Olaniyi ♤ @Olaniyi_dev
smart contracts developer ♤ building on @CyfrinUpdraft ♤ money conversations @themoneytalkng ♤ stream of consciousness ♡ github.com/NicolasTfile Lagos, Nigeria Joined December 2023-
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The first few months of a savings system feel like nothing is happening. That feeling is the most dangerous point in the entire process. Month one. You move ₦30,000 on payday. The account shows ₦30,000. The lifestyle has not changed visibly. Nothing feels different. ▼
This was the single biggest shift for me personally. Savings moved on payday, before anything else had a chance to claim it. The month still worked, but it just worked on what was left, which turns out to be enough because I knew what my north star was.
Savings that move last never happen. This is not a theory. It is a pattern playing out in accounts across Lagos every single month. The intention is real. The plan, loosely held, is to put something aside once everything else has been handled. Rent is sorted. Food is covered...
Savings that move last never happen. This is not a theory. It is a pattern playing out in accounts across Lagos every single month. The intention is real. The plan, loosely held, is to put something aside once everything else has been handled. Rent is sorted. Food is covered...
After months of hard work across 4 countries, my latest documentary 'What Happened On October 29' is now playing on @YouTube: youtu.be/hGI5O56yuxo?si…
Today, we celebrate the magic behind the scenes. Happy Birthday to her, the talent that makes us unforgettable. Thank you for all you do for Chainverse @De_Tech_Nurse 🥰👏🙏
The 18th arrives the same way every month. The panic is familiar. The confusion is familiar. The question of where it all went is familiar. And then the salary comes again, and the cycle starts over. Most people experience this and conclude something is wrong with them. That...
1% a day sounds like nothing until you annualise it and see 365%. Most people never run that calculation because the apps are not built to help you run it. The Money Talk 📍
The number the app shows you is not the number the loan actually costs. Digital lending apps have become a normal part of financial life for many Nigerians. They are fast, accessible, and available at moments when traditional borrowing is not an option. ▼
The number the app shows you is not the number the loan actually costs. Digital lending apps have become a normal part of financial life for many Nigerians. They are fast, accessible, and available at moments when traditional borrowing is not an option. ▼
Generosity isn't the problem. The absence of a structure around it is The Obligations bucket exists for exactly this. A ceiling you set calmly, before the requests arrive When it's gone, it's gone. That's not coldness. That's a system protecting your ability to keep showing up
Lending money feels like the right thing to do. That feeling is not always wrong. But it is not always the full picture either. In Nigeria, the pressure to help when someone you know is struggling is not imagined or exaggerated. It is cultural, relational, and in many cases..▼
Lending money feels like the right thing to do. That feeling is not always wrong. But it is not always the full picture either. In Nigeria, the pressure to help when someone you know is struggling is not imagined or exaggerated. It is cultural, relational, and in many cases..▼
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... ☟
The Money Talk 📍
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 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. ▼
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