing nothing. You can apply this to every area of your life.

[Toby @TomolaGroup]

Every Nigerian needs 3 streams of income

1. The 9-5 – to cover bills
2. The Side Gig – to grow savings
3. The Investment – to build financial freedom

The formula is simple: cover today, save for tomorrow, and secure your future.

[Feji Iyeke YMG @iyekefejiymg]

Monthly income: N500,000
Monthly expenses: N300,000
Left over: N200,000

Investor Mindset:
"How can I invest the N200,000?"

Consumer Mindset:
"What can I buy with N400,000?"

2 different mindsets but only one creates wealth.

[Money Thoughts @thinkmonie]

@AdeyemiRop73183 @Praiseakinlami I am assuming he divided the yearly rent value by 12 to get the monthly

[Money Thoughts @thinkmonie]

Before money, there's trade by barter.

The exchange of value were done directly without a medium like money (yam for orange etc) Money was invented to cover the inefficiencies in barter.

To make money, you still need to bring your "yam" & find who to exchange with for money

[Money Thoughts @thinkmonie]

@olubkem @docneto Hi @olubkem your analysis is inaccurate. Not to justify looting of course, but to bring it to your attention. It's actually 6.95 years

[Mr. Czar @Mrczar_]

Obscurity is more dangerous than poverty.
You can’t be broke and hidden.
You must be visible. Loud. Intentional.
Because the juiciest deals don’t go to the smartest; they go to the most seen.

[Codie Sanchez @Codie_Sanchez]

Hard work is propaganda.

Alone it will never make you rich. If it did, we’d have millionaires in every factory and construction site.

Success in the age of AI isn’t about working more hours—it’s about leverage. Jeff Bezos made $1.7 million in 13 minutes in 2023. That’s over $23,000 per minute. By the time most people finish brushing their teeth, he’s already out-earned their entire shift.

The game isn’t about inputs, it's about outputs. It's about sprinting the right direction (vector) at the right speed (magnitude) as Brett Adcock says.

Pareto's Principle (80/20 rule) is broken. With AI and automation, it’s 99/1. The right decision at the right time will always outperform effort alone.

I wish it didn't mean you could NOT work hard. You will have to work harder than you think, for longer than you think to find the RIGHT work. But hard work itself is increasingly far from enough.

If you had one truth it's that you have to obsess on WHAT you are working on and only after HOW hard you are working on it.